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IntroductionThe concept of valuationRevenue and revenue growthVariable costsFixed costsProduction assets

Intrinsic value of Unum Group (UNM)

Previous Close$35.90
Intrinsic Value$48.35*
Upside potential  +35%
Previous Close
$35.90
Intrinsic Value
$48.35*
Potential        
+35%
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh48.35 48.35

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

Unum Group, together with its subsidiaries, provides financial protection benefit solutions in the United States, the United Kingdom, Poland, and internationally. It operates through Unum US, Unum International, 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.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %-8.7NaN
Revenue, $12014NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m10951NaN
Operating income, $m1063NaN
EBITDA, $m1262NaN
Interest expense (income), $mNaN
Earnings before tax, $m1063NaN
Tax expense, $m239NaN
Net income, $m824NaN

BALANCE SHEET

Cash and short-term investments, $m75NaN
Total assets, $m59530NaN
Adjusted assets (=assets-cash), $m59455NaN
Average production assets, $m899NaN
Working capital, $m-39539NaN
Total debt, $m3502NaN
Total liabilities, $m48114NaN
Total equity, $m11416NaN
Debt-to-equity ratio0.307NaN
Adjusted equity ratio0.191NaN

CASH FLOW

Net income, $m824NaN
Depreciation, amort., depletion, $m199NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m1388NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-110NaN
Free cash flow, $m1498NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-39539
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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