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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#3412
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Insurance
$13.2B
Richard P. McKenney
Unum Group 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 sells its products primarily to employers for the benefit of employees.
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = UNM ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$UNM Unum Group | 41 | 31 | 33 | 41 | 10.1x | 13.1x | 1.4% | 1.9% | 0.0% | 9.4% | 9.3% | 4.5% | 2.2% | 34.0x | $13.2B | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
Unum Group (UNM) receives a "Reduce" rating with a composite score of 41.0/100. It ranks #3412 out of 7,333 stocks in our coverage universe and carries a 2-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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In-line with peers — no strong momentum signal
Expensive relative to fundamentals — limited margin of safety
Weak fundamentals — higher risk of value trap
Average volatility — neutral timing signal
Moderate investment profile
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for UNM.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 31 | 41 | -10DRAG |
| MOMENTUM | 41 | 40 | +1NEUTRAL |
| VALUATION | 33 | 29 | +4NEUTRAL |
| INVESTMENT | 48 | 92 | -44DRAG |
| STABILITY | 55 | 58 | -3NEUTRAL |
| SHORT INT | 44 | 43 | +1NEUTRAL |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 21.1% vs WACC 7.7% (spread +13.4%)
GM 0% vs sector 78%, OM 9% vs sector 18%
Capital turnover 3.80x
Rev growth 4%, 10yr history
Interest coverage 17.9x, Net debt/EBITDA 3.7x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate Unum Group (UNM) as a Reduce with a composite score of 41.0/100 at a current price of $73.05. The quantitative profile shows weakness across multiple dimensions, suggesting limited upside potential.
Unum Group holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 41.0/100 places it at rank #3412 in our full universe.
Narrow
Low
Standard
Fair Value
Stable competitive position in a defensive sector.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
Unum Group represents a reduce based on multi-factor quantitative performance.
Unum Group receives a Reduce rating from our analysis, with a composite score of 41.0/100 and 2 out of 5 stars, ranking #3412 out of 7,333 stocks. UNM's factor profile shows weakness across multiple dimensions, suggesting the stock may underperform going forward. Existing holders may want to consider trimming positions or tightening stop-losses.
UNM's quality score of 31/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 1.4% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 9.3% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
With a value score of 33/100, UNM appears somewhat expensive relative to its fundamentals. Key valuation metrics include a P/E ratio of 10.08x, an EV/EBITDA of 13.12x, a P/B ratio of 1.21x. Investors paying a premium here are likely betting on above-average growth or margin expansion to justify current prices.
With an investment score of 48/100, UNM exhibits moderate growth-oriented spending. Key growth metrics include revenue growth of 4.5% vs. a sector average of 10.7% and a return on assets of 1.9% (sector: 1.3%). The company appears to be balancing growth investments with capital returns, though the pace of investment may not be enough to accelerate top-line growth meaningfully.
UNM is currently showing below-average momentum at 41/100, which may indicate weakening institutional interest or negative sentiment shifts. Revenue growth stands at 4.5% year-over-year, while a beta of 0.83 reflects its sensitivity to broader market moves. Investors should note that declining momentum can precede further price weakness, though contrarian opportunities sometimes emerge at these levels.
With a stability score of 55/100, UNM exhibits average financial resilience. Key stability metrics include a beta of 0.83 and a debt-to-equity ratio of 34.00x (sector avg: 0.5x). While the balance sheet is not a major concern, the stock is subject to typical market volatility and may experience sharper drawdowns during risk-off episodes.
The short interest score of 44/100 for UNM suggests somewhat elevated bearish positioning by institutional traders. Specific risk factors include elevated leverage (D/E: 34.00x). With a $13.2B market cap (large-cap), Unum Group may experience above-average volatility. Investors should consider whether the short thesis has merit or if it creates a potential short-squeeze opportunity.
UNM pays a solid dividend yield of 2.2%, contributing an income component to total returns. This compares to a sector average dividend yield of 2.0%. This moderate yield suggests a balance between returning capital to shareholders and retaining earnings for reinvestment — a common profile among quality compounders.
Unum Group is a large-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #3412 of 7,333 overall (53rd percentile). Key comparisons include ROE of 1.4% trailing the 9.0% sector median and operating margins of 9.4% below the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While UNM currently exhibits a REDUCE profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
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Improvement in Quality (31) would have the largest impact on the composite score.
EV/EBITDA 69% ABOVE SECTOR MEDIAN
ROE 84% BELOW SECTOR MEDIAN
Gross Margin 100% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
Unum Group’s fourth quarter saw revenue and non-GAAP earnings fall short of Wall Street expectations, resulting in a negative market reaction. Management attributed the weaker results primarily to higher-than-expected benefits experience in group disability and life insurance, which was amplified by lower recoveries and reduced mortality within claimant blocks. CEO Richard Paul McKenney described the outcome as “softer” than anticipated, noting that the company’s core return on equity remained resilient despite earnings volatility. Leadership emphasized that these trends, though adverse for the quarter, were not indicative of a lasting shift in the company’s underlying earnings power.
Unum is a strong dividend stock with a 2.68% dividend yield, which is higher than the industry and S&P 500 averages. The company has increased its dividend by an average of 7.59% annually over the last 5 years, and its payout ratio is low at 18%, indicating potential for future dividend growth.
Unum (UNM) is an attractive dividend play with a strong Zacks Rank of #2 (Buy). The company has seen a 20.9% increase in its annualized dividend over the past year and has a dividend yield of 3.09%, higher than the industry and S&P 500 averages. Unum's earnings are expected to grow 10.44% this fiscal year, making it a compelling investment opportunity.
Globe Life Inc.'s first-quarter 2025 net operating income missed estimates, but premiums and underwriting income improved. The company's results were impacted by lower investment income and higher expenses.
The Accident and Health Insurance industry is expected to benefit from increased underwriting exposure and adoption of technology, despite ongoing pricing pressure and potential rise in claims frequency. Aflac, Unum Group, and Trupanion are highlighted as companies that should continue to perform well in this environment.