Unum Valuation
| UNM Stock | USD 76.90 0.17 0.22% |
At this time, the company appears to be overvalued. Unum Group has a current Real Value of $69.69 per share. The regular price of the company is $76.9. Our model measures the value of Unum Group from inspecting the company fundamentals such as Shares Outstanding of 182.61 M, return on equity of 0.17, and Operating Margin of 0.27 % as well as reviewing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Unum's valuation include:
Price Book 1.2851 | Enterprise Value 17.4 B | Price Sales 1.0975 | Forward PE 8.6059 | Trailing PE 8.3496 |
Overvalued
Today
Please note that Unum's price fluctuation is very steady at this time. Calculation of the real value of Unum Group is based on 3 months time horizon. Increasing Unum's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the Unum stock is determined by what a typical buyer is willing to pay for full or partial control of Unum Group. Since Unum is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Unum Stock. However, Unum's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 76.9 | Real 69.69 | Target 55.5 | Hype 77.41 | Naive 76.23 |
The intrinsic value of Unum's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Unum's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of Unum Group helps investors to forecast how Unum stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Unum more accurately as focusing exclusively on Unum's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Unum's intrinsic value based on its ongoing forecasts of Unum's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Unum's closest peers.
Unum Cash |
|
Unum Valuation Trend
Knowing Unum's actual value is paramount for traders when making sound investment determinations. Using both Unum's enterprise value as well as its market capitalization is the best way to estimate the value of the company and is usually enough for investors to make market timing decisions.
Unum Revenue by Product
Unum Total Value Analysis
Unum Group is at this time estimated to have company total value of 17.38 B with market capitalization of 14.04 B, debt of 3.43 B, and cash on hands of 119.2 M. Please note that company total value may be misleading and is a subject to accounting gimmicks. We encourage investors to carefully check all of the Unum fundamentals before making security assessment based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
17.38 B | 14.04 B | 3.43 B | 119.2 M |
Unum Investor Information
About 90.0% of the company outstanding shares are owned by institutional investors. The company has Price to Book (P/B) ratio of 1.29. Historically many companies with similar price-to-book (P/B) ratio do better than the market in the long run. Unum Group has Price/Earnings To Growth (PEG) ratio of 2.5. The entity recorded earning per share (EPS) of 9.21. The firm last dividend was issued on the 25th of October 2024. Unum had 2:1 split on the 3rd of June 1997. Based on the analysis of Unum's profitability, liquidity, and operating efficiency, Unum Group is doing better financially today then in previous quarter. It has a moderate chance of reporting better financial numbers in December.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Operating Profit Margin | 0.12 | 0.1559 |
|
| |||||
| Total Cash From Operating Activities | 1.3 B | 1.2 B |
|
|
Unum Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. Unum has an asset utilization ratio of 19.58 percent. This suggests that the Company is making $0.2 for each dollar of assets. An increasing asset utilization means that Unum Group is more efficient with each dollar of assets it utilizes for everyday operations.Unum Ownership Allocation
Unum Group shows a total of 182.61 Million outstanding shares. The majority of Unum Group outstanding shares are owned by institutional holders. These institutional investors are usually referred to as non-private investors looking to take positions in Unum to benefit from reduced commissions. Consequently, institutions are subject to a different set of regulations than regular investors in Unum Group. Please pay attention to any change in the institutional holdings of Unum Group as this could imply that something significant has changed or is about to change at the company. Please note that no matter how many assets the company owns, if the real value of the company is less than the current market value, you may not be able to make money on it.Unum Profitability Analysis
The company reported the last year's revenue of 12.39 B. Total Income to common stockholders was 1.28 B with profit before taxes, overhead, and interest of 3.93 B.Unum Past Distributions to stockholders
About Unum Valuation
We use absolute and relative valuation methodologies to arrive at the intrinsic value of Unum Group. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of Unum Group based exclusively on its fundamental and basic technical indicators. By analyzing Unum's financials, quarterly and monthly indicators, and their related drivers, we attempt to find the most accurate representation of Unum's intrinsic value. As compared to an absolute model, our relative valuation model uses a comparative analysis of Unum. We calculate exposure to Unum's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Unum's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 11.9 B | 8.2 B | |
| Pretax Profit Margin | 0.13 | 0.19 | |
| Operating Profit Margin | 0.16 | 0.12 | |
| Net Profit Margin | 0.10 | 0.11 | |
| Gross Profit Margin | 0.96 | 0.76 |
Unum Quarterly Retained Earnings |
|
A single share of Unum represents a small ownership stake in the entity. As a stockholder of Unum, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Unum Dividends Analysis For Valuation
As of the 30th of November 2024, Dividends Paid is likely to grow to about (263.2 M). In addition to that, Dividend Yield is likely to drop to 0.02. At this time, Unum's Retained Earnings are very stable compared to the past year. As of the 30th of November 2024, Earnings Yield is likely to grow to 0.15, while Retained Earnings Total Equity is likely to drop about 8.3 B.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | -277.1 M | -263.2 M | |
| Dividend Yield | 0.03 | 0.02 | |
| Dividend Payout Ratio | 0.22 | 0.14 | |
| Dividend Paid And Capex Coverage Ratio | 2.92 | 2.77 |
There are various types of dividends Unum can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Unum shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Unum Group directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Unum pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Unum by the value of the dividends paid out.
Unum Growth Indicators
Investing in growth stocks can be very risky. If the company such as Unum does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 197.6 M | |
| Quarterly Earnings Growth Y O Y | 2.392 | |
| Forward Price Earnings | 8.6059 |
Unum Current Valuation Indicators
Unum's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final Unum's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Unum, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Unum's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Unum's worth.When determining whether Unum Group offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Unum's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Unum Group Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Unum Group Stock: Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Unum Group. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in board of governors. You can also try the Headlines Timeline module to stay connected to all market stories and filter out noise. Drill down to analyze hype elasticity.
Is Life & Health Insurance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Unum. If investors know Unum will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Unum listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 2.392 | Dividend Share 1.57 | Earnings Share 9.21 | Revenue Per Share 67.014 | Quarterly Revenue Growth 0.04 |
The market value of Unum Group is measured differently than its book value, which is the value of Unum that is recorded on the company's balance sheet. Investors also form their own opinion of Unum's value that differs from its market value or its book value, called intrinsic value, which is Unum's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Unum's market value can be influenced by many factors that don't directly affect Unum's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Unum's value and its price as these two are different measures arrived at by different means. Investors typically determine if Unum is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Unum's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.