Unum Group 6.250% JR NT58
Unum Group 6.250% JR NT58 Fundamental Analysis
Unum Group 6.250% JR NT58 (UNMA) shows moderate financial fundamentals with a PE ratio of 5.37, profit margin of 5.68%, and ROE of 6.77%. The company generates $17.5B in annual revenue with moderate year-over-year growth of 4.05%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 36.4/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze UNMA's fundamental strength across five key dimensions:
Efficiency Score
WeakUNMA struggles to generate sufficient returns from assets.
Valuation Score
ExcellentUNMA trades at attractive valuation levels.
Growth Score
ModerateUNMA shows steady but slowing expansion.
Financial Health Score
ModerateUNMA shows balanced financial health with some risks.
Profitability Score
WeakUNMA struggles to sustain strong margins.
Key Financial Metrics
Is UNMA Expensive or Cheap?
P/E Ratio
UNMA trades at 5.37 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, UNMA's PEG of -0.31 indicates potential undervaluation.
Price to Book
The market values Unum Group 6.250% JR NT58 at 0.39 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 3.24 times EBITDA. This is generally considered low.
How Well Does UNMA Make Money?
Net Profit Margin
For every $100 in sales, Unum Group 6.250% JR NT58 keeps $5.68 as profit after all expenses.
Operating Margin
Core operations generate 50.69 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $6.77 in profit for every $100 of shareholder equity.
ROA
Unum Group 6.250% JR NT58 generates $1.16 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Unum Group 6.250% JR NT58 generates limited operating cash flow of $927.47M, signaling weaker underlying cash strength.
Free Cash Flow
Unum Group 6.250% JR NT58 produces free cash flow of $749.04M, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $3.31 in free cash annually.
FCF Yield
UNMA converts 10.39% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
5.37
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.31
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.39
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.41
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.37
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.07
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.10
vs 25 benchmark
How UNMA Stacks Against Its Sector Peers
| Metric | UNMA Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 5.37 | 18.86 | Better (Cheaper) |
| ROE | 6.77% | 847.00% | Weak |
| Net Margin | 5.68% | 4202.00% | Weak |
| Debt/Equity | 0.37 | 0.91 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 667.17 | Weak Liquidity |
| ROA | 1.16% | -21543.00% (disorted) | Weak |
UNMA outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Unum Group 6.250% JR NT58's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
20.85%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
81.93%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-2.24%
Industry Style: Value, Dividend, Cyclical
Declining