Company Analysis Unum
1. Summary
Advantages
- Price (42.7 $) is less than fair price (60.62 $)
- Dividends (2.74%) are higher than the sector average (2.69%).
- The stock's return over the last year (62.33%) is higher than the sector average (25.58%).
- The company's current efficiency (ROE=13.3%) is higher than the sector average (ROE=10.97%)
Disadvantages
- Current debt level 5.45% has increased over 5 years from 4.97%.
Similar companies
2. Share price and performance
2.1. Share price
2.2. News
2.3. Market efficiency
| Unum | Financials | Index | |
|---|---|---|---|
| 7 days | 3.4% | -5.7% | -1.2% |
| 90 days | 26.2% | 0.8% | 2.9% |
| 1 year | 62.3% | 25.6% | 24.2% |
UNM vs Sector: Unum has outperformed the "Financials" sector by 36.75% over the past year.
UNM vs Market: Unum has outperformed the market by 38.14% over the past year.
Stable price: UNM is not significantly more volatile than the rest of the market on "New York Stock Exchange" over the last 3 months, with typical variations of +/- 5% per week.
Long period: UNM with weekly volatility of 1.2% over the past year.
3. Summary of the report
4. Fundamental Analysis
4.1. Stock price and price forecast
Below fair price: The current price (42.7 $) is lower than the fair price (60.62 $).
Price significantly below the fair price: The current price (42.7 $) is 42% lower than the fair price.
4.2. P/E
P/E vs Sector: The company's P/E (6.92) is lower than that of the sector as a whole (62.87).
P/E vs Market: The company's P/E (6.92) is lower than that of the market as a whole (47.37).
4.2.1 P/E Similar companies
4.3. P/BV
P/BV vs Sector: The company's P/BV (0.9201) is lower than that of the sector as a whole (1.43).
P/BV vs Market: The company's P/BV (0.9201) is lower than that of the market as a whole (22.69).
4.3.1 P/BV Similar companies
4.4. P/S
P/S vs Sector: The company's P/S indicator (0.717) is lower than that of the sector as a whole (3.49).
P/S vs Market: The company's P/S indicator (0.717) is lower than that of the market as a whole (15.16).
4.4.1 P/S Similar companies
4.5. EV/Ebitda
EV/Ebitda vs Sector: The company's EV/Ebitda (7.42) is higher than that of the sector as a whole (-115.29).
EV/Ebitda vs Market: The company's EV/Ebitda (7.42) is lower than that of the market as a whole (17.77).
5. Profitability
5.1. Profitability and revenue
5.2. Earnings per share - EPS
5.3. Past profitability Net Income
Yield Trend: Rising and has grown by 12.38% over the last 5 years.
Earnings Slowdown: The last year's return (0%) is below the 5-year average return (12.38%).
Profitability vs Sector: The return for the last year (0%) exceeds the return for the sector (-83.56%).
5.4. ROE
ROE vs Sector: The company's ROE (13.3%) is higher than that of the sector as a whole (10.97%).
ROE vs Market: The company's ROE (13.3%) is lower than that of the market as a whole (17.14%).
5.5. ROA
ROA vs Sector: The company's ROA (2.03%) is lower than that of the sector as a whole (3.21%).
ROA vs Market: The company's ROA (2.03%) is lower than that of the market as a whole (6.51%).
5.6. ROIC
ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (5.17%).
ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (9.31%).
7. Dividends
7.1. Dividend yield vs Market
High yield: The dividend yield of the company 2.74% is higher than the average for the sector '2.69%.
7.2. Stability and increase in payments
Dividend stability: The company's dividend yield 2.74% has been steadily paid over the past 7 years, DSI=0.93.
Dividend growth: Company's dividend yield 2.74% has been growing over the last 5 years. Growth over 15 years.
7.3. Payout percentage
Dividend Coverage: Current payments from income (21.58%) are at an uncomfortable level.
8. Insider trades
8.1. Insider trading
Insider Buying Exceeds insider sales by 100% over the last 3 months.
8.2. Latest transactions
| Transaction date | Insider | Type | Price | Volume | Quantity |
|---|---|---|---|---|---|
| 05.03.2024 | IGLESIAS LISA G EVP, General Counsel |
Sale | 50 | 800 000 | 16 000 |
| 08.05.2023 | Pyne Christopher W EVP, Group Benefits |
Sale | 44.82 | 250 051 | 5 579 |
| 08.05.2023 | Rice Walter Lynn JR SVP, Chief Accounting Officer |
Sale | 44.71 | 125 188 | 2 800 |
| 18.11.2022 | Bhasin Puneet EVP, Chief Info & Digital Off. |
Sale | 41.03 | 440 047 | 10 725 |
| 04.11.2022 | Pyne Christopher W EVP, Group Benefits |
Sale | 45.02 | 243 108 | 5 400 |
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