Unum Group (UNM) Fundamental Analysis: Revenue, Earnings & Valuation

4.97 / 10

Netural

Fundamental score sits at 5.0/10, reflecting mixed traits. Strong points include high accounts‑receivable turnover (23.6), robust fixed‑asset turnover, solid current ratio (3.8) and excellent interest coverage (34.9). Weaknesses are negative cash‑up, steep declines in diluted EPS YoY (‑54.9%) and net profit YoY (‑58.5%).

Analysis Checks(6/10)

Revenue-MV

Value0.91

Score1/3

Weight3.90%

1M Return1.04%

Net profit attributable to parent company shareholders / Net profit (%)

Value100.00

Score3/3

Weight11.44%

1M Return2.92%

Accounts receivable turnover ratio

Value23.61

Score3/3

Weight10.28%

1M Return2.64%

Cash-UP

Value-0.16

Score1/3

Weight1.74%

1M Return0.57%

Fixed assets turnover ratio

Value9771.06

Score3/3

Weight9.49%

1M Return2.46%

Interest coverage ratio (EBIT / Interest expense) (%)

Value34.91

Score2/3

Weight9.37%

1M Return2.44%

Diluted earnings per share (YoY growth rate %)

Value-54.86

Score1/3

Weight7.31%

1M Return2.00%

Asset-MV

Value-0.55

Score3/3

Weight25.38%

1M Return6.47%

Net profit attributable to parent company shareholders (YoY growth rate %)

Value-58.49

Score1/3

Weight11.31%

1M Return2.88%

Current ratio

Value3.80

Score3/3

Weight9.77%

1M Return2.53%

Is UNM undervalued or overvalued?

UNM scores 4.97/10 on fundamentals and holds a Fair valuation at present. Backed by its 6.69% ROE, 5.65% net margin, 16.16 P/E ratio, 1.07 P/B ratio, and -54.90% earnings growth, these metrics solidify its Netural investment rating.