UNM Valuation

Unum Group

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69.920

+0.58(0.836%)1D

Overview
Forecast
Valuation
Earnings

UNM Relative Valuation

UNM's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, UNM is overvalued; if below, it's undervalued.

Historical Valuation

Unum Group (UNM) is now in the Fair zone, suggesting that its current forward PE ratio of 7.82 is considered Fairly compared with the five-year average of 6.20. The fair price of Unum Group (UNM) is between 57.70 to 75.48 according to relative valuation methord.

Relative Value

Fair Zone

57.70-75.48

Current Price：69.92

Fair

7.82

Trailing

Forward

0.00

EV/EBITDA

Unum Group. (UNM) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.28. The thresholds are as follows: Strongly Undervalued below -1.78, Undervalued between -1.78 and -0.75, Fairly Valued between 1.31 and -0.75, Overvalued between 1.31 and 2.34, and Strongly Overvalued above 2.34. The current Forward EV/EBITDA of 0.00 falls within the Historic Trend Line -Fairly Valued range.

7.41

EV/EBIT

Unum Group. (UNM) has a current EV/EBIT of 7.41. The 5-year average EV/EBIT is 6.61. The thresholds are as follows: Strongly Undervalued below 4.54, Undervalued between 4.54 and 5.57, Fairly Valued between 7.64 and 5.57, Overvalued between 7.64 and 8.68, and Strongly Overvalued above 8.68. The current Forward EV/EBIT of 7.41 falls within the Historic Trend Line -Fairly Valued range.

0.87

Unum Group. (UNM) has a current PS of 0.87. The 5-year average PS is 0.66. The thresholds are as follows: Strongly Undervalued below 0.26, Undervalued between 0.26 and 0.46, Fairly Valued between 0.86 and 0.46, Overvalued between 0.86 and 1.07, and Strongly Overvalued above 1.07. The current Forward PS of 0.87 falls within the Overvalued range.

0.00

P/OCF

Unum Group. (UNM) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

9.07

P/FCF

Unum Group. (UNM) has a current P/FCF of 9.07. The 5-year average P/FCF is 7.06. The thresholds are as follows: Strongly Undervalued below -9.01, Undervalued between -9.01 and -0.98, Fairly Valued between 15.09 and -0.98, Overvalued between 15.09 and 23.13, and Strongly Overvalued above 23.13. The current Forward P/FCF of 9.07 falls within the Historic Trend Line -Fairly Valued range.

Unum Group (UNM) has a current Price-to-Book (P/B) ratio of 1.06. Compared to its 3-year average P/B ratio of 1.03 , the current P/B ratio is approximately 3.46% higher. Relative to its 5-year average P/B ratio of 0.82, the current P/B ratio is about 29.68% higher. Unum Group (UNM) has a Forward Free Cash Flow (FCF) yield of approximately 12.23%. Compared to its 3-year average FCF yield of 12.25%, the current FCF yield is approximately -0.19% lower. Relative to its 5-year average FCF yield of 13.57% , the current FCF yield is about -9.90% lower.

1.06

P/B

Median3y

1.03

Median5y

0.82

12.23

FCF Yield

Median3y

12.25

Median5y

13.57

Competitors Valuation Multiple

The average P/S ratio for UNM's competitors is 1.66, providing a benchmark for relative valuation. Unum Group Corp (UNM) exhibits a P/S ratio of 0.87, which is -47.33% above the industry average. Given its robust revenue growth of 3.96%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

Kinsale Capital Group Inc

Lincoln National Corp

0.40

6.21%

7.95B

Performance Decomposition

Market capitalization of UNM increased by 28.23% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 5.87 to 8.31.

The secondary factor is the Revenue Growth, contributed 3.96%to the performance.

Overall, the performance of UNM in the past 1 year is driven by P/E Change. Which is more unsustainable.

3.96%

3.23B → 3.36B

Revenue Growth

-17.18%

12.05 → 9.98

Margin Expansion

41.45%

5.87 → 8.31

P/E Change

28.23%