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Unum Group (UNM) is a leading insurance-life business with stocks listed in the US. It opened the day at US$27.46 after a previous close of US$26.7. During the day the price has varied from a low of USD27.3 to a high of USD27.935. The latest price was USD27.91 (25 minute delay). Unum Group is listed on the NYSE. All prices are listed in US Dollars.
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| Open | US$27.46 |
|---|---|
| High | US$27.935 |
| Low | US$27.3 |
| Close | US$27.91 |
| Previous close | US$26.7 |
| Change | US$1.21 |
| Change % | 4.5318% |
| Volume | 1,560,758 |
| 52-week range | US$21.7861 - US$37.49 |
|---|---|
| 50-day moving average | US$34.1248 |
| 200-day moving average | US$28.6207 |
| Target price | US$35.15 |
| PE ratio | 7.588 |
| Dividend yield | US$0.9 (3.54%) |
| Earnings per share (TTM) | US$4.519 |
The technical analysis gauge below displays real-time ratings for the timeframes you select. However, this is not a recommendation. 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.
Use the fields above to explore the returns from a historical investment. Please refer to the charts further up this page to see performance over 5 years, or other periods. Past performance doesn't indicate future results. Capital is at risk.
Historical closes compared with the last close of $27.91
| 1 week (2022-06-21) | -17.60% |
|---|---|
| 1 month (2022-05-27) | -23.70% |
| 6 months (2021-12-28) | 13.09% |
| 1 year (2021-06-28) | -1.76% |
|---|---|
| 2 years (2020-06-26) | 79.83% |
| 3 years (2019-06-28) | -16.81% |
| 5 years (2017-06-28) | -39.90% |
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 8x. In other words, Unum Group shares trade at around 8x 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 US$1.6 billion (£1.3 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 | US$11.9 billion |
|---|---|
| Operating margin TTM | 12.22% |
| Gross profit TTM | US$3.3 billion |
| Return on assets TTM | 1.34% |
| Return on equity TTM | 8.73% |
| Profit margin | 7.76% |
| Book value | 52.624 |
| Market capitalisation | US$6.9 billion |
TTM: trailing 12 months
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 01/01/2019) 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.
Unum Group was last rated for ESG on: 2019-01-01.
| Total ESG score | 30.31 |
|---|---|
| Total ESG percentile | 41.66 |
| Environmental score | 5.85 |
| Environmental score percentile | 6 |
| Social score | 13.83 |
| Social score percentile | 6 |
| Governance score | 17.63 |
| Governance score percentile | 6 |
| Level of controversy | 1 |
Dividend payout ratio: 25.7% of net profits
Recently Unum Group has paid out, on average, around 25.7% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 3.54% 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 3.54% return on their shares, in the form of dividend payments. In Unum Group's case, that would currently equate to about $0.9 per share.
While Unum Group's payout ratio might seem fairly standard, it's worth remembering that Unum Group may be investing much of the rest of its net profits in future growth.
Unum Group's most recent dividend payout was on 20 May 2022. The latest dividend was paid out to all shareholders who bought their shares by 28 April 2022 (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 the split, the next day you would own 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 US$21.7861 up to US$37.49. A popular way to gauge a stock's volatility is its "beta".
Beta measures a share's volatility in relation to the market. The market (NYSE average) beta is 1, while Unum Group's is 1.4097. 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 primarily in the United States, the United Kingdom, and Poland. 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, consultants, and independent contractor agency sales force. The company was founded in 1848 and is based in Chattanooga, Tennessee.
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