Analyzing Unum Group (UNM) and Its Competitors
Unum Group (NYSE: UNM) is one of 31 publicly-traded companies in the “Life & Health Insurance” industry, but how does it contrast to its competitors? We will compare Unum Group to similar businesses based on the strength of its valuation, dividends, profitability, risk, analyst recommendations, institutional ownership and earnings.
Risk and Volatility
Unum Group has a beta of 1.57, suggesting that its share price is 57% more volatile than the S&P 500. Comparatively, Unum Group’s competitors have a beta of 1.28, suggesting that their average share price is 28% more volatile than the S&P 500.
Insider & Institutional Ownership
92.3% of Unum Group shares are held by institutional investors. Comparatively, 68.4% of shares of all “Life & Health Insurance” companies are held by institutional investors. 0.5% of Unum Group shares are held by company insiders. Comparatively, 9.5% of shares of all “Life & Health Insurance” companies are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.
Unum Group pays an annual dividend of $0.92 per share and has a dividend yield of 1.8%. Unum Group pays out 22.2% of its earnings in the form of a dividend. As a group, “Life & Health Insurance” companies pay a dividend yield of 2.3% and pay out 35.9% of their earnings in the form of a dividend. Unum Group has increased its dividend for 8 consecutive years.
This is a summary of recent ratings for Unum Group and its competitors, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Unum Group Competitors||349||1385||1899||80||2.46|
Unum Group presently has a consensus target price of $47.43, suggesting a potential downside of 5.67%. As a group, “Life & Health Insurance” companies have a potential upside of 10.25%. Given Unum Group’s competitors stronger consensus rating and higher probable upside, analysts plainly believe Unum Group has less favorable growth aspects than its competitors.
This table compares Unum Group and its competitors’ net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Unum Group Competitors||4.29%||1.62%||1.76%|
Valuation and Earnings
This table compares Unum Group and its competitors top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||EBITDA||Price/Earnings Ratio|
|Unum Group||$11.19 billion||$1.66 billion||12.12|
|Unum Group Competitors||$28.59 billion||$2.35 billion||51.56|
Unum Group’s competitors have higher revenue and earnings than Unum Group. Unum Group is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.
Unum Group competitors beat Unum Group on 10 of the 15 factors compared.
Unum Group Company Profile
Unum Group is a provider of financial protection benefits in the United States and the United Kingdom. The Company’s products include disability, life, accident, critical illness, dental and vision, and other related services. Its segments include Unum US, Unum UK, Colonial Life, Closed Block and Corporate. Its Unum US segment includes group long-term and short-term disability insurance, group life and accidental death and dismemberment products, and supplemental and voluntary lines of business. Its Unum UK segment includes insurance for group long-term disability, group life, and supplemental lines of business, which include dental, individual disability and critical illness products. Its Colonial Life segment includes insurance for accident, sickness, and disability products, life products, and cancer and critical illness products issued primarily by Colonial Life & Accident Insurance Company and marketed to employees. Its Closed Block segment consists of other insurance products.
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