Unum Group cash flow to debt ratio of 17.62% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Unum Group's free cash flow has decreased 59.97% from $1.39B last year to $555.40M, signaling decreasing performance

Unum Group's debt to equity ratio is 0.35, which means that the company's assets are healthy financed, signaling financial stability.

Unum Group's debt has decreased relative to shareholder equity from 0.35 last year to 0.35 today, signaling strengthened financials

Unum Group has a net debt to EBITDA ratio of 2.96x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

Unum Group's interest coverage ratio of 4.29 indicates that earnings with good margin can cover interest payments on company debt

Unum Group's profit margin has decreased (61.86%) in the last year from 13.91% to 5.30%, signaling decreasing performance

Unum Group's short-term assets of $1.59B exceed its short-term liabilities of $0.00

Unum Group's return on assets of 1.11% is lower than the 5.00% threshold, indicating inefficient asset utilization

Unum Group's return on equity of 6.43%, is lower than 15.00%, indicating bad performance

Unum Group's operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Unum Group had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Unum Group has positive free cash flow, indicating the company generates cash after capital expenditures

Unum Group has a free cash flow yield of 3.84%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Unum Group's yearly earnings has decreased 58.49% since last year from $1.78B to $738.50M, signaling decreasing performance

Unum Group's yearly revenue has increased 1.46% since last year from $12.89B to $13.08B, signaling increasing performance

ROIC 1.11% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Unum Group's 3-year revenue CAGR of 3.21% is positive, indicating growing revenue over the past 3 years

Unum Group had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Unum Group had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Unum Group is overvalued relative to its fair value price of 22.30 based on Discounted Cash Flow model

Unum Group has an earnings yield of 4.82%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Unum Group is overvalued relative to its fair value price of 31.22 based on EBITDA multiple model

Unum Group has an EV/EBITDA ratio of 14.39x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Unum Group is overvalued relative to its fair value price of 67.57 based on Earnings Fair Value model

Unum Group has a PEG-ratio over 1 which is considered overvalued

Unum Group has a price-to-book ratio of 1.35x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Unum Group has a price-to-sales ratio of 1.10x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue