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Unum Group (UNM) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Unum Group

UNMMarket cap $15BPrice $91.8

Country🇺🇸United States

SectorFinancials

IndustryInsurance

Sells disability, life, and supplemental insurance that protects paychecks when workers can't work. It's the largest provider of disability coverage in America, quietly insuring income for millions who'd otherwise be one injury away from financial trouble.

In Bastion Portfolios?

52W Return+24%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+3%4

Revenue Forecast

Rev CAGR (1y)-10%1

Rev CAGR (3y)-0%1

Rev CAGR (5y)+2%2

Earnings Forecast

EPS Growth Y+1+104%10

EPS Growth Y+2+1%4

EPS Growth Y+3+2%4

Quality

Margins

EBIT Margin8%4

Net Income Margin5%4

Free Cash Flow Margin5%4

Debt

Net Debt/EBITDA3.03

Efficiency

ROE6%3

ROA1%3

Earnings Stability55

GEAR+WEAK24

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)108

P/E Ratio (Forward 3y)107

P/BV1.38

EV Multiples

EV/EBITDA Fwd08

EV/EBIT Fwd08

Yield

Free Cash Flow Yield0.0%5

Dividend Yield2.2%6

Momentum

Short term

1 month return-4%5

3 month return+4%7

YTD return+21%7

Mid term

Price vs 52wHigh95%9

1 year return+20%7

Long term

3 year return+100%7

5 year return+292%9

Risk Shield

Price Risk

Beta0.86

Volatility24%9

Free Cash Flow

Free Cash Flow Margin5%4

Free Cash Flow Yield0.0%5

Quality

ROCE2%3

Earnings Stability55

Net Debt/EBITDA3.03

02Growth

Is it actually growing, and how fast?

UNMUnum

Revenue FY25$13.1B

GROWTH RATING↗

VERY WEAK7 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+3%4

Revenue, next 1Y-10%1

Revenue, next 3Y, CAGR-0%1

Revenue, next 5Y, CAGR+2%2

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+104%10

EPS growth, FY27E+1%4

EPS growth, FY28E+2%4

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow in step with sales (EPS about 2%/yr vs revenue -0.2%/yr).

WATCH

None flagged.

WEAKNESSES

Growth is the weak spot here, trailing 93% of companies worldwide.

Revenue is set to hold flat over the next 3 years, behind most of the market.1/10

Revenue grew 3%/yr over the last 3 years, but it is set to hold flat from here.

Over five years revenue is set to grow 2%/yr, behind 80% of companies worldwide.2/10

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business heading into decline. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG79 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-4%5

3-month return+4%7

YTD return+21%7

MID & LONG-TERM▾SCORE

% of 52-week high95%9

1-year return+20%7

3-year return+100%7

5-year return+292%9

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +100% over three years and +292% over five, ahead of 70% of the market.

It's up 20% over the past year, now 5% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over three months (+4%) and so far this year (+21%).

WATCH

Returns sit at the market level over the past month (-4%).

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on Unum. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

UNMUnum

Revenue FY25$13.1B

GROWTH RATING↗

VERY WEAK7 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+3%4

Revenue, next 1Y-10%1

Revenue, next 3Y, CAGR-0%1

Revenue, next 5Y, CAGR+2%2

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+104%10

EPS growth, FY27E+1%4

EPS growth, FY28E+2%4

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow in step with sales (EPS about 2%/yr vs revenue -0.2%/yr).

WATCH

None flagged.

WEAKNESSES

Growth is the weak spot here, trailing 93% of companies worldwide.

Revenue is set to hold flat over the next 3 years, behind most of the market.1/10

Revenue grew 3%/yr over the last 3 years, but it is set to hold flat from here.

Over five years revenue is set to grow 2%/yr, behind 80% of companies worldwide.2/10

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business heading into decline. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG79 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-4%5

3-month return+4%7

YTD return+21%7

MID & LONG-TERM▾SCORE

% of 52-week high95%9

1-year return+20%7

3-year return+100%7

5-year return+292%9

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +100% over three years and +292% over five, ahead of 70% of the market.

It's up 20% over the past year, now 5% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over three months (+4%) and so far this year (+21%).

WATCH

Returns sit at the market level over the past month (-4%).

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on Unum. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community