Unum Group Stock Z Score

UNM Stock

USD 76.21 0.37 0.49%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Check out Unum Piotroski F Score and Unum Valuation analysis.

At this time, Unum's Net Invested Capital is very stable compared to the past year. As of the 25th of November 2024, Capital Stock is likely to grow to about 23 M, though Change In Working Capital is likely to grow to (28.1 M). At this time, Unum's Operating Income is very stable compared to the past year. As of the 25th of November 2024, EBIT is likely to grow to about 1.9 B, while Gross Profit is likely to drop about 8.2 B.

Unum Group Company Z Score Analysis

Unum's Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..

Z Score

Sum Of

5 Factors

More About Z Score | All Equity Analysis

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Unum Z Score Driver Correlations

Understanding the fundamental principles of building solid financial models for Unum is extremely important. It helps to project a fair market value of Unum Stock properly, considering its historical fundamentals such as Z Score. Since Unum's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Unum's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Unum's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Retained Earnings	Net Receivables	Total Current Assets	Net Debt	Total Liab	Short Term Investments	Common Stock	Good Will	Short Term Debt	Accounts Payable	Long Term Debt	Treasury Stock	Intangible Assets	Property Plant Equipment	Deferred Long Term Liab	Net Tangible Assets	Long Term Debt Total	Capital Surpluse	Long Term Investments	Short Long Term Debt	Cash And Equivalents	Net Invested Capital	Capital Stock	Current Deferred Revenue
Total Assets		0.92	0.11	0.53	0.63	0.48	0.99	-0.33	0.16	0.39	0.06	-0.08	0.26	-0.28	0.1	-0.04	0.66	0.31	0.2	0.33	0.52	0.07	0.11	0.08	0.41	0.69
Total Stockholder Equity	0.92		0.31	0.58	0.74	0.35	0.89	-0.51	-0.04	0.5	-0.1	-0.21	0.3	-0.34	0.07	-0.28	0.69	0.58	0.38	0.28	0.34	-0.06	0.15	0.34	0.27	0.52
Retained Earnings	0.11	0.31		0.75	0.53	0.47	0.12	-0.29	0.09	0.83	-0.58	-0.43	0.46	-0.87	0.11	-0.27	0.19	0.73	0.82	-0.47	-0.49	-0.51	0.31	0.6	-0.39	-0.43
Net Receivables	0.53	0.58	0.75		0.57	0.72	0.55	-0.09	0.33	0.66	-0.5	-0.24	0.59	-0.8	-0.08	-0.22	0.56	0.62	0.71	-0.25	-0.21	-0.46	0.4	0.49	-0.16	-0.03
Total Current Assets	0.63	0.74	0.53	0.57		0.3	0.64	-0.57	0.06	0.58	-0.27	-0.27	0.33	-0.52	0.24	-0.17	0.7	0.68	0.42	0.03	0.29	-0.27	0.29	0.58	0.22	0.2
Net Debt	0.48	0.35	0.47	0.72	0.3		0.54	0.12	0.78	0.51	-0.12	0.02	0.54	-0.78	0.31	0.13	0.38	0.28	0.44	-0.21	0.1	-0.15	0.1	0.19	-0.06	0.05
Total Liab	0.99	0.89	0.12	0.55	0.64	0.54		-0.29	0.23	0.4	0.07	-0.06	0.28	-0.31	0.12	0.02	0.67	0.31	0.2	0.28	0.55	0.07	0.12	0.1	0.4	0.66
Short Term Investments	-0.33	-0.51	-0.29	-0.09	-0.57	0.12	-0.29		0.26	-0.19	-0.03	0.02	-0.37	0.1	-0.46	0.58	-0.13	-0.4	-0.26	-0.39	0.01	0.02	-0.2	-0.4	-0.25	-0.23
Common Stock	0.16	-0.04	0.09	0.33	0.06	0.78	0.23	0.26		0.07	0.06	0.33	0.35	-0.49	0.33	0.19	0.32	-0.09	-0.08	-0.05	0.3	0.04	-0.06	0.04	0.23	0.1
Good Will	0.39	0.5	0.83	0.66	0.58	0.51	0.4	-0.19	0.07		-0.52	-0.57	0.14	-0.79	0.13	-0.06	0.28	0.62	0.71	-0.43	-0.14	-0.44	0.19	0.35	-0.21	-0.13
Short Term Debt	0.06	-0.1	-0.58	-0.5	-0.27	-0.12	0.07	-0.03	0.06	-0.52		0.07	-0.1	0.42	0.05	0.21	-0.08	-0.37	-0.6	0.37	0.47	0.85	-0.34	-0.26	0.31	0.31
Accounts Payable	-0.08	-0.21	-0.43	-0.24	-0.27	0.02	-0.06	0.02	0.33	-0.57	0.07		0.32	0.25	0.3	0.15	-0.2	-0.34	-0.33	0.28	0.16	0.18	-0.07	-0.17	0.14	0.14
Long Term Debt	0.26	0.3	0.46	0.59	0.33	0.54	0.28	-0.37	0.35	0.14	-0.1	0.32		-0.55	0.29	-0.26	0.26	0.51	0.56	0.04	-0.23	-0.21	0.37	0.56	-0.26	-0.19
Treasury Stock	-0.28	-0.34	-0.87	-0.8	-0.52	-0.78	-0.31	0.1	-0.49	-0.79	0.42	0.25	-0.55		-0.23	0.04	-0.34	-0.59	-0.7	0.34	0.22	0.38	-0.25	-0.46	0.27	0.26
Intangible Assets	0.1	0.07	0.11	-0.08	0.24	0.31	0.12	-0.46	0.33	0.13	0.05	0.3	0.29	-0.23		-0.03	-0.09	0.1	0.2	0.13	0.1	-0.1	0.09	0.09	-0.01	-0.01
Property Plant Equipment	-0.04	-0.28	-0.27	-0.22	-0.17	0.13	0.02	0.58	0.19	-0.06	0.21	0.15	-0.26	0.04	-0.03		-0.2	-0.3	-0.28	-0.35	0.35	0.37	-0.07	-0.37	-0.16	-0.08
Deferred Long Term Liab	0.66	0.69	0.19	0.56	0.7	0.38	0.67	-0.13	0.32	0.28	-0.08	-0.2	0.26	-0.34	-0.09	-0.2		0.52	0.15	0.16	0.51	-0.17	0.16	0.5	0.35	0.32
Net Tangible Assets	0.31	0.58	0.73	0.62	0.68	0.28	0.31	-0.4	-0.09	0.62	-0.37	-0.34	0.51	-0.59	0.1	-0.3	0.52		0.73	-0.33	-0.13	-0.36	0.34	0.9	-0.4	-0.37
Long Term Debt Total	0.2	0.38	0.82	0.71	0.42	0.44	0.2	-0.26	-0.08	0.71	-0.6	-0.33	0.56	-0.7	0.2	-0.28	0.15	0.73		-0.34	-0.55	-0.69	0.46	0.52	-0.62	-0.43
Capital Surpluse	0.33	0.28	-0.47	-0.25	0.03	-0.21	0.28	-0.39	-0.05	-0.43	0.37	0.28	0.04	0.34	0.13	-0.35	0.16	-0.33	-0.34		0.3	0.22	-0.13	-0.34	0.57	0.7
Long Term Investments	0.52	0.34	-0.49	-0.21	0.29	0.1	0.55	0.01	0.3	-0.14	0.47	0.16	-0.23	0.22	0.1	0.35	0.51	-0.13	-0.55	0.3		0.48	-0.29	-0.1	0.65	0.62
Short Long Term Debt	0.07	-0.06	-0.51	-0.46	-0.27	-0.15	0.07	0.02	0.04	-0.44	0.85	0.18	-0.21	0.38	-0.1	0.37	-0.17	-0.36	-0.69	0.22	0.48		-0.41	-0.29	0.35	0.34
Cash And Equivalents	0.11	0.15	0.31	0.4	0.29	0.1	0.12	-0.2	-0.06	0.19	-0.34	-0.07	0.37	-0.25	0.09	-0.07	0.16	0.34	0.46	-0.13	-0.29	-0.41		0.3	-0.29	-0.22
Net Invested Capital	0.08	0.34	0.6	0.49	0.58	0.19	0.1	-0.4	0.04	0.35	-0.26	-0.17	0.56	-0.46	0.09	-0.37	0.5	0.9	0.52	-0.34	-0.1	-0.29	0.3		-0.29	-0.46
Capital Stock	0.41	0.27	-0.39	-0.16	0.22	-0.06	0.4	-0.25	0.23	-0.21	0.31	0.14	-0.26	0.27	-0.01	-0.16	0.35	-0.4	-0.62	0.57	0.65	0.35	-0.29	-0.29		0.85
Current Deferred Revenue	0.69	0.52	-0.43	-0.03	0.2	0.05	0.66	-0.23	0.1	-0.13	0.31	0.14	-0.19	0.26	-0.01	-0.08	0.32	-0.37	-0.43	0.7	0.62	0.34	-0.22	-0.46	0.85

Click cells to compare fundamentals

To calculate a Z-Score, one would need to know a company's current working capital, its total assets and liabilities, and the amount of its latest earnings as well as earnings before interest and tax. Z-Scores can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area,' with scores of less than 1 indicating the highest probability of distress. Z Score is a used widely measure by financial auditors, accountants, money managers, loan processors, wealth advisers, and day traders. In the last 25 years, many financial models that utilize z-scores proved it to be successful as a predictor of corporate bankruptcy.

Competition

Predict Unum

As per the company's disclosures, Unum Group has a Z Score of 0.0. This is 100.0% lower than that of the Insurance sector and about the same as Financials (which currently averages 0.0) industry. The z score for all United States stocks is 100.0% higher than that of the company.

Unum Z Score Peer Comparison

Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Unum's direct or indirect competition against its Z Score to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Unum could also be used in its relative valuation, which is a method of valuing Unum by comparing valuation metrics of similar companies.

Unum is currently under evaluation in z score category among its peers.

Unum ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Unum's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Unum's managers, analysts, and investors.

Environmental

Governance

Social

Unum Institutional Holders

Institutional Holdings refers to the ownership stake in Unum that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Unum's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Unum's value.

		Shares
Donald Smith & Co Inc	2024-09-30	2.9 M
Lsv Asset Management	2024-09-30	2.8 M
Nordea Investment Mgmt Bank Demark A/s	2024-09-30	2.3 M
Goldman Sachs Group Inc	2024-06-30	2.2 M
Bank Of New York Mellon Corp	2024-06-30	2.2 M
Royal Bank Of Canada	2024-06-30	1.5 M
Amvescap Plc.	2024-06-30	1.5 M
Northern Trust Corp	2024-09-30	1.4 M
First Trust Advisors L.p.	2024-06-30	1.3 M
Blackrock Inc	2024-06-30	19.3 M
Vanguard Group Inc	2024-09-30	18.9 M

Unum Fundamentals

	Return On Equity	0.17
	Return On Asset	0.0247
	Profit Margin	0.14 %
	Operating Margin	0.27 %
	Current Valuation	17.16 B
	Shares Outstanding	182.61 M
	Shares Owned By Insiders	0.87 %
	Shares Owned By Institutions	89.90 %
	Number Of Shares Shorted	1.93 M
	Price To Earning	7.08 X
	Price To Book	1.26 X
	Price To Sales	1.08 X
	Revenue	12.39 B
	Gross Profit	3.93 B
	EBITDA	1.94 B
	Net Income	1.28 B
	Cash And Equivalents	119.2 M
	Cash Per Share	6.67 X
	Total Debt	3.43 B
	Debt To Equity	0.40 %
	Current Ratio	20.25 X
	Book Value Per Share	59.36 X
	Cash Flow From Operations	1.2 B
	Short Ratio	1.59 X
	Earnings Per Share	9.21 X
	Price To Earnings To Growth	2.50 X
	Target Price	75.55
	Number Of Employees	10.55 K
	Beta	0.75
	Market Capitalization	13.85 B
	Total Asset	63.26 B
	Retained Earnings	11.43 B
	Annual Yield	0.02 %
	Five Year Return	3.90 %
	Net Asset	63.26 B
	Last Dividend Paid	1.57

About Unum Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Unum Group's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Unum using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Unum Group based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

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When determining whether Unum Group offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Unum's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Unum Group Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Unum Group Stock:

How To Invest In Unum

Details

Is Unum Stock a good investment?

Details

What is Unum's Net Worth?

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Largest Life & Health Insurance Companies

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Largest Insurance Companies

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Check out Unum Piotroski F Score and Unum Valuation analysis.

You can also try the Bonds Directory module to find actively traded corporate debentures issued by US companies.

Is Life & Health Insurance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Unum. If investors know Unum will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Unum listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

2.392

Dividend Share

1.57

Earnings Share

9.21

Revenue Per Share

67.014

Quarterly Revenue Growth

0.04

The market value of Unum Group is measured differently than its book value, which is the value of Unum that is recorded on the company's balance sheet. Investors also form their own opinion of Unum's value that differs from its market value or its book value, called intrinsic value, which is Unum's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Unum's market value can be influenced by many factors that don't directly affect Unum's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between Unum's value and its price as these two are different measures arrived at by different means. Investors typically determine if Unum is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Unum's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

Macroaxis helps investors of all levels and skills to maximize the upside of all their holdings and minimize the risk associated with market volatility, economic swings, and company-specific events. View terms and conditions

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Unum Group Stock Z Score

Unum Group Company Z Score Analysis

Z Score

Sum Of

5 Factors

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Unum Z Score Driver Correlations

Unum Z Score Peer Comparison

Unum ESG Sustainability

Unum Institutional Holders

Unum Fundamentals

About Unum Fundamental Analysis

Building efficient market-beating portfolios requires time, education, and a lot of computing power!

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