Provides group long-term and short-term disability insurance. Offers group life and accidental death and dismemberment products. Now — the numbers.
That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.
This is an established company with proven profits.
The market pays 20.1× for every dollar of annual profit — around what a business like this usually costs.
Against companies in its own sector, it looks cheaper than 70% of them.
Analysts' average target sits 8% above today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly below the class average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly above the class average — a step short of the very top.
Clearly below the class average.
The stock has been running stronger than the market lately.
Growth: Sales growth trails the sector average.
Business Quality: Profit power and business quality trail similar companies in the sector.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
It pays out $1.89 per share each year — regular cash for whoever holds the stock.
Over the last 4 years, sales grew only 2% a year on average. At this size, speeding back up is not easy.
The growth engine is running at low revs right now. Report-card grade: 19/100.
Measured against its sector, the quality of the business sits below the class average. Report-card grade: 45/100.
On our five-subject report card, UNM sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.
The takeaway: UNM is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.