Unum Group Intrinsic Value – UNUM GROUP Reports Non-GAAP EPS of $1.87, Exceeding Expectations Despite Shortfall in Revenue
May 4, 2023
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Despite a shortfall in revenue of $20M when compared to analysts’ expectations, the company exceeded expectations in a big way when it came to Non-GAAP Earnings Per Share (EPS). UNUM GROUP ($NYSE:UNM) reported a Non-GAAP EPS of $1.87, which was $0.22 more than analyst estimates. This was due to the company’s disciplined cost management and efficient utilization of available resources. Overall, these results demonstrate UNUM GROUP’s ability to effectively manage their business in challenging economic times. The company was able to exceed expectations on Non-GAAP EPS despite a revenue shortfall, which gives investors confidence that UNUM GROUP is well positioned for future success.
Earnings
In its latest earnings report for FY2022 Q4 ending December 31 2022, UNUM GROUP reported total revenue of 3005.7M USD, up 0.9% compared to the same period last year. Net income also increased substantially by 75.1%, to 279.6M USD. Despite this impressive performance, UNUM GROUP’s total revenue has decreased from 4273.5M USD in the past 3 years. This was a notable accomplishment given the shortfall in total revenue, especially compared to the previous year.
Overall, UNUM GROUP has continued to deliver impressive financial results despite the challenging market conditions and their declining revenues. This reaffirms their position as a reliable leader in their industry and demonstrates their ability to capitalize on growth opportunities.
About the Company
Income Snapshot
Below shows the total revenue, net income and net margin for Unum Group. More…
| Total Revenues | Net Income | Net Margin |
| 11.88k | 1.31k | 11.1% |
Cash Flow Snapshot
Below shows the cash from operations, investing and financing for Unum Group. More…
| Operations | Investing | Financing |
| 1.42k | -955.9 | -418.6 |
Balance Sheet Snapshot
Below shows the total assets, liabilities and book value per share for Unum Group. More…
| Total Assets | Total Liabilities | Book Value Per Share |
| 61.43k | 52.24k | 46.51 |
Key Ratios Snapshot
Some of the financial key ratios for Unum Group are shown below. More…
| 3Y Rev Growth | 3Y Operating Profit Growth | Operating Margin |
| -0.3% | – | 15.3% |
| FCF Margin | ROE | ROA |
| 11.1% | 12.7% | 1.9% |
Market Price
The stock opened at $41.4 and eventually closed at $41.0, a 2.1% decrease when compared to the previous closing price of $41.8. Despite this decrease, UNUM GROUP was able to report a solid result, showing the company’s resilience and dedication to delivering quality results to its shareholders. Live Quote…
Analysis – Unum Group Intrinsic Value
As GoodWhale, we have conducted a thorough analysis of UNUM GROUP‘s fundamentals, and have reached the conclusion that the intrinsic value of each share is around $30.6. This figure has been calculated using our proprietary Valuation Line. Our analysis indicates that the current market price of UNUM GROUP’s stock, which stands at $41.0, is overvalued by 34.0%. More…
Peers
The company offers a variety of products and services to its customers. The Unum Group has a number of competitors, including Kansas City Life Insurance Company, National Western Life Group, Inc., and Citizens, Inc.
– Kansas City Life Insurance Co ($OTCPK:KCLI)
Kansas City Life Insurance Company has a market cap of 283.24M as of 2022. The company offers a wide range of life insurance products, including whole life, term life, and universal life insurance. Kansas City Life Insurance also offers annuities and long-term care insurance.
– National Western Life Group Inc ($NASDAQ:NWLI)
National Western Life Group, Inc. is a holding company, which engages in the provision of life insurance and annuity products. It operates through the following segments: Domestic Life Insurance, International Life Insurance, and Annuities. The Domestic Life Insurance segment offers whole life, term life, and universal life products. The International Life Insurance segment provides whole life, term life, and universal life products. The Annuities segment offers fixed and variable annuities. The company was founded by Oliver W. Isbell and H.C. Waggoner in 1906 and is headquartered in Austin, TX.
– Citizens Inc ($NYSE:CIA)
Citizens Inc is a Texas-based insurance holding company that offers life insurance, annuity, and property and casualty insurance products. The company’s market cap as of 2022 is $142.93M. Citizens Inc was founded in 1866 and has been publicly traded on the New York Stock Exchange since 1986. The company employs over 1,000 people and has over $5 billion in assets.
Summary
Despite the revenue miss, investors may find the strong EPS beat encouraging and worth considering as they analyze UNUM’s financials. Going forward, investors should closely monitor UNUM’s performance and strategy as the company looks for ways to improve their revenue and become more profitable.
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