Unum Group, together with its subsidiaries, provides financial protection benefit solutions in the United States, the United Kingdom, Poland, and internationally.
6 star dividend payer and undervalued.
Share Price & News
How has Unum Group's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: 0LJN's share price has been volatile over the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: 0LJN exceeded the UK Insurance industry which returned -38.7% over the past year.
Return vs Market: 0LJN exceeded the UK Market which returned -25.9% over the past year.
Price Volatility Vs. Market
How volatile is Unum Group's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Unum Group undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: 0LJN ($38.79) is trading below our estimate of fair value ($287.12)
Significantly Below Fair Value: 0LJN is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: 0LJN is good value based on its PE Ratio (2.6x) compared to the Insurance industry average (11.9x).
PE vs Market: 0LJN is good value based on its PE Ratio (2.6x) compared to the UK market (12.3x).
Price to Earnings Growth Ratio
PEG Ratio: 0LJN is poor value based on its PEG Ratio (40.4x)
Price to Book Ratio
PB vs Industry: 0LJN is good value based on its PB Ratio (0.3x) compared to the GB Insurance industry average (1.2x).
How is Unum Group forecast to perform in the next 1 to 3 years based on estimates from 7 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: 0LJN's forecast earnings growth (0.06% per year) is below the savings rate (0.5%).
Earnings vs Market: 0LJN's earnings (0.06% per year) are forecast to grow slower than the UK market (15.4% per year).
High Growth Earnings: 0LJN's earnings are forecast to grow, but not significantly.
Revenue vs Market: 0LJN's revenue (2.3% per year) is forecast to grow slower than the UK market (2.6% per year).
High Growth Revenue: 0LJN's revenue (2.3% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: 0LJN's Return on Equity is forecast to be low in 3 years time (9.9%).
How has Unum Group performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 0LJN has high quality earnings.
Growing Profit Margin: 0LJN's current net profit margins (9.2%) are higher than last year (4.5%).
Past Earnings Growth Analysis
Earnings Trend: 0LJN's earnings have grown by 8.8% per year over the past 5 years.
Accelerating Growth: 0LJN's earnings growth over the past year (110.2%) exceeds its 5-year average (8.8% per year).
Earnings vs Industry: 0LJN earnings growth over the past year (110.2%) exceeded the Insurance industry 4.5%.
Return on Equity
High ROE: 0LJN's Return on Equity (11%) is considered low.
How is Unum Group's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: 0LJN has a low level of unsold assets or inventory.
Debt Coverage by Assets: 0LJN's debt is covered by short term assets (assets are 2.5x debt).
Financial Institutions Analysis
Asset Level: 0LJN's level of assets compared to its equity is low.
Allowance for Bad Loans: Insufficient data to determine if 0LJN has a sufficient allowance for bad loans.
Low Risk Liabilities: 0LJN reports no customer deposits, loans are made up entirely of externally borrowed funds.
Loan Level: Insufficient data to determine if 0LJN has an acceptable proportion of non-loan assets held.
Low Risk Deposits: 0LJN has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: Insufficient data to determine if 0LJN has an appropriate level of bad loans.
What is Unum Group's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: 0LJN's dividend (8.47%) is higher than the bottom 25% of dividend payers in the UK market (2.66%).
High Dividend: 0LJN's dividend (8.47%) is in the top 25% of dividend payers in the UK market (7.42%)
Stability and Growth of Payments
Stable Dividend: 0LJN's dividends per share have been stable in the past 10 years.
Growing Dividend: 0LJN's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (21.3%), 0LJN's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: 0LJN's dividends in 3 years are forecast to be well covered by earnings (21.7% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Rick McKenney (50yo)
Mr. Richard Paul McKenney, also known as Rick, has been the President of Unum Group since April 01, 2015 and has been its Chief Executive Officer since May 2015. Mr. McKenney is responsible for evaluating ...
CEO Compensation Analysis
Compensation vs Market: Rick's total compensation ($USD9.90M) is above average for companies of similar size in the UK market ($USD2.55M).
Compensation vs Earnings: Rick's compensation has been consistent with company performance over the past year.
|Executive VP & COO||0.17yr||US$2.53m||0.044% $1.2m|
|Executive VP & General Counsel||5.25yrs||US$1.79m||0.025% $690.8k|
|Executive VP of Voluntary Benefits & President of Colonial Life||7.67yrs||US$1.83m||0.017% $456.9k|
|Executive VP & CFO||0.75yr||no data||0.0055% $150.0k|
|Executive VP & Chief Investment Officer||0.50yr||no data||no data|
|Senior VP & Chief Accounting Officer||0.17yr||no data||0.0016% $44.5k|
|Executive VP and Chief Information & Digital Officer||2.08yrs||no data||0.0042% $115.3k|
|Senior Vice President of Investor Relations||no data||no data||no data|
|Senior Vice President of Corporate Communications||5.42yrs||no data||no data|
Experienced Management: 0LJN's management team is considered experienced (2.1 years average tenure).
|Non-Executive Chairman||2.92yrs||US$460.00k||0.019% $522.2k|
|Independent Director||5.17yrs||US$269.99k||0.0055% $150.3k|
|Independent Director||15.42yrs||US$285.00k||0.041% $1.1m|
|Independent Director||7.67yrs||US$279.99k||0.014% $392.7k|
|Independent Director||6.42yrs||US$275.00k||0.000010% $273.3|
|Independent Director||4.75yrs||US$260.00k||0.0037% $101.9k|
|Independent Director||2.17yrs||US$287.43k||0.00037% $10.1k|
|Independent Director||5.75yrs||US$290.00k||0.0063% $173.0k|
|Independent Director||4yrs||US$259.99k||no data|
Experienced Board: 0LJN's board of directors are considered experienced (5.1 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Unum Group's company bio, employee growth, exchange listings and data sources
- Name: Unum Group
- Ticker: 0LJN
- Exchange: LSE
- Founded: 1848
- Industry: Life and Health Insurance
- Sector: Insurance
- Market Cap: US$2.733b
- Shares outstanding: 203.02m
- Website: https://www.unum.com
Number of Employees
- Unum Group
- 1 Fountain Square
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|UNM||NYSE (New York Stock Exchange)||Yes||Common Stock||US||USD||Jul 1999|
|UUM||DB (Deutsche Boerse AG)||Yes||Common Stock||DE||EUR||Jul 1999|
|UUM||MUN (Boerse Muenchen)||Yes||Common Stock||DE||EUR||Jul 1999|
|0LJN||LSE (London Stock Exchange)||Yes||Common Stock||GB||USD||Jul 1999|
|UUM||BRSE (Berne Stock Exchange)||Yes||Common Stock||CH||CHF||Jul 1999|
Unum Group, together with its subsidiaries, provides financial protection benefit solutions in the United States, the United Kingdom, Poland, and internationally. 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 individual disability, voluntary benefits, and dental and vision products; and accident, sickness, disability, life, and cancer and critical illness products. It also provides group pension, individual life and corporate-owned life insurance, reinsurance pools and management operations, and other products. The company sells its products primarily to employers for the benefit of employees. Unum Group sells its products through field sales personnel, independent brokers, and consultants, as well as independent contractor agency sales force. The company was founded in 1848 and is based in Chattanooga, Tennessee.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/04/04 02:23|
|End of Day Share Price||2020/04/03 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.