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UNUM GROUP - UNM - Isin US91529Y1064

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UNUM GROUP - UNM - Isin US91529Y1064

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Unum Group, together with its subsidiaries, provides financial protection benefit solutions primarily in the United States, the United Kingdom, and Poland.

It operates through Unum US, Unum International, Colonial Life, and Closed Block segments.

The company offers group long-term and short-term disability, group life, and accidental death and dismemberment products; supplemental and voluntary products, such as individual disability, voluntary benefits, 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 products. The company sells its products primarily to employers for the benefit of employees.

Unum Group sells its products through field sales personnel, independent brokers, consultants, and independent contractor agency sales force. The company was founded in 1848 and is based in Chattanooga, Tennessee.
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Re: UNUM GROUP - UNM - Isin US91529Y1064

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Shares of Unum Group UNM have gained 45.7% in a year against the industry's decline of 9.3%. The Zacks S&P 500 composite decreased 9.1% in the said time frame. With a market capitalization of $7.8 billion, the average volume of shares traded in the last three months was 1.8 million.

The rally was largely driven by strong persistency in group lines, higher premium income, growth in the in-force block and higher sales.

This Zacks Rank #1 (Strong Buy) insurer has a solid track record of beating earnings estimates in five of the last seven quarters.

UNM has a favorable VGM Score of B. VGM Score helps to identify stocks with the most attractive value, the best growth and the most promising momentum.

The Zacks Consensus Estimate for Unum Group’s 2022 earnings is pegged at $5.94, indicating a 36.5% increase from the year-ago reported figure on 1% higher revenues of $12.1 billion. The consensus estimate for 2023 earnings is pegged at $6.06, indicating a 2% increase from the year-ago reported figure on 2.6% higher revenues of $12.4 billion.

The expected long-term earnings growth rate is 12.5%, which is higher than the industry average of 8.7%.

The Unum U.S. segment of the insurer stands to gain from strong persistency in group lines, favorable benefits experience, primarily in group product lines, higher premium income, lower operating expenses and higher net investment income.

Improving premium income, favorable risk results, higher sales and higher level of persistency should continue to drive the Colonial Life segment. Management remains focused on moving to a mix of businesses with higher growth and stable margins.

The Unum International segment remains well poised for growth on higher net investment income, premium income, favorable benefits experience and improved benefit ratio.

The primary driver of the international segment’s results is the Unum UK business, which continued to improve with strong persistency, good sales and the successful placement of rate increases on the in-force block. Sales in Unum UK and Unum Poland continued to remain strong.

Unum Group boasts a solid capital position. Sustained solid operating results have been fueling a solid level of statutory earnings and capital, cushioning financial flexibility. The risk-based capital ratio for Unum’s traditional U.S. insurance companies was 415% as of Jun 30, 2022, and holding company cash and marketable securities was $1.2 billion, both above targeted levels.

Banking on operational excellence, the board approved a quarterly dividend hike of 10% in May 2022, marking the 13th dividend hike in the last 12 years. The dividend yield is currently 3.4%, better than the industry average of 2.5%. This makes the stock an attractive pick for yield-seeking investors. Unum expects $200 million worth of shares buyback annually through 2024.

The Zacks Consensus Estimate for 2022 and 2023 has moved 1.5% and 0.7% north, respectively, in the past seven days, reflecting analysts’ optimism.

https://uk.finance.yahoo.com/news/unum- ... 03476.html
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Re: UNUM GROUP - UNM - Isin US91529Y1064

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Derek Lewis
Tue, 30 August 2022

Unum Group

Unum Group UNM provides disability insurance, long-term care insurance, life insurance, and employee-paid group benefits and related services.

UNM’s bottom-line growth projections are fantastic – for the company’s current fiscal year (FY22), the Zacks Consensus EPS Estimate resides at $6.03, reflecting a double-digit 40% Y/Y uptick. And in FY23, UNM’s bottom-line looks to add an additional 2% of growth.

In addition, UNM carries a 6.3X forward earnings multiple, representing a steep 57% discount relative to its Zacks Finance Sector.

Unum Group possesses a Style Score of an A for Value.

For investors seeking an income stream, UNM’s got that covered; the company’s annual dividend yields a rock-solid 3.4%, and UNM has increased its dividend payout four times over the last five years.

Further, the yield is much higher than its Zacks Finance Sector average.

UNM sports a Zacks Rank #1 (Strong Buy) with an overall VGM Score of a B.
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Re: UNUM GROUP - UNM - Isin US91529Y1064

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Unum (UNM) Up 5.3% Since Last Earnings Report: Can It Continue?

A month has gone by since the last earnings report for Unum (UNM). Shares have added about 5.3% in that time frame, outperforming the S&P 500.

Will the recent positive trend continue leading up to its next earnings release, or is Unum due for a pullback? Before we dive into how investors and analysts have reacted as of late, let's take a quick look at the most recent earnings report in order to get a better handle on the important catalysts.

Unum Group Q2 Earnings & Revenues Top, Guidance Raised

Unum Group’s second-quarter 2022 operating net income of $1.91 per share beat the Zacks Consensus Estimate by 55.3% and our estimate of $1.22. The bottom line increased about 37.4% year over year. The quarterly results reflected an improvement in COVID-related mortality impacts, strong operating performance, and favorable sales and premium trends in core business segments.
Operational Update

Total operating revenues of Unum Group were $3.1 billion, up 2% year over year due to higher premium income and other income. The top line beat the Zacks Consensus Estimate by 1.8% and was almost in line with our estimate. Premium increased 1.8% from the prior-year quarter to $2.4 billion and was in line with our estimate as well as the Zacks Consensus estimate.

Total benefits and expenses decreased 4.9% year over year to $2.6 billion, largely attributable to lower benefits and change in reserves for future benefits.
Quarterly Segment Update

Unum U.S.: Premium income was $1.6 billion, up 3.3% year over year. The figure was almost in line with our estimate as well as the Zack Consensus Estimate. Adjusted operating income was up 64.8% year over year to $295.4 million, attributable to higher income in the group disability line, group life and accidental death and dismemberment line as well as a supplemental and voluntary line of business.

Unum International: Premium income of $179.4 million increased 2.2% year over year. This compares unfavorably with our estimate of $198 million and the Zacks Consensus Estimate of $183 million. Adjusted operating income was $24.9 million, up 0.4% year over year.

The Unum U.K. line of business’ premium income was £125 million, up 8.6% from the year-ago quarter due to in-force block growth. Adjusted operating income, in local currency, of £19.3 million was up 14.9% from a year ago.

The benefit ratio was 89.7, which improved 720 basis points (bps) due to higher inflation-linked experience in benefits, lower claim terminations in the group long-term disability product line, and higher claim incidence in the group critical illness product line.

Persistency increased in group long-term disability, group life business and supplemental line of business.

Colonial Life: Premium income increased 1.9% from the prior-year figure to $427.6 million on account of higher sales in prior periods and higher overall persistency. The figure was almost in line with our estimate as well as the Zack Consensus Estimate. Sales increased 6.4% from the year-ago figure to $118.2million. Adjusted operating income increased 5.5% from the prior-year period to $101.1 million.

Persistency was 78.6%, which improved 30 bps year over year. The benefit ratio improved 410 bps year over year to 47.6 driven by favorable claim experience across all products.

Closed Block: Premium income decreased 4.5 % year over year to $238 million due to policy terminations and maturities, partially offset by rate increases. This compares unfavorably with our estimate of $245 million. Adjusted operating income was $79.3 million, which decreased 28.7% year over year.

Corporate: The segment incurred an operating loss of $36.9 million, narrower than a loss of $48.5 million in the year-earlier quarter.

Capital Management

As of Jun 30, 2022, the weighted average risk-based capital ratio for Unum Group’s traditional U.S. insurance companies was approximately 415%. Unum Group exited the quarter with liquidity worth $1.2 billion. Book value per share was down 9.5% year over year to $48.47 as of Mar 31, 2022.
Ups Guidance

Unum Group expects positive operating trends in core business in 2022, with solid premium growth and improving claim experience as impacts from COVID-19 lessen. Unum Group projects an increase in after-tax adjusted operating income per share of 40% to 45% year over year, up from an increase of 15% to 20%, guided earlier. The improved expectation reflects the insurer's strong first-half performance and an improved guidance for the remainder of 2022.

https://uk.finance.yahoo.com/news/unum- ... 03334.html
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Re: UNUM GROUP - UNM - Isin US91529Y1064

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This is Why Unum (UNM) is a Great Dividend Stock

Getting big returns from financial portfolios, whether through stocks, bonds, ETFs, other securities, or a combination of all, is an investor's dream. However, when you're an income investor, your primary focus is generating consistent cash flow from each of your liquid investments.

While cash flow can come from bond interest or interest from other types of investments, income investors hone in on dividends. A dividend is that coveted distribution of a company's earnings paid out to shareholders, and investors often view it by its dividend yield, a metric that measures the dividend as a percent of the current stock price. Many academic studies show that dividends make up large portions of long-term returns, and in many cases, dividend contributions surpass one-third of total returns.

Unum in Focus

Unum (UNM) is headquartered in Chattanooga, and is in the Finance sector. The stock has seen a price change of 53.15% since the start of the year. The insurance company is currently shelling out a dividend of $0.33 per share, with a dividend yield of 3.51%. This compares to the Insurance - Accident and Health industry's yield of 1.63% and the S&P 500's yield of 1.69%.

In terms of dividend growth, the company's current annualized dividend of $1.32 is up 12.8% from last year. In the past five-year period, Unum has increased its dividend 4 times on a year-over-year basis for an average annual increase of 6.18%. Any future dividend growth will depend on both earnings growth and the company's payout ratio; a payout ratio is the proportion of a firm's annual earnings per share that it pays out as a dividend. Unum's current payout ratio is 23%, meaning it paid out 23% of its trailing 12-month EPS as dividend.

Earnings growth looks solid for UNM for this fiscal year. The Zacks Consensus Estimate for 2022 is $6.03 per share, with earnings expected to increase 38.62% from the year ago period.

Bottom Line

Investors like dividends for many reasons; they greatly improve stock investing profits, decrease overall portfolio risk, and carry tax advantages, among others. But, not every company offers a quarterly payout.

High-growth firms or tech start-ups, for example, rarely provide their shareholders a dividend, while larger, more established companies that have more secure profits are often seen as the best dividend options. Income investors must be conscious of the fact that high-yielding stocks tend to struggle during periods of rising interest rates. That said, they can take comfort from the fact that UNM is not only an attractive dividend play, but is also a compelling investment opportunity with a Zacks Rank of #1 (Strong Buy).

https://uk.finance.yahoo.com/news/why-u ... 03603.html
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Re: UNUM GROUP - UNM - Isin US91529Y1064

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Should Value Investors Buy Unum Group (UNM) Stock?

While the proven Zacks Rank places an emphasis on earnings estimates and estimate revisions to find strong stocks, we also know that investors tend to develop their own individual strategies. With this in mind, we are always looking at value, growth, and momentum trends to discover great companies.

Of these, value investing is easily one of the most popular ways to find great stocks in any market environment. Value investors use tried-and-true metrics and fundamental analysis to find companies that they believe are undervalued at their current share price levels.

Luckily, Zacks has developed its own Style Scores system in an effort to find stocks with specific traits. Value investors will be interested in the system's "Value" category. Stocks with both "A" grades in the Value category and high Zacks Ranks are among the strongest value stocks on the market right now.

One stock to keep an eye on is Unum Group (UNM). UNM is currently sporting a Zacks Rank of #1 (Strong Buy), as well as an A grade for Value. The stock holds a P/E ratio of 6.25, while its industry has an average P/E of 10.66. UNM's Forward P/E has been as high as 7.36 and as low as 4.46, with a median of 5.86, all within the past year.

Investors should also note that UNM holds a PEG ratio of 0.50. This popular figure is similar to the widely-used P/E ratio, but the PEG ratio also considers a company's expected EPS growth rate. UNM's PEG compares to its industry's average PEG of 1.44. Within the past year, UNM's PEG has been as high as 1.12 and as low as 0.48, with a median of 0.57.

Investors should also recognize that UNM has a P/B ratio of 0.79. Investors use the P/B ratio to look at a stock's market value versus its book value, which is defined as total assets minus total liabilities. This company's current P/B looks solid when compared to its industry's average P/B of 1.29. Over the past year, UNM's P/B has been as high as 0.83 and as low as 0.41, with a median of 0.52.

Value investors also use the P/S ratio. The P/S ratio is is calculated as price divided by sales. This is a popular metric because sales are harder to manipulate on an income statement, so they are often considered a better performance indicator. UNM has a P/S ratio of 0.64. This compares to its industry's average P/S of 1.71.

Finally, we should also recognize that UNM has a P/CF ratio of 5.66. This data point considers a firm's operating cash flow and is frequently used to find companies that are undervalued when considering their solid cash outlook. This company's current P/CF looks solid when compared to its industry's average P/CF of 6.46. UNM's P/CF has been as high as 6.63 and as low as 4.67, with a median of 5.77, all within the past year.

These figures are just a handful of the metrics value investors tend to look at, but they help show that Unum Group is likely being undervalued right now. Considering this, as well as the strength of its earnings outlook, UNM feels like a great value stock at the moment.

https://uk.finance.yahoo.com/news/value ... 01236.html
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Re: UNUM GROUP - UNM - Isin US91529Y1064

Bericht door nobody »

Why Unum (UNM) is a Great Dividend Stock Right Now

Unum in Focus

Based in Chattanooga, Unum (UNM) is in the Finance sector, and so far this year, shares have seen a price change of 80.83%. The insurance company is paying out a dividend of $0.33 per share at the moment, with a dividend yield of 2.97% compared to the Insurance - Accident and Health industry's yield of 2.37% and the S&P 500's yield of 1.71%.

Taking a look at the company's dividend growth, its current annualized dividend of $1.32 is up 12.8% from last year. Unum has increased its dividend 4 times on a year-over-year basis over the last 5 years for an average annual increase of 6.28%. Any future dividend growth will depend on both earnings growth and the company's payout ratio; a payout ratio is the proportion of a firm's annual earnings per share that it pays out as a dividend. Right now, Unum's payout ratio is 23%, which means it paid out 23% of its trailing 12-month EPS as dividend.

Looking at this fiscal year, UNM expects solid earnings growth. The Zacks Consensus Estimate for 2022 is $6.13 per share, representing a year-over-year earnings growth rate of 40.92%.

Bottom Line

From greatly improving stock investing profits and reducing overall portfolio risk to providing tax advantages, investors like dividends for a variety of different reasons. But, not every company offers a quarterly payout.

High-growth firms or tech start-ups, for example, rarely provide their shareholders a dividend, while larger, more established companies that have more secure profits are often seen as the best dividend options. During periods of rising interest rates, income investors must be mindful that high-yielding stocks tend to struggle. With that in mind, UNM is a compelling investment opportunity. Not only is it a strong dividend play, but the stock currently sits at a Zacks Rank of 3 (Hold).

https://uk.finance.yahoo.com/news/why-u ... 03809.html
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Re: UNUM GROUP - UNM - Isin US91529Y1064

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Unum (UNM) Down 6.1% Since Last Earnings Report: Can It Rebound?

A month has gone by since the last earnings report for Unum (UNM). Shares have lost about 6.1% in that time frame, underperforming the S&P 500.

Will the recent negative trend continue leading up to its next earnings release, or is Unum due for a breakout? Before we dive into how investors and analysts have reacted as of late, let's take a quick look at the most recent earnings report in order to get a better handle on the important drivers.

Unum Group Q3 Earnings Top, Revenues Lag Estimates

Unum Group’s third-quarter 2022 operating net income of $1.51 per share beat the Zacks Consensus Estimate by 7.9% and our estimate of $1.41. The bottom line increased about 46.6% year over year.

The quarterly results reflected continued strong operating performance, core business premium trends nearing long-term growth expectations, improved core operations sales, premium growth and continued favorable benefits experience.

Operational Update

Total operating revenues of Unum Group were $3 billion, flat year over year as higher premium income and other income were offset by lower net investment income. The top line missed the Zacks Consensus Estimate by 0.7% and was almost in line with our estimate.

Premium increased 1.6% from the prior-year quarter to $2.4 billion and was in line with our estimate. Total benefits and expenses decreased 4.4% year over year to $2.4 billion, largely attributable to lower benefits and changes in reserves for future benefits.

Quarterly Segment Update

Unum U.S.: Premium income was $1.6 billion, up 3.9% year over year. The figure was almost in line with our estimate. Adjusted operating income was up more than threefold year over year to $275 million, attributable to higher income in the group disability line as well as group life and accidental death and dismemberment line.

Unum International: Premium income of $173.3 million decreased 4.6% year over year. This compares unfavorably with our estimate of $193 million. Adjusted operating income was $29.9 million, up 9.1% year over year. The Unum U.K. line of business’ premium income was £129.4 million, up 12.1% from the year-ago quarter due to in-force block growth and higher sales in the group life product line. Adjusted operating income, in local currency, of £23.6 million was up 28.3% from a year ago.

The benefit ratio was 78.6, which improved 60 basis points (bps) primarily due to inflation-linked experience for its group life and group long-term disability products, partially offset by higher claim incidence in its supplemental product line. Persistency increased in group long-term disability, group life business and supplemental line of business.

Colonial Life: Premium income increased 0.6% from the prior-year figure to $423.3 million on account of higher sales in prior periods, partially offset by lower overall persistency. The figure compared unfavorably with our estimate of $428.4 million.

Sales increased 3.2% from the year-ago figure to $115.9 million. Adjusted operating income increased 12.9% from the prior-year period to $90.4 million.

Persistency was 78.3%, which improved 60 bps year over year.

The benefit ratio improved 910 bps year over year to 46.8, driven by favorable claim experience across all products.

Closed Block: Premium income decreased 6% year over year to $235.5 million due to policy terminations and maturities, partially offset by rate increases. This compares unfavorably with our estimate of $247.3 million. Adjusted operating income was $34.1 million, which decreased 68.9% year over year.

Corporate: The segment incurred an operating loss of $49.5 million, wider than a loss of $45.4 million in the year-earlier quarter.

Capital Management

As of Sep 30, 2022, the weighted average risk-based capital ratio for Unum Group’s traditional U.S. insurance companies was approximately 415%.
Unum Group exited the quarter with liquidity worth $1.1 billion.

Book value per share was down 20% year over year to $43.49 as of Sep 30, 2022.
Unum Group bought back 1.2 shares for $$42.6 million, taking the year-to-date tally to 4.2 shares bought for $137.5 million.

Guidance Retained

Unum Group expects positive operating trends in core business in 2022, with solid premium growth and improving claim experience as impacts from COVID-19 lessen. Unum Group projects an increase in after-tax adjusted operating income per share of 40% to 45%.

How Have Estimates Been Moving Since Then?

In the past month, investors have witnessed an upward trend in estimates review.

VGM Scores

At this time, Unum has a subpar Growth Score of D, however its Momentum Score is doing a bit better with a C. However, the stock was allocated a grade of A on the value side, putting it in the top quintile for this investment strategy.

Overall, the stock has an aggregate VGM Score of B. If you aren't focused on one strategy, this score is the one you should be interested in.

Outlook

Estimates have been broadly trending upward for the stock, and the magnitude of these revisions looks promising. It comes with little surprise Unum has a Zacks Rank #2 (Buy). We expect an above average return from the stock in the next few months.

Performance of an Industry Player

Unum belongs to the Zacks Insurance - Accident and Health industry. Another stock from the same industry, Amerisafe (AMSF), has gained 5.5% over the past month. More than a month has passed since the company reported results for the quarter ended September 2022.

Amerisafe reported revenues of $74.88 million in the last reported quarter, representing a year-over-year change of +1.4%. EPS of $0.73 for the same period compares with $1.02 a year ago.

https://finance.yahoo.com/news/unum-unm ... 04279.html
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Re: UNUM GROUP - UNM - Isin US91529Y1064

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Unum Group's board of directors authorizes $200 million share repurchase program for 2023

CHATTANOOGA, Tenn., Dec. 1, 2022 /PRNewswire/ -- Unum Group (NYSE: UNM) announced today that its board of directors has approved a share repurchase program authorizing the company to repurchase up to $200 million of its common stock from time to time from January 1, 2023 through December 31, 2023.

This program follows the company's current share repurchase program, which expires on December 31, 2022.

The timing and amount of share repurchases will be determined by management based on its evaluation of market conditions and other considerations.

Repurchases may be made in open market transactions at prevailing prices, in privately negotiated transactions (including accelerated share repurchase programs), pursuant to preset trading plans meeting the requirements of Rule 10b5-1 under the Securities Exchange Act of 1934, or by other means in accordance with federal securities laws.

The program may be suspended, modified, or terminated by the board at any time

https://www.streetinsider.com/PRNewswir ... 22990.html
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Re: UNUM GROUP - UNM - Isin US91529Y1064

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Unum Builds Workforce, Hiring More than 200 Positions

CHATTANOOGA, Tenn., Dec. 8, 2022 /PRNewswire/ -- As businesses continue to be affected by layoffs and turnover, Unum is hiring across all departments and levels in its national and international offices.

The leader in workplace benefits employs 10,500 people across four countries – U.S., U.K, Ireland, and Poland. In the U.S., Unum has more than 200 open positions in 12 different departments, including customer service, claims, digital transformation, sales, finance, operations, and people and communications.

Many of the openings are entry level, and for one key reason. Unum nurtures a culture of career growth and advancement, with a focus on internal promotions.

"We focus on our employees so they can focus on our customers," said Kimberly Bowen, senior vice president, Global Talent & Inclusion at Unum. "Our comprehensive benefits package, career growth opportunities, culture of connection, and dedication to inclusion and diversity help our employees' thrive professionally and personally."

Unum's competitive and comprehensive benefits package includes:

Medical, dental, vision, life, and disability insurance

Student debt relief and tuition reimbursement

Emergency savings plan

Eight weeks paid parental leave and $25,000 in fertility or adoption assistance

Performance-based incentive bonus

Paid volunteer opportunities

401(k) contribution with up to 9.5% employer match

Robust wellness and mental health programs

https://finance.yahoo.com/news/unum-bui ... 00696.html
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