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Unum Group is an insurance—life business based in the US. Unum Group shares (UNM) are listed on the NYSE and all prices are listed in US Dollars. Unum Group employs 10,300 staff and has a trailing 12-month revenue of around USD$11.9 billion.
|Latest market close||USD$18.65|
|52-week range||USD$9.58 - USD$31.315|
|50-day moving average||USD$18.1249|
|200-day moving average||USD$17.0023|
|Wall St. target price||USD$20.7|
|Dividend yield||USD$1.14 (6.18%)|
|Earnings per share (TTM)||USD$4.703|
The value of any investment can go up or down depending on news, trends and market conditions. We are not investment advisers, so do your own due diligence to understand the risks before you invest.
The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.
This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.
|1 week (2020-11-25)||-19.54%|
|1 month (2020-11-06)||2.87%|
|3 months (2020-09-04)||-6.28%|
|6 months (2020-06-05)||0.43%|
|1 year (2019-12-05)||-35.42%|
|2 years (2018-12-04)||-44.51%|
|3 years (2017-12-05)||-67.00%|
|5 years (2015-12-04)||-49.33%|
Valuing Unum Group stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Unum Group's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.
Unum Group's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 4x. In other words, Unum Group shares trade at around 4x recent earnings.
That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.
Unum Group's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 2.5. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.
The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Unum Group's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.
Unum Group's EBITDA (earnings before interest, taxes, depreciation and amortisation) is USD$1.5 billion.
The EBITDA is a measure of a Unum Group's overall financial performance and is widely used to measure a its profitability.
|Revenue TTM||USD$11.9 billion|
|Operating margin TTM||12.03%|
|Gross profit TTM||USD$3.4 billion|
|Return on assets TTM||1.32%|
|Return on equity TTM||9.64%|
|Market capitalisation||USD$3.8 billion|
TTM: trailing 12 months
There are currently 7.5 million Unum Group shares held short by investors – that's known as Unum Group's "short interest". This figure is 10.3% up from 6.8 million last month.
There are a few different ways that this level of interest in shorting Unum Group shares can be evaluated.
Unum Group's "short interest ratio" (SIR) is the quantity of Unum Group shares currently shorted divided by the average quantity of Unum Group shares traded daily (recently around 2.5 million). Unum Group's SIR currently stands at 3.05. In other words for every 100,000 Unum Group shares traded daily on the market, roughly 3050 shares are currently held short.
However Unum Group's short interest can also be evaluated against the total number of Unum Group shares, or, against the total number of tradable Unum Group shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Unum Group's short interest could be expressed as 0.04% of the outstanding shares (for every 100,000 Unum Group shares in existence, roughly 40 shares are currently held short) or 0.0426% of the tradable shares (for every 100,000 tradable Unum Group shares, roughly 43 shares are currently held short).
Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against Unum Group.
Find out more about how you can short Unum Group stock.
Environmental, social and governance (known as ESG) criteria are a set of three factors used to measure the sustainability and social impact of companies like Unum Group.
When it comes to ESG scores, lower is better, and lower scores are generally associated with lower risk for would-be investors.
Total ESG risk: 30.31
Socially conscious investors use ESG scores to screen how an investment aligns with their worldview, and Unum Group's overall score of 30.31 (as at 10/01/2020) is nothing to write home about – landing it in it in the 42nd percentile of companies rated in the same sector.
ESG scores are increasingly used to estimate the level of risk a company like Unum Group is exposed to within the areas of "environmental" (carbon footprint, resource use etc.), "social" (health and safety, human rights etc.), and "governance" (anti-corruption, tax transparency etc.).
Environmental score: 5.85/100
Unum Group's environmental score of 5.85 puts it squarely in the 6th percentile of companies rated in the same sector. This could suggest that Unum Group is a leader in its sector terms of its environmental impact, and exposed to a lower level of risk.
Social score: 13.83/100
Unum Group's social score of 13.83 puts it squarely in the 6th percentile of companies rated in the same sector. This could suggest that Unum Group is a leader in its sector when it comes to taking good care of its workforce and the communities it impacts.
Governance score: 17.63/100
Unum Group's governance score puts it squarely in the 6th percentile of companies rated in the same sector. That could suggest that Unum Group is a leader in its sector when it comes to responsible management and strategy, and exposed to a lower level of risk.
Controversy score: 1/5
ESG scores also evaluate any incidences of controversy that a company has been involved in. Unum Group scored a 1 out of 5 for controversy – the highest score possible, reflecting that Unum Group has managed to keep its nose clean.
|Total ESG score||30.31|
|Total ESG percentile||41.66|
|Environmental score percentile||6|
|Social score percentile||6|
|Governance score percentile||6|
|Level of controversy||1|
Dividend payout ratio: 21.31% of net profits
Recently Unum Group has paid out, on average, around 21.31% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 6.18% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Unum Group shareholders could enjoy a 6.18% return on their shares, in the form of dividend payments. In Unum Group's case, that would currently equate to about $1.14 per share.
While Unum Group's payout ratio might seem low, this can signify that Unum Group is investing more in its future growth.
Unum Group's most recent dividend payout was on 21 August 2020. The latest dividend was paid out to all shareholders who bought their shares by 30 July 2020 (the "ex-dividend date").
Unum Group's shares were split on a 2:1 basis on 3 June 1997. So if you had owned 1 share the day before before the split, the next day you'd have owned 2 shares. This wouldn't directly have changed the overall worth of your Unum Group shares – just the quantity. However, indirectly, the new 50% lower share price could have impacted the market appetite for Unum Group shares which in turn could have impacted Unum Group's share price.
Over the last 12 months, Unum Group's shares have ranged in value from as little as $9.58 up to $31.315. A popular way to gauge a stock's volatility is its "beta".
Beta is a measure of a share's volatility in relation to the market. The market (NYSE average) beta is 1, while Unum Group's is 1.6939. This would suggest that Unum Group's shares are more volatile than the average for this exchange and represent, relatively-speaking, a higher risk (but potentially also market-beating returns).
Unum Group, together with its subsidiaries, provides financial protection benefit solutions in the United States, the United Kingdom, Poland, and internationally. It operates through Unum US, Unum International, Colonial Life, and Closed Block segments. The company offers group long-term and short-term disability, group life, and accidental death and dismemberment products; supplemental and voluntary products, such as individual disability, voluntary benefits, and dental and vision products; and accident, sickness, disability, life, and cancer and critical illness products. It also provides group pension, individual life and corporate-owned life insurance, reinsurance pools and management operations, and other products. The company sells its products primarily to employers for the benefit of employees. Unum Group sells its products through field sales personnel, independent brokers, and consultants, as well as independent contractor agency sales force. The company was founded in 1848 and is based in Chattanooga, Tennessee.
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