Unum Group 6.250% JR NT58 (UNMA) 10-Year Financial Performance & Capital Metrics

UNMA • • Insurance & Managed Care

Financial ServicesDiversified InsuranceRetirement & Wealth SolutionsGroup Benefits & Employee Solutions

AboutUnum Group engages in the provision of financial protection benefits. Its services include disability, life, accident, critical illness, dental, vision, and other related services. It operates through the following segments: Unum US, Unum International, Colonial Life, Closed Block, and Corporate. The Unum US segment focuses on group disability, group life and accidental death and dismemberment products, and supplemental and voluntary lines of business. The Unum International segment engages in the operations of the UK business, which includes insurance for group long-term disability, group life, and supplemental lines of business that include dental, individual disability, and critical illness products. The Colonial Life segment includes insurance for accident, sickness, disability products, life products, and cancer and critical illness products. The Closed Block segment consists of individual disability, group and individual long-term care, and other insurance products no longer actively marketed. The Corporate segment refers to investment income on corporate assets and other corporate income and expenses not allocated to a line of business. The company was founded in 1848 and is headquartered in Chattanooga, TN.Show more

Revenue $12.89B +4.0%
Combined Ratio 9.15% -3.9%
Net Income $1.78B +38.6%
Return on Equity 17.26% +23.6%
Medical Cost Ratio 0%
Operating Margin 90.85% +0.4%
Net Margin 13.81% +33.2%
ROA 4.51% +101.2%
Equity / Assets 70.03% +359.0%
Book Value per Share 58.47 +19.7%
Tangible BV/Share 41.15 +24.6%
Debt/Equity 0.34 -4.0%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓19 consecutive years of dividend growth
✓Good 3Y average ROE of 15.1%
✓Share count reduced 5.1% through buybacks
✓Trading at only 0.4x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

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Growth Metrics

Revenue CAGR

10Y2.05%

5Y1.44%

3Y2.37%

TTM1.93%

Profit (Net Income) CAGR

10Y16.03%

5Y10.09%

3Y29.24%

TTM-48.15%

EPS CAGR

10Y19.71%

5Y12.61%

3Y25.6%

TTM-44.48%

ROCE

10Y Avg9.74%

5Y Avg14.39%

3Y Avg17.46%

Latest29.89%

Peer Comparison

Group Benefits & Employee Solutions

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
UNMAUnum Group 6.250% JR NT58	5.34B	23.63	2.49	4.05%	6.99%	8.37%	25.97%	0.34

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Revenue+	10.73B	11.05B	11.29B	11.6B	12B	13.16B	12.01B	11.97B	12.39B	12.89B
Revenue Growth %	0.02%	0.03%	0.02%	0.03%	0.03%	0.1%	-0.09%	-0%	0.04%	0.04%
Medical Costs & Claims+	342.1M	0	0	0	0	0	212.8M	473.5M	0	0
Medical Cost Ratio %	-	-	-	-	-	-	-	-	-	-
Gross Profit+	10.39B	11.05B	11.29B	11.6B	12B	13.16B	11.8B	11.49B	12.39B	12.89B
Gross Margin %	-	-	-	-	-	-	-	-	-	-
Gross Profit Growth %	-0%	0.06%	0.02%	0.03%	0.03%	0.1%	-0.1%	-0.03%	0.08%	0.04%
Operating Expenses+	9.34B	2.59B	2.67B	2.78B	927.7M	1B	3.07B	2.96B	1.18B	1.18B
OpEx / Revenue %	-	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	-1.39B	101.7M	103.4M	101.4M	0	0	119.8M	110.5M	0	0
Combined Ratio %	-	-	-	-	-	-	-	-	-	-
Operating Income+	1.39B	1.51B	1.56B	795.1M	11.07B	12.16B	1.54B	1.94B	11.21B	11.71B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.96%	0.09%	0.03%	-0.49%	12.92%	0.1%	-0.87%	0.26%	4.77%	0.04%
EBITDA+	0	1.62B	1.67B	896.5M	11.07B	12.16B	1.66B	2.05B	11.21B	11.71B
EBITDA Margin %	-	-	-	-	-	-	-	-	-	-
Interest Expense	152.8M	166M	159.9M	167.3M	177.4M	188.2M	185M	188.5M	194.8M	201.1M
Non-Operating Income	8.51B	8.69B	8.87B	9.92B	11.07B	12.16B	93.3M	76.4M	11.21B	11.71B
Pretax Income+	1.24B	1.35B	1.4B	627.8M	1.38B	964M	1.06B	1.75B	1.64B	2.25B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	371.2M	416.3M	409.8M	104.4M	281.8M	171M	238.8M	342.8M	356.3M	472.2M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	867.1M	931.4M	994.2M	523.4M	1.1B	793M	824.2M	1.41B	1.28B	1.78B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	1.16%	0.07%	0.07%	-0.47%	1.1%	-0.28%	0.04%	0.71%	-0.09%	0.39%
EPS (Diluted)+	3.50	3.95	4.37	2.38	5.24	3.89	4.79	6.96	6.50	9.49
EPS Growth %	1.23%	0.13%	0.11%	-0.46%	1.2%	-0.26%	0.23%	0.45%	-0.07%	0.46%
EPS (Basic)	3.50	3.96	4.39	2.38	5.25	3.89	4.80	7.01	6.53	9.49
Diluted Shares Outstanding	247.85M	235.98M	227.34M	220.06M	209.85M	203.76M	204.85M	202.11M	197.6M	187.47M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Assets+	60.56B	58.7B	60.22B	57.95B	63.58B	60.68B	59.53B	51.32B	63.26B	15.65B
Asset Growth %	-0.03%	-0.03%	0.03%	-0.04%	0.1%	-0.05%	-0.02%	-0.14%	0.23%	-0.75%
Total Investment Assets+	-160.1M	630.3M	635.1M	673.7M	721.1M	825.6M	1.17B	1.41B	4.09B	1.4B
Long-Term Investments	-160.1M	630.3M	635.1M	673.7M	721.1M	825.6M	1.17B	1.41B	1.55B	0
Short-Term Investments	0	0	0	0	0	0	0	0	2.54B	1.4B
Total Current Assets+	112.9M	4.55B	5.24B	4.45B	4.51B	4.77B	4.37B	4.74B	970.9M	1.4B
Cash & Equivalents	112.9M	100.4M	77.4M	94M	84.1M	197M	75M	119.2M	146M	162.8M
Receivables	0	0	0	0	0	0	0	0	0	0
Other Current Assets	0	4.55B	5.24B	4.45B	4.51B	4.77B	4.37B	4.74B	0	0
Goodwill & Intangibles+	2.26B	2.46B	2.55B	2.76B	2.76B	2.71B	2.63B	2.97B	3.13B	3.25B
Goodwill	230.9M	335.1M	338.6M	350.3M	351.7M	353M	352.2M	347.6M	349.9M	349.1M
Intangible Assets	2.03B	2.13B	2.21B	2.41B	2.41B	2.36B	2.28B	2.62B	2.78B	2.9B
PP&E (Net)	523.9M	500.6M	504.8M	546.9M	642.7M	580.9M	511.8M	489.4M	521.1M	0
Other Assets	57.66B	48.94B	50.2B	48.68B	53.59B	50.26B	49.73B	40.74B	43.89B	11.01B
Total Liabilities	2.45B	49.73B	50.65B	49.33B	53.62B	49.81B	48.11B	42.59B	53.6B	4.69B
Total Debt+	2.45B	3B	2.94B	2.97B	3.44B	3.45B	3.52B	3.43B	3.43B	3.74B
Net Debt	2.34B	2.9B	2.86B	2.88B	3.36B	3.25B	3.45B	3.31B	3.28B	3.65B
Long-Term Debt	2.45B	3B	2.74B	2.97B	2.93B	3.35B	3.44B	3.43B	3.43B	3.47B
Short-Term Debt	0	0	199.9M	0	426.3M	25.4M	22.6M	2M	0	274.6M
Total Current Liabilities+	352.4M	-4.43B	-4.28B	-4.51B	-4.1B	-11.45B	-11.51B	-10.01B	0	274.6M
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Deferred Revenue	0	0	0	0	0	0	0	114.9M	0	0
Other Current Liabilities	0	0	0	0	-26.6M	-25.4M	-22.6M	-190.9M	0	0
Deferred Taxes	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K	0	0
Other Liabilities	0	49.39B	50.88B	50.12B	53.25B	55.88B	54.55B	48.76B	50.17B	951.2M
Total Equity+	8.66B	8.97B	9.57B	8.62B	9.96B	10.87B	11.42B	8.73B	9.65B	10.96B
Equity Growth %	0.02%	0.04%	0.07%	-0.1%	0.16%	0.09%	0.05%	-0.23%	0.1%	0.14%
Shareholders Equity	8.66B	8.97B	9.57B	8.62B	9.96B	10.87B	11.42B	8.73B	9.65B	10.96B
Minority Interest	0	0	0	0	0	0	0	0	0	0
Retained Earnings	8B	8.74B	9.54B	9.86B	10.73B	11.27B	11.85B	13.14B	11.43B	12.91B
Common Stock	30.3M	30.4M	30.5M	30.5M	30.6M	30.7M	30.7M	30.8M	19.4M	19.5M
Accumulated OCI	16.1M	-51M	127.5M	-814.2M	37.3M	374.2M	354.1M	-3.45B	-3.31B	-2.52B
Return on Equity (ROE)	0.1%	0.11%	0.11%	0.06%	0.12%	0.08%	0.07%	0.14%	0.14%	0.17%
Return on Assets (ROA)	0.01%	0.02%	0.02%	0.01%	0.02%	0.01%	0.01%	0.03%	0.02%	0.05%
Equity / Assets	-	-	-	-	-	-	-	-	-	-
Debt / Equity	0.28x	0.33x	0.31x	0.34x	0.35x	0.32x	0.31x	0.39x	0.36x	0.34x
Book Value per Share	34.96	38.00	42.12	39.18	47.49	53.35	55.73	43.22	48.84	58.47
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	1.29B	1.12B	1.16B	1.54B	1.61B	597.5M	1.39B	1.42B	1.2B	1.51B
Operating CF Growth %	0.06%	-0.14%	0.04%	0.32%	0.05%	-0.63%	1.32%	0.02%	-0.15%	0.26%
Operating CF / Revenue %	-	-	-	-	-	-	-	-	-	-
Net Income	867.1M	931.4M	994.2M	523.4M	1.1B	793M	981M	1.41B	1.28B	1.78B
Depreciation & Amortization	99.5M	101.7M	103.4M	101.4M	110.1M	0	119.8M	110.5M	108.8M	116.1M
Stock-Based Compensation	23.8M	21.9M	29.5M	26.3M	26.6M	0	35.4M	52.7M	64.1M	0
Deferred Taxes	0	0	0	0	0	0	0	0	0	0
Other Non-Cash Items	45.9M	-8.5M	-33.6M	31.2M	88.4M	-2.29B	-402.7M	-247.9M	-317.8M	-62.2M
Working Capital Changes	255.8M	294.9M	306.9M	1.08B	281.2M	2.1B	654M	96.2M	63.9M	-319.8M
Cash from Investing+	-713M	-710M	-499.3M	-930.1M	-1.39B	-267.7M	-1.34B	-955.9M	-725.9M	-344.4M
Capital Expenditures	-100.2M	-85M	-105.3M	-144.1M	-150.9M	-119.1M	-110.3M	-102.2M	-134.8M	-125.7M
Acquisitions	-54.3M	-129.2M	0	-145.4M	0	0	0	0	0	0
Purchase of Investments	-4.54B	-3.94B	-3.64B	-4.48B	0	-3.74B	0	0	-3.49B	-3.16B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	0	1000K	0	0	1000K	1000K
Other Investing	-558.5M	-9.4M	-9.8M	-268.1M	-1.24B	314.5M	-1.23B	-853.7M	-98.3M	1.73B
Cash from Financing+	-568.7M	-418.6M	-687.8M	-589.8M	-223M	-216.9M	-168.9M	-418.6M	-450.1M	-1.15B
Dividends Paid	-174.2M	-182.6M	-196M	-215.6M	-229.2M	-231.9M	-239.4M	-254.2M	-277.1M	-296.5M
Share Repurchases	-417.9M	-405.2M	-401.8M	-356.2M	-400.3M	0	-50M	-200.1M	-250.1M	-972.9M
Stock Issued	6.4M	8.5M	10.8M	4.6M	0	4.4M	0	0	5.2M	6M
Debt Issuance (Net)	1000K	1000K	-1000K	1000K	1000K	1000K	1000K	-1000K	0	1000K
Other Financing	-21.7M	-34.4M	-37.3M	-48.7M	57.7M	-3.5M	32.4M	50.5M	71.9M	69.8M
Net Change in Cash+	10.4M	-12.5M	-23M	16.6M	-9.9M	112.9M	-122M	44.2M	26.8M	16.8M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	102.5M	112.9M	100.4M	77.4M	94M	84.1M	197M	75M	119.2M	146M
Cash at End	112.9M	100.4M	77.4M	94M	84.1M	197M	75M	119.2M	146M	162.8M
Free Cash Flow+	1.19B	1.03B	1.06B	1.39B	1.46B	478.4M	1.28B	1.32B	1.07B	1.39B
FCF Growth %	0.07%	-0.13%	0.03%	0.32%	0.05%	-0.67%	1.67%	0.03%	-0.19%	0.3%
FCF Margin %	-	-	-	-	-	-	-	-	-	-
FCF per Share	4.81	4.37	4.66	6.33	6.94	2.35	6.23	6.51	5.4	7.4

Key Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Combined Ratio	90.22%	23.46%	23.63%	23.99%	7.73%	7.61%	27.36%	28.66%	9.52%	9.15%
Medical Cost Ratio	3.19%	0%	0%	0%	0%	0%	1.77%	3.96%	0%	0%
Return on Equity (ROE)	10.09%	10.56%	10.72%	5.75%	11.84%	7.61%	7.4%	13.97%	13.96%	17.26%
Return on Assets (ROA)	1.41%	1.56%	1.67%	0.89%	1.81%	1.28%	1.37%	2.54%	2.24%	4.51%
Equity / Assets	14.31%	15.28%	15.9%	14.88%	15.67%	17.91%	19.18%	17.02%	15.26%	70.03%
Book Value / Share	34.96	38	42.12	39.18	47.49	53.35	55.73	43.22	48.84	58.47
Debt / Equity	0.28x	0.33x	0.31x	0.34x	0.35x	0.32x	0.31x	0.39x	0.36x	0.34x
Revenue Growth	1.96%	2.94%	2.18%	2.76%	3.45%	9.69%	-8.72%	-0.4%	3.52%	4.05%

Revenue by Segment

	2016	2018	2019	2020	2021	2022	2023	2024
Unum US	-	-	-	-	-	7.13B	7.44B	7.75B
Unum US Growth	-	-	-	-	-	-	4.33%	4.19%
Closed Block	-	-	-	-	-	2.07B	2.03B	2.08B
Closed Block Growth	-	-	-	-	-	-	-1.86%	2.31%
Colonial Life	-	-	-	-	-	1.86B	1.88B	1.95B
Colonial Life Growth	-	-	-	-	-	-	1.35%	3.65%
Unum International	-	-	-	-	-	889.8M	964M	1.08B
Unum International Growth	-	-	-	-	-	-	8.34%	12.02%
Corporate and Other	23.4M	32.2M	23.6M	10.9M	34.1M	57.3M	103.1M	-
Corporate and Other Growth	-	37.61%	-26.71%	-53.81%	212.84%	68.04%	79.93%	-

Frequently Asked Questions

Valuation & Price

Unum Group 6.250% JR NT58 (UNMA) has a price-to-earnings (P/E) ratio of 2.5x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Unum Group 6.250% JR NT58 (UNMA) grew revenue by 4.0% over the past year. Growth has been modest.

Yes, Unum Group 6.250% JR NT58 (UNMA) is profitable, generating $913.1M in net income for fiscal year 2024 (13.8% net margin).

Dividend & Returns

Yes, Unum Group 6.250% JR NT58 (UNMA) pays a dividend with a yield of 6.69%. This makes it attractive for income-focused investors.

Unum Group 6.250% JR NT58 (UNMA) has a return on equity (ROE) of 17.3%. This is reasonable for most industries.

Industry Metrics

Unum Group 6.250% JR NT58 (UNMA) has a combined ratio of 0.0%. A ratio below 100% indicates underwriting profitability.

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