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Upturn AI SWOT - About
UNM 
Unum Group (UNM)
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Upturn Advisory Summary
10/15/2025: UNM (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
12 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $93.36
1 Year Target Price $93.36
| 4 | Strong Buy |
| 4 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 23.87% | Avg. Invested days 57 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 12.85B USD | Price to earnings Ratio 9.05 | 1Y Target Price 93.36 |
Price to earnings Ratio 9.05 | 1Y Target Price 93.36 | ||
Volume (30-day avg) 12 | Beta 0.36 | 52 Weeks Range 60.36 - 83.55 | Updated Date 10/17/2025 |
52 Weeks Range 60.36 - 83.55 | Updated Date 10/17/2025 | ||
Dividends yield (FY) 2.33% | Basic EPS (TTM) 8.34 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 11.77% | Operating Margin (TTM) 13.95% |
Management Effectiveness
Return on Assets (TTM) 2.14% | Return on Equity (TTM) 13.95% |
Valuation
Trailing PE 9.05 | Forward PE 8.49 | Enterprise Value 15935720664 | Price to Sales(TTM) 1 |
Enterprise Value 15935720664 | Price to Sales(TTM) 1 | ||
Enterprise Value to Revenue 1.24 | Enterprise Value to EBITDA - | Shares Outstanding 170313240 | Shares Floating 154990158 |
Shares Outstanding 170313240 | Shares Floating 154990158 | ||
Percent Insiders 0.93 | Percent Institutions 91.74 |
Upturn AI SWOT
Unum Group
Company Overview
History and Background
Unum Group was formed in 1999 from the merger of Unum Corporation and Provident Companies, Inc. Unum traces its roots back to 1848 with the founding of Union Mutual Life Insurance Company. Provident began in 1887 as Provident Life and Accident Insurance Company. The merger created a leading provider of financial protection benefits in the U.S. and the U.K.
Core Business Areas
- Unum US: Provides group disability, life, accident, critical illness, and cancer insurance products in the U.S.
- Unum UK: Offers group income protection, life, and critical illness products in the U.K.
- Colonial Life: Sells individual and employer-paid supplemental health and life insurance products in the U.S.
- Closed Block: Consists of products no longer actively marketed, primarily individual disability and long-term care insurance.
Leadership and Structure
Richard McKenney is the President and CEO of Unum Group. The company has a Board of Directors and operates with a functional organizational structure, including key departments like Finance, Actuarial, Human Resources, and Technology.
Top Products and Market Share
Key Offerings
- Group Disability Insurance (US & UK): Provides income replacement to employees who are unable to work due to illness or injury. Unum is a leading provider in this market. Competitors include MetLife, The Hartford, and Principal Financial Group. Revenue is significant to their overall income.
- Group Life Insurance (US & UK): Offers financial protection to beneficiaries in the event of an employee's death. Competitors include Prudential, MetLife, and New York Life.
- Supplemental Health Insurance (Colonial Life): Provides coverage for expenses not typically covered by major medical insurance, such as deductibles, co-pays, and out-of-pocket expenses related to accidents, illness, or hospitalization. Competitors include Aflac and Cigna.
Market Dynamics
Industry Overview
The insurance industry is highly competitive and subject to regulatory oversight. Trends include increased demand for voluntary benefits, technological advancements, and evolving customer expectations.
Positioning
Unum Group is a major player in the employee benefits market, particularly in disability insurance. Its competitive advantages include a strong brand reputation, extensive distribution network, and a diverse product portfolio.
Total Addressable Market (TAM)
The TAM for employee benefits is substantial, estimated to be in the hundreds of billions of dollars globally. Unum Group captures a portion of this TAM through its various product lines. The US market segment is larger.
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Extensive distribution network
- Diverse product portfolio
- Experienced management team
- Stable financial performance
Weaknesses
- Exposure to interest rate fluctuations
- Legacy business lines may drag on growth
- Susceptibility to regulatory changes
- Complex organizational structure
- Dependence on broker relationships
Opportunities
- Growing demand for voluntary benefits
- Expansion into new markets
- Development of innovative products
- Leveraging technology to improve efficiency
- Strategic acquisitions
Threats
- Increased competition
- Economic downturns
- Adverse claims experience
- Regulatory changes
- Rising healthcare costs
Competitors and Market Share
Key Competitors
- AFL
- PRU
- HIG
- MET
Competitive Landscape
Unum Group competes with other large insurance companies and specialized benefit providers. Its advantages include its strong brand and diverse product portfolio, while its disadvantages may include its exposure to interest rate fluctuations and regulatory changes.
Major Acquisitions
Starmount Life Insurance Co.
- Year: 2016
- Acquisition Price (USD millions): 165
- Strategic Rationale: Expanded dental and vision product offerings.
Growth Trajectory and Initiatives
Historical Growth: Unum Group has experienced moderate growth over the past years, driven by increased sales and strategic acquisitions.
Future Projections: Future growth is expected to be driven by increased demand for employee benefits and expansion into new markets.
Recent Initiatives: Recent initiatives include investments in technology, product development, and strategic partnerships.
Summary
Unum Group is a major player in the employee benefits market with a strong position in disability insurance. It possesses robust distribution and a diverse product line. However, Unum faces potential challenges from rising competition and regulatory risks. Investment in innovation and technology will be vital for future success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Financial Reports
- Industry Reports
- Market Research Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change. Consult with a financial professional 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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