Is Unum Stock a Good Investment?
Unum Investment Advice | UNMA |
- Examine Unum's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Unum's leadership team and their track record. Good management can help Unum navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Life & Health Insurance space and any emerging trends that could impact Unum's business and its evolving consumer preferences.
- Compare Unum's performance and market position to its competitors. Analyze how Unum is positioned in terms of product offerings, innovation, and market share.
- Check if Unum pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Unum's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Unum Group stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Unum Group is a good investment.
Sell | Buy |
Hold
Market Performance | Very Weak | Details | |
Volatility | Very steady | Details | |
Hype Condition | Stale | Details | |
Current Valuation | Fairly Valued | Details | |
Odds Of Distress | Very Small | Details | |
Economic Sensitivity | Barely shadows the market | Details | |
Investor Sentiment | Impartial | Details | |
Analyst Consensus | Not Available | Details | |
Financial Strenth (F Score) | Poor | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine Unum Stock
Researching Unum's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). The company last dividend was issued on the 16th of December 2024.
To determine if Unum is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Unum's research are outlined below:
| Unum Group is unlikely to experience financial distress in the next 2 years | |
| Unum Group has a poor financial position based on the latest SEC disclosures | |
| Latest headline from news.google.com: Unum group director Gloria Larson sells 745,000 in stock - Investing.com |
Unum Quarterly Accounts Payable |
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Unum's market capitalization trends
The company currently falls under 'Mid-Cap' category with a current market capitalization of 5.66 B.Market Cap |
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Unum's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.12 | 0.12 | |
| Return On Capital Employed | 0.14 | 0.15 | |
| Return On Assets | 0.09 | 0.10 | |
| Return On Equity | 0.13 | 0.14 |
Determining Unum's profitability involves analyzing its financial statements and using various financial metrics to determine if Unum is a good buy. For example, gross profit margin measures Unum's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Unum's profitability and make more informed investment decisions.
Please note, the presentation of Unum's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Unum's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Unum's management manipulating its earnings.
Evaluate Unum's management efficiency
The current year's Return On Tangible Assets is expected to grow to 0.12. The current year's Return On Capital Employed is expected to grow to 0.15. At present, Unum's Other Assets are projected to decrease significantly based on the last few years of reporting. The current year's Intangible Assets is expected to grow to about 2.9 B, whereas Total Assets are forecasted to decline to about 13.3 B. Unum's management efficiency ratios could be used to measure how well Unum manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | (201.54) | (191.46) | |
| Tangible Book Value Per Share | (217.45) | (206.57) | |
| Enterprise Value Over EBITDA | 4.24 | 4.45 | |
| Price Book Value Ratio | 0.51 | 0.68 | |
| Enterprise Value Multiple | 4.24 | 4.45 | |
| Price Fair Value | 0.51 | 0.68 | |
| Enterprise Value | 9.8 B | 9.8 B |
Unum Group has shown resilience through effective management strategies. Our analysis examines how these strategies influence financial outcomes and investor returns which helps in understanding the stock's long-term potential.
Dividend Yield 0.0379 | Forward Dividend Yield 0.0603 |
Basic technical analysis of Unum Stock
As of the 23rd of November, Unum has the Risk Adjusted Performance of 0.0152, semi deviation of 0.4598, and Coefficient Of Variation of 3648.0. In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of Unum Group, as well as the relationship between them.Unum's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Unum insiders, such as employees or executives, is commonly permitted as long as it does not rely on Unum's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Unum insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Unum's Outstanding Corporate Bonds
Unum issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Unum Group uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Unum bonds can be classified according to their maturity, which is the date when Unum Group has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| UNM 4125 15 JUN 51 Corp BondUS91529YAR71 | View | |
| US91529YAP16 Corp BondUS91529YAP16 | View | |
| US91529YAN67 Corp BondUS91529YAN67 | View | |
| UNUM GROUP 3875 Corp BondUS91529YAL02 | View | |
| UNUM GROUP 575 Corp BondUS91529YAJ55 | View |
Understand Unum's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Unum's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.0152 | |||
| Market Risk Adjusted Performance | 0.0584 | |||
| Mean Deviation | 0.3722 | |||
| Semi Deviation | 0.4598 | |||
| Downside Deviation | 0.4895 | |||
| Coefficient Of Variation | 3648.0 | |||
| Standard Deviation | 0.4854 | |||
| Variance | 0.2356 | |||
| Information Ratio | (0.24) | |||
| Jensen Alpha | (0) | |||
| Total Risk Alpha | (0.07) | |||
| Sortino Ratio | (0.24) | |||
| Treynor Ratio | 0.0484 | |||
| Maximum Drawdown | 2.55 | |||
| Value At Risk | (0.84) | |||
| Potential Upside | 0.8226 | |||
| Downside Variance | 0.2396 | |||
| Semi Variance | 0.2114 | |||
| Expected Short fall | (0.40) | |||
| Skewness | (0.08) | |||
| Kurtosis | 0.3238 |
| Risk Adjusted Performance | 0.0152 | |||
| Market Risk Adjusted Performance | 0.0584 | |||
| Mean Deviation | 0.3722 | |||
| Semi Deviation | 0.4598 | |||
| Downside Deviation | 0.4895 | |||
| Coefficient Of Variation | 3648.0 | |||
| Standard Deviation | 0.4854 | |||
| Variance | 0.2356 | |||
| Information Ratio | (0.24) | |||
| Jensen Alpha | (0) | |||
| Total Risk Alpha | (0.07) | |||
| Sortino Ratio | (0.24) | |||
| Treynor Ratio | 0.0484 | |||
| Maximum Drawdown | 2.55 | |||
| Value At Risk | (0.84) | |||
| Potential Upside | 0.8226 | |||
| Downside Variance | 0.2396 | |||
| Semi Variance | 0.2114 | |||
| Expected Short fall | (0.40) | |||
| Skewness | (0.08) | |||
| Kurtosis | 0.3238 |
Consider Unum's intraday indicators
Unum intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Unum stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
Unum Corporate Filings
F4 | 22nd of November 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
10Q | 30th of October 2024 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations | ViewVerify |
8K | 29th of October 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
13A | 21st of October 2024 An amended filing to the original Schedule 13G | ViewVerify |
Unum Stock media impact
Far too much social signal, news, headlines, and media speculation about Unum that are available to investors today. That information is available publicly through Unum media outlets and privately through word of mouth or via Unum internal channels. However, regardless of the origin, that massive amount of Unum data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Unum news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Unum relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Unum's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Unum alpha.
Unum Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Unum can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Unum Corporate Directors
| Francis Shammo | Independent Director | Profile | |
| Cynthia Egan | Independent Director | Profile | |
| Theodore Bunting | Independent Director | Profile | |
| Gloria Larson | Independent Director | Profile |
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 population. You can also try the Cryptocurrency Center module to build and monitor diversified portfolio of extremely risky digital assets and cryptocurrency.
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.
Dividend Share 0.95 |
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.
In summary, please note that there is a difference between Unum's value and its price, as these two are different measures arrived at by various 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.