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Upturn AI SWOT - About
Unum Group (UNMA)
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Upturn Advisory Summary
10/15/2025: UNMA (1-star) is a SELL. SELL since 2 days. Simulated Profits (2.53%). Updated daily EoD!
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -5.75% | Avg. Invested days 40 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.22B USD | Price to earnings Ratio 4.79 | 1Y Target Price - |
Price to earnings Ratio 4.79 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta - | 52 Weeks Range 22.41 - 24.93 | Updated Date 06/29/2025 |
52 Weeks Range 22.41 - 24.93 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 4.09% | Basic EPS (TTM) - |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin - | Operating Margin (TTM) - |
Management Effectiveness
Return on Assets (TTM) - | Return on Equity (TTM) - |
Valuation
Trailing PE 4.79 | Forward PE - | Enterprise Value - | Price to Sales(TTM) - |
Enterprise Value - | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating - |
Shares Outstanding - | Shares Floating - | ||
Percent Insiders - | Percent Institutions - |
Upturn AI SWOT
Unum Group
Company Overview
History and Background
Unum Group was formed in 1999 through the merger of Unum Corporation and Provident Companies. Unum traces its roots back to 1848 with the founding of Union Mutual Life Insurance Company. It has evolved into a leading provider of financial protection benefits.
Core Business Areas
- Unum US: Offers group disability, life, and accidental death & dismemberment products primarily in the U.S.
- Unum UK: Provides similar group benefits in the United Kingdom.
- Colonial Life: Sells voluntary benefits products directly to employees at the worksite.
- Closed Block: Consists of businesses and products that are no longer actively marketed, including long-term care.
Leadership and Structure
Richard McKenney is the President and CEO. The company operates with a functional organizational structure across its different business segments.
Top Products and Market Share
Key Offerings
- Group Disability Insurance: Provides income replacement for employees unable to work due to illness or injury. Unum is a market leader in this space. Competitors include The Hartford, MetLife, and Principal Financial Group.
- Group Life Insurance: Offers term life and other life insurance products through employers. Competitors include Prudential, New York Life, and MetLife.
- Voluntary Benefits (Colonial Life): Includes a range of supplemental insurance products such as accident, critical illness, and cancer insurance sold directly to employees. Competitors include Aflac and Cigna.
Market Dynamics
Industry Overview
The employee benefits market is driven by factors such as employment rates, healthcare costs, and regulatory changes. Increasing awareness of financial protection needs drives growth. Market conditions fluctuate with macroeconomic shifts.
Positioning
Unum Group is a leading provider of financial protection benefits with a strong market position in group disability and voluntary benefits. Their size and established relationships with employers give them a competitive advantage.
Total Addressable Market (TAM)
The total addressable market for employee benefits is estimated to be in the hundreds of billions of dollars globally. Unum is well-positioned to capture a portion of this TAM through its diverse product offerings and established distribution channels.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Large customer base
- Established distribution network
- Diverse product portfolio
- Strong financial performance
Weaknesses
- Exposure to interest rate risk
- Legacy business challenges (Closed Block)
- Potential for adverse claims experience
- Dependence on employer-sponsored benefits
Opportunities
- Expanding voluntary benefits offerings
- Leveraging technology to improve efficiency
- Geographic expansion
- Partnerships and acquisitions to grow market share
- Increased awareness of income protection needs
Threats
- Economic downturn impacting employment rates
- Increased competition
- Regulatory changes affecting benefits landscape
- Rising healthcare costs
- Adverse claims experience
Competitors and Market Share
Key Competitors
- AFL
- PRU
- MET
Competitive Landscape
Unum Group benefits from its size and established relationships but faces competition from other large insurance companies. Competitive pressures focus on product innovation and customer service.
Major Acquisitions
Starmark
- Year: 1999
- Acquisition Price (USD millions): 0
- Strategic Rationale: Helped extend the company's services to smaller employers and their workers.
Growth Trajectory and Initiatives
Historical Growth: Unum's growth has been driven by expansion in its core product lines and strategic acquisitions.
Future Projections: Analyst estimates depend on specific analyst forecasts. Consensus growth rate should be found for a more accurate projection
Recent Initiatives: Recent initiatives include investments in technology and expanding voluntary benefits offerings.
Summary
Unum Group is a large, stable provider of financial protection benefits, particularly in group disability and voluntary benefits. Its strengths include a strong brand and established distribution. However, it faces challenges from economic volatility and competition, but is undertaking new initiatives to continue growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Company Investor Relations Materials
- Industry Reports
- Analyst Reports
- News Articles
Disclaimers:
This analysis is based on publicly available information and should not be considered financial advice. The information provided is subject to change and may not be entirely accurate. 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 - | ||
IPO Launch date 2018-06-19 | CEO - | ||
Sector - | Industry - | Full time employees 9400 | Website |
Full time employees 9400 | Website | ||
Unum Group, together with its subsidiaries, provides financial protection benefit solutions in the United States, the United Kingdom, and internationally. It operates through Unum US, Unum UK, 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, and consultants, as well as independent contractor agency sales force. The company was founded in 1848 and is based in Chattanooga, Tennessee.
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