Unum Group (UNM)
SobrevaloradaFundamental
50
Precio
$87.73
Capitalización Bursátil
$14.42B
Parte 1 · Cuánto vale la empresa
Resumen
Unum Group, together with its subsidiaries, provides financial protection benefit solutions 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 voluntary benefits, individual disability, and dental and vision products; and accident, sickness, disability, life, and cancer and critical illness products. It also provides group pensions, individual life and corporate-owned life insurance, reinsurance pools and management operations, and other miscellaneous products. The company sells its products to employers for the benefit of employees. It sells its products through field sales personnel, independent brokers, consultants, and independent contractor agent sales force and brokers. Unum Group was formerly known as UnumProvident Corporation and changed its name to Unum Group in March 2007. The company was founded in 1848 and is based in Chattanooga, Tennessee.
No editorial profile for this company yet
Direct competitors
Who this company fights with for the same customers
No editorial profile for this company yet
No competitor list for this company yet.
Balance y Liquidez
Ingresos
$13.35B
Últimos 12 meses (hasta 30/6/2026)
Beneficio Neto
$703M
Últimos 12 meses (hasta 30/6/2026)
Flujo de Caja Libre
$555M
Patrimonio Neto Total
$11.12B
Pasivo Total
$52.40B
Ratio de Liquidez
-
Cobertura de Intereses
-
Deuda/EBITDA
2.98
Beneficio Por Acción
Ingresos y Beneficio Neto
Flujo de Caja Libre
Desglose de Ingresos
Estado histórico
Márgenes en el tiempo
La deuda en el tiempo
Cuánto pesa la deuda
Cuadro de crecimiento
Crecimiento — Ingresos
Estimación de Valor Justo
Valor Justo
$60.52
Precio Actual
$87.73
Margen de Seguridad
-45.0%
Rango de Valor Justo
$39.34 - $81.70
Dispersión entre los métodos de valoración utilizados, no un intervalo de confianza calibrado estadísticamente.
Métodos de Estimación
Métricas de Valoración
Ratio P/E
20.35
ROE
6.6%
Ratio P/B
1.28
P/FCF
20.04
Margen Bruto
-
ROIC
-
Radar de Rentabilidad
Creación de Valor (Ventaja Competitiva)
ROIC
-
WACC
6.4%
ROIC − WACC
-
Criterios de Análisis Fundamental
Superado (11)
- EPS shows upward trend
- Price CAGR 7.95%
- P/FCF 20.04
- P/B Ratio 1.28
- Positive Free Cash Flow
- CapEx intensity
- Debt/EBITDA
- Low reliance on intangibles
- Analyst Consensus 72% Buy
- Earnings Quality (OCF/NI) 1.18
- Share Dilution -8.0%
Fallido (11)
- EPS CAGR 4.57%
- Debt/Equity ratio
- Return on Tangible Assets
- Price below Graham Number
- DCF valuation (Fairly valued)
- ROE 6.4%
- Revenue Growth 5Y -0.1%
- Earnings Surprise avg -3.0%
- PEG Ratio 10.92
- Net Margin Trend 5.3% vs 11.8%
- Piotroski F-Score 3/9
No disponible (6)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Operating Margin NaN%
- Current Ratio
- Interest Coverage
Piotroski F-Score
Preocupaciones financieras graves
Calidad de los Beneficios
Alta calidad: beneficios respaldados por efectivo
Dilución de Acciones
Recomprando acciones. Favorable para el accionista
Participaciones institucionales
Gobernanza
Equipo Directivo
| Nombre | Cargo | Edad |
|---|---|---|
| Mr. Richard Paul McKenney | President, CEO & Director | 56 |
| Mr. Steven Andrew Zabel | Executive VP & CFO | 56 |
| Ms. Shelia D. Anderson | Executive VP and Chief Information & Digital Officer | 60 |
| Ms. Lisa Gonzalez Iglesias CPA, J.D. | Executive VP & General Counsel | 59 |
| Mr. Christopher Wallace Pyne | Executive Vice President of Group Benefits | 55 |
| Mr. Walter Lynn Rice Jr. | Senior VP & Chief Accounting Officer | 55 |
| Mr. J. Matthew Royal | Senior Vice President of Investor Relations & Treasury | - |
| Ms. Elizabeth A. Claire Ahmed | Executive Vice President of People & Communications | 50 |
| Mr. Joseph Richard Foley | Senior Vice President of Corporate Marketing & Public Relations | 69 |
| Mr. Timothy Gerald Arnold | Executive VP of Voluntary Benefits & President of Colonial Life | 62 |
Riesgo de Auditoría
1
Riesgo del Consejo
1
Riesgo de Compensación
3
Riesgo de Derechos del Accionista
2
Parte 2 · El precio y el momento de entrar
Esta parte no sirve para saber si la empresa vale: sirve para elegir cuándo comprarla, una vez que los fundamentales te han convencido. Dentro: análisis técnico, potencial, caídas históricas, exposición gamma.
Documentos
- Ver documento
Informe anual (10-K)
Un resumen anual del negocio, los resultados financieros y los riesgos de la empresa.
Presentado el 2026-02-17
- Ver documento
Informe trimestral (10-Q)
Una actualización del desempeño financiero de los últimos tres meses.
Presentado el 2026-07-29
- Ver documento
Informe de hecho relevante (8-K)
Un aviso sobre un hecho relevante, como un cambio de dirección o un anuncio importante.
Presentado el 2026-08-26
via SEC EDGAR
Historial de Resultados
via SEC EDGAR
Latest News
Recent headlines for UNM, sourced from Markets Gazette.
- 6/12/2026NEGATIVETop 2 Financial Stocks That May Fall Off A Cliff This Month
Unum Group is flagged as potentially overbought, with its Relative Strength Index (RSI) indicating a strong upward momentum that may not be sustainable. The article suggests that stocks exhibiting such overbought conditions could face significant declines. Investors who prioritize momentum strategies should be cautious, as Unum's current trajectory might be nearing a reversal point, potentially leading to a sharp drop in its stock price this month.
via Markets Gazette