Unum Group (UNM)
被高估基本面
50
价格
$87.46
市值
$14.42B
第一部分 · 这家公司值多少
概览
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.
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资产负债表与流动性
营收
$13.35B
最近12个月（截至2026/6/30）
净利润
$703M
最近12个月（截至2026/6/30）
自由现金流
$555M
股东权益合计
$11.12B
负债合计
$52.40B
流动比率
-
利息覆盖率
-
债务/EBITDA
2.98
每股收益
营收与净利润
自由现金流
收入构成
历史财务表
利润率变化
债务变化
债务负担有多重
增长一览表
增长 — 营业收入
公允价值估算
公允价值
$60.52
当前价格
$87.46
安全边际
-44.5%
公允价值区间
$39.34 - $81.70
所用估值方法之间的离散区间，并非经过统计校准的置信区间。
估算方法
估值指标
市盈率（P/E）
20.35
ROE
6.6%
市净率（P/B）
1.28
P/FCF
20.04
毛利率
-
ROIC
-
盈利能力雷达图
价值创造（经济护城河）
ROIC
-
WACC
6.4%
ROIC − WACC
-
基本面分析标准
通过（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%
未通过（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
不可用（6）
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Operating Margin NaN%
- Current Ratio
- Interest Coverage
Piotroski F-评分
存在严重财务隐患
盈利质量
高质量：盈利有现金流支撑
股权稀释
正在回购股份，对股东友好
机构持股
公司治理
管理团队
| 姓名 | 职位 | 年龄 |
|---|---|---|
| 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 |
审计风险
1
董事会风险
1
薪酬风险
3
股东权利风险
2
第二部分 · 价格与买入时机
这一部分不判断公司是否值得拥有：它帮助你在基本面说服你之后，选择何时买入。包含：技术分析、潜力、历史回撤、Gamma 敞口。
损益历史
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