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Upturn AI SWOT - About
UNM 
Unum Group (UNM)
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Upturn Advisory Summary
03/20/2025: UNM (5-star) is a STRONG-BUY. BUY since 41 days. Profits (8.17%). Updated daily EoD!
Upturn Star Rating
Outstanding Performance
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
AI Based Fundamental Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Analysis of Past Performance
Type Stock | Historic Profit 115.63% | Avg. Invested days 68 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 03/20/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 14.50B USD | Price to earnings Ratio 8.67 | 1Y Target Price 91.85 |
Price to earnings Ratio 8.67 | 1Y Target Price 91.85 | ||
Volume (30-day avg) 1447214 | Beta 0.73 | 52 Weeks Range 47.42 - 84.48 | Updated Date 04/1/2025 |
52 Weeks Range 47.42 - 84.48 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 2.06% | Basic EPS (TTM) 9.46 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 13.81% | Operating Margin (TTM) 15.39% |
Management Effectiveness
Return on Assets (TTM) 2.46% | Return on Equity (TTM) 17.26% |
Valuation
Trailing PE 8.67 | Forward PE 9.15 | Enterprise Value 17977314781 | Price to Sales(TTM) 1.12 |
Enterprise Value 17977314781 | Price to Sales(TTM) 1.12 | ||
Enterprise Value to Revenue 1.41 | Enterprise Value to EBITDA - | Shares Outstanding 176778000 | Shares Floating 161511215 |
Shares Outstanding 176778000 | Shares Floating 161511215 | ||
Percent Insiders 0.85 | Percent Institutions 90.69 |
Analyst Ratings
Rating 3.92 | Target Price 80.36 | Buy 3 | Strong Buy 4 |
Buy 3 | Strong Buy 4 | ||
Hold 5 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Unum Group
Company Overview
History and Background
Unum Group was formed in 1999 through the merger of Unum Corporation and Provident Companies. Unum traces its roots back to 1848, while Provident was founded in 1887. The company has grown through acquisitions and organic expansion to become a leading provider of financial protection benefits.
Core Business Areas
- Unum US: Offers a broad portfolio of workplace benefits, including disability, life, accident, critical illness, and dental coverage, primarily in the U.S.
- Unum International: Provides similar benefits in the U.K. and Poland.
- Colonial Life: Focuses on selling supplemental benefits directly to employees at the worksite in the U.S.
Leadership and Structure
Unum Group is led by a CEO and executive team responsible for overall strategy and operations. The company is organized into business segments, each with its own leadership team. The Board of Directors provides oversight and governance.
Top Products and Market Share
Key Offerings
- Group Disability Insurance (Short and Long Term): Provides income replacement to employees unable to work due to illness or injury. Unum is a leading provider of group disability insurance. Competitors include The Hartford, Principal Financial Group, and MetLife. Market share data is proprietary, but Unum is considered a market leader.
- Group Life Insurance: Offers financial protection to beneficiaries in the event of an employee's death. Competitors include Prudential, Lincoln Financial, and MetLife. Market share data is proprietary, but Unum is a significant player.
- Supplemental Benefits (Accident, Critical Illness, Dental, Vision): Provides additional financial protection to employees for specific events or healthcare needs. Competitors include Aflac and Cigna. Colonial Life is a significant player in this market, with a focus on worksite sales.
Market Dynamics
Industry Overview
The financial protection benefits industry is competitive and influenced by factors such as employment rates, healthcare costs, and regulatory changes. Demand is driven by employers seeking to attract and retain talent, and by individuals seeking financial security.
Positioning
Unum Group is positioned as a leading provider of workplace benefits, with a strong brand reputation, extensive distribution network, and comprehensive product portfolio. Its competitive advantages include its size, experience, and focus on customer service.
Total Addressable Market (TAM)
The total addressable market is estimated to be hundreds of billions of dollars annually, encompassing group benefits, individual benefits, and retirement solutions. Unum Group is well-positioned to capture a portion of this TAM through its diverse product offerings and distribution channels.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Extensive distribution network
- Comprehensive product portfolio
- Experienced management team
- Large scale and financial resources
Weaknesses
- Exposure to interest rate risk
- Sensitivity to economic downturns
- Potential for adverse claims experience
- Complex regulatory environment
Opportunities
- Expanding into new markets
- Developing new products and services
- Leveraging technology to improve efficiency
- Acquiring complementary businesses
- Capitalizing on the growing demand for workplace benefits
Threats
- Increased competition
- Changes in regulations
- Economic downturns
- Rising healthcare costs
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- AFL
- MET
- PRU
- LNC
- HIG
Competitive Landscape
Unum Group faces strong competition from other large insurance companies. Its advantages include its size, brand reputation, and extensive distribution network. Disadvantages include its exposure to interest rate risk and sensitivity to economic downturns.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Consult Unum Group's investor relations website for historical revenue, earnings, and growth metrics.
Future Projections: Consult analyst reports and financial news sources for future growth projections for Unum Group.
Recent Initiatives: Unum Group has been investing in technology and digital capabilities to improve customer experience and efficiency. They have also been focusing on expanding their supplemental benefits offerings and growing their international business.
Summary
Unum Group is a leading player in the financial protection benefits industry. The company benefits from a strong brand and extensive distribution network. However, it faces risks related to interest rates, economic conditions, and claims experience. Unum is positioned for continued growth through innovation and expansion.
Similar Companies
- AFL
- MET
- PRU
- LNC
- HIG
Sources and Disclaimers
Data Sources:
- Unum Group Investor Relations Website
- Company SEC Filings
- Industry Reports
- Analyst Research Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may not be precise. Consult with a qualified financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Unum Group
Exchange NYSE | Headquaters Chattanooga, TN, United States | ||
IPO Launch date 1986-11-06 | President, CEO & Director Mr. Richard Paul McKenney | ||
Sector Financial Services | Industry Insurance - Life | Full time employees 10833 | Website https://www.unum.com |
Full time employees 10833 | Website https://www.unum.com | ||
Unum Group, together with its subsidiaries, provides financial protection benefit solutions in the United States, the United Kingdom, and Poland. It operates through Unum US, Unum International, Colonial Life, and Closed Block segment. The company offers group long-term and short-term disability, group life, and accidental death and dismemberment products; supplemental and voluntary products, such as voluntary benefits, individual disability, 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 miscellaneous products. The company sells its products to employers for the benefit of employees. It sells its products through field sales personnel, independent brokers, consultants, and independent contractor agent sales force and brokers. Unum Group was founded in 1848 and is based in Chattanooga, Tennessee.
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