Unum Group Intrinsic Value – UNUM GROUP Shares Plummet 13.46% – Is a Rebound on the Horizon?
April 1, 2023

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Unum Group ($NYSE:UNM) (NYSE: UNM) has had a rough month, plummeting 13.46% in the last month alone. With such sharp losses, investors may be wondering if there is any hope of a rebound in the near future. Unum Group is a leading provider of disability income protection insurance for both employers and individuals. The company also offers life, accident and critical illness insurance products, along with voluntary and worksite benefits. Despite its recent losses, Unum Group still remains one of the largest and most respected providers of disability insurance in the U.S. and U.K. With strong financials, a diversified product portfolio and a proven track record of success, there is definitely hope that UNM will turn things around and start to rise again.
Analysts have expressed optimism that the share price could continue to climb in the coming months. The key will be for Unum Group to continue to innovate and adapt to changing market conditions. If the company can do this, and continue to offer quality products and services to its customers, then there is a good chance that UNM will be able to recover from this recent setback and put itself in a better position in the long-term.
Price History
Monday was a tumultuous day for UNUM GROUP, as their stock plunged by 13.46%, opening at $39.0 and closing at $39.1, significantly lower than the previous closing price of $38.0. The sudden drop in stock price has left many investors wondering if a rebound is possible in the future or if they should be preparing for further losses. The UNUM GROUP share price has been on a downward spiral since June, with their recent selloff being one of the largest single-day losses in their history. Despite this, some investors remain optimistic that the company will rebound and regain its momentum, citing their strong financials as well as their diverse portfolio of products and services.
However, others have noted that the current market volatility is impacting the entire sector, which could keep prices depressed in the near term and make a rebound difficult to achieve. For now, investors have to wait and see if UNUM GROUP can manage to turn things around and stage a recovery in the coming days and weeks. Live Quote…
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% |
Analysis – Unum Group Intrinsic Value
At GoodWhale, we have conducted a thorough analysis of UNUM GROUP‘s fundamentals. We believe that the fair value of the company’s share is around $29.1, according to our proprietary Valuation Line. Currently, the stock is trading at $39.1, which implies that it is overvalued by 34.4%. We recommend investors to take caution when considering investing in UNUM GROUP at current levels. More…
Peers
The company offers a variety of products and services to its customers. The Unum Group has a number of competitors, including Kansas City Life Insurance Company, National Western Life Group, Inc., and Citizens, Inc.
– Kansas City Life Insurance Co ($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
UNUM Group (NYSE: UNM) has seen a sharp 13.46% drop in its share price over the past month. While the recent performance of UNM has been underwhelming, investors may want to consider whether the company is undervalued, as it has historically traded at a premium price-to-earnings ratio. Analysts suggest that UNM has a good chance of recovering its pre-drop price if the company shows signs of improved profitability and cash flow. Investors should further watch out for any potential industry-wide trends that could affect UNM’s performance.
Additionally, they should take note of any news related to UNM’s management, such as changes in leadership or corporate strategy, as these could significantly impact UNM’s future performance.
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