Unum Group 6.250% JR NT58 Fundamental Analysis (NYSE: UNMA)
Unum Group 6.250% JR NT58 Fundamental Analysis (NYSE: UNMA)
Unum Group 6.250% JR NT58 (NYSE: UNMA) shows weak financial fundamentals with a PE ratio of 57.55, profit margin of 1.96%, and ROE of 2.23%. The company generates $17.7B in annual revenue with weak year-over-year growth of 2.07%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 47.3/100 based on profitability, valuation, growth, and balance sheet metrics. The D 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
ModerateUNMA shows balanced valuation metrics.
Growth Score
WeakUNMA faces weak or negative growth trends.
Financial Health Score
ExcellentUNMA maintains a strong and stable balance sheet.
Profitability Score
ModerateUNMA maintains healthy but balanced margins.
Key Financial Metrics
Is UNMA Expensive or Cheap?
P/E Ratio
UNMA trades at 57.55 times earnings. This suggests a premium valuation.
PEG Ratio
When adjusting for growth, UNMA's PEG of -0.79 indicates potential undervaluation.
Price to Book
The market values Unum Group 6.250% JR NT58 at 1.20 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 13.73 times EBITDA. This signals the market has high growth expectations.
How Well Does UNMA Make Money?
Net Profit Margin
For every $100 in sales, Unum Group 6.250% JR NT58 keeps $1.96 as profit after all expenses.
Operating Margin
Core operations generate 2.86 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $2.23 in profit for every $100 of shareholder equity.
ROA
Unum Group 6.250% JR NT58 generates $0.40 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 produces operating cash flow of $2.51B, showing steady but balanced cash generation.
Free Cash Flow
Unum Group 6.250% JR NT58 generates strong free cash flow of $2.32B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $10.25 in free cash annually.
FCF Yield
UNMA converts 12.93% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
57.55
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.79
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.20
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.01
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.35
vs 25 benchmark
Current Ratio
Current assets to current liabilities
25.85
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.02
vs 25 benchmark
ROA
Return on assets percentage
0.004
vs 25 benchmark
ROCE
Return on capital employed
0.006
vs 25 benchmark
How UNMA Stacks Against Its Sector Peers
| Metric | UNMA Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 57.55 | 20.35 | Worse (Expensive) |
| ROE | 2.23% | 610.00% | Weak |
| Net Margin | 1.96% | 641.00% | Weak |
| Debt/Equity | 0.35 | 0.91 | Strong (Low Leverage) |
| Current Ratio | 25.85 | 799.65 | Strong Liquidity |
| ROA | 0.40% | -77.00% (disorted) | Weak |
UNMA outperforms its industry in 2 out of 6 key metrics, but lagging in P/E Ratio.
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
17.21%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
9.93%
Industry Style: Value, Dividend, Cyclical
GrowingFCF CAGR
35.87%
Industry Style: Value, Dividend, Cyclical
High Growth