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Shares of Unum Group UNM closed at $54.36 on Monday, near its 52-week high of $58.17. This proximity underscores investor confidence. It has the ingredients for further price appreciation. Technical indicators for Unum Group show that the stock is trading above its 50-day and 200-day moving averages, signaling strong upward momentum.
Earnings of UNM grew 9% in the last five years, better than the industry average of 3.8%. The accident and health insurer has a solid surprise history. It surpassed earnings estimates in three of the last four quarters and missed in one, the average beat being 2.96%.
Shares of UNM have gained 20.2% in the year-to-date period compared with the industry’s growth of 29.2%. The stock has outperformed the Zacks S&P 500 composite’s growth 13.3%.
UNM YTD Price Performance
Positive Analyst Sentiment Instills Confidence in UNM
10 of the 13 analysts covering the stock have raised estimates for 2024 while nine analysts have raised estimates for 2025 over the past 60 days. The Zacks Consensus Estimate for 2024 and 2025 increased 2.5% and 2.4%, respectively.
The consensus estimate for 2024 and 2025 earnings indicates an improvement of 10.4% and 5.3%, respectively.
Unum Group’s Return on Capital
Unum Group's return on invested capital (ROIC) in the trailing 12 months was 9.2%, better than the industry average of 7.7%. This reflects the company’s efficiency in utilizing funds to generate income.
Factors Benefiting UNM
Premiums, the primary component of UNM’s top line, continue to gain from its healthy in-force block growth and higher sales. Unum Group expects sales growth in the range of 7-10% and premium growth in the band of 5-7% in 2024. For the long term, it expects sales growth in the range of 8-12% and premium growth in the band of 4-7%.
UNM is poised to grow on the operational excellence of Unum U.S. and Colonial Life. Encouraging sales trends, strong persistency in group lines and growth of new product lines like dental and vision, coupled with favorable risk results, should benefit Unum U.S. and Colonial Life, the two largest operating segments.
Management estimates sales growth of 5-10% and premium growth of 5-7% in 2024 at Unum U.S. It expects sales growth in the range of 8-12% and premium growth in the band of 2-4% at Colonial Life for 2024.
UNM enjoys a solid capital position and substantial statutory earnings and capital, leading to financial flexibility.
UNM’s Impressive Dividend History
Unum Group has consistently enhanced shareholders’ value through dividend hikes. The board has increased the shareholder dividend by 15%, effective in the third quarter of 2024, and that places the dividend payout ratio right around 20%. It also marked the 15th dividend hike in the last 14 years. The dividend yield of the company was 3.1%, higher than the industry average of 1.9%, making it an attractive pick for yield-seeking investors. It estimates a 10-15% increase in dividend going forward.
UNM Shares Are Affordable
Unum Group is trading at a discount compared with the industry average. It presents a compelling investment opportunity with its attractive forward 12-month price-to-book ratio of 0.97X, lower than the industry average of 1.87X. Also, it has a Value Score of A.
Shares of another accident and health insurer, Employers Holdings Inc. EIG, are also trading at a discount to the industry average.
However, shares of other players from the same space, like Aflac Incorporated AFL and Trupanion, Inc. TRUP, are trading at a premium compared with the industry’s average.
Wrapping Up
Favorable sales trends and risk experience, strong persistency, an improving rate environment, solid capital position, higher return on capital and effective capital deployment should continue to favor UNM over the long term. Coupled with favorable growth estimates and the affordability of the stock, the time appears right for potential investors to bet on this Zacks Rank #2 (Buy) insurer. You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Zacks Investment Research
SEATTLE, Sept. 09, 2024 (GLOBE NEWSWIRE) -- Trupanion, Inc. (Nasdaq: TRUP), the leading global provider of medical insurance for cats and dogs, announced today the official launch of its high-quality Trupanion product in Germany and Switzerland. The launch follows the Company’s expansion to Continental Europe in 2022 with the acquisition of two rapidly growing pet insurance companies with strong expertise in the region.
“We’re excited to celebrate this major milestone and offer German and Swiss pet parents and their 29 million pets the unrivaled protection of Trupanion,” said Margi Tooth, CEO at Trupanion. “The launch of our Trupanion product in Continental Europe marks a significant step forward in our international expansion efforts, a key tenet of our 60-month plan, and opens the opportunity for us to distinguish Trupanion’s unique, high-value product within the marketplace.”
Simon Wheeler, EVP International at Trupanion, added, “With low levels of pet insurance penetration in Continental Europe, we see a long runway for growth for our high-value Trupanion product. Similar to our market-leading product in North America currently covering over 900,000 pets, we believe our Trupanion product in Germany and Switzerland provides pet parents with true lifetime, transparent coverage in the marketplace.”
Trupanion’s comprehensive product is uniquely designed for the lifetime of the pet. The product also covers all eligible unexpected accidents and illnesses (including congenital and hereditary conditions, conditions developed before birth or that a breed is prone to) and has no breed and age limitations or stipulations, a rarity in the two markets. Trupanion aims to revolutionize the claims process entirely, utilizing patented technology to pay the veterinarian directly through a fast, simple and transparent process. Trupanion’s progressive integration with leading veterinary software platforms and online veterinary portal will enable increasing volumes of veterinary invoices paid directly to the veterinarian, eliminating the need for traditional reimbursement to pet parents.
“With Trupanion’s veterinarian direct pay feature, the need to file a traditional claim for reimbursement later will disappear. Removing the burdensome processes of filing claims allows veterinarians to focus on providing high-quality care and eliminates concern about financial hurdles for pet parents, granting our members the ability to choose the best treatment options for their pets,” noted Professor Dick White, Clinical Director of Trupanion Germany and Switzerland.
Trupanion policies in Germany and Switzerland will be administered and managed by Trupanion’s local team in Europe, and the policies will be underwritten locally by third parties. Trupanion is excited for the close alignment of these strategic relationships and working together towards future expansion in Europe.
More information can be found at trupanion.eu.
About Trupanion
Trupanion is the leading provider of medical insurance for over 1,000,000 cats and dogs throughout the United States, Canada, Europe, Puerto Rico and Australia. For over two decades, Trupanion has given pet owners peace of mind so they can focus on their pet's recovery, not financial stress. With its patented process, Trupanion is the only North American provider with the technology to pay veterinarians directly in seconds at the time of checkout. Trupanion is listed on NASDAQ under the symbol "TRUP". The company was founded in 2000 and is headquartered in Seattle, WA. Trupanion policies are issued, in the United States, by its wholly-owned insurance entity American Pet Insurance Company and, in Canada, by Accelerant Insurance Company of Canada. Trupanion Australia is a partnership between Trupanion and Hollard Insurance Company. For more information, please visit trupanion.com.
Contacts:
Corporate CommunicationsCorporate.Communications@trupanion.com
Reporter Name | Tooth Margaret |
Relationship | CEO |
Type | Sell |
Amount | $348,600 |
SEC Filing | Form 4 |
Trupanion's CEO, Margaret Tooth, sold 7,500 shares of common stock on August 28, 2024, at a weighted average price of $46.48 per share, totaling $348,600. Following the transaction, Tooth directly owns 99,984 shares of the company.
SEC Filing: TRUPANION, INC. [ TRUP ] - Form 4 - Aug. 30, 2024
Reporter Name | Qureshi Fawwad |
Relationship | Chief Financial Officer |
Type | Sell |
Amount | $29,040 |
SEC Filing | Form 4 |
Trupanion's Chief Financial Officer, Fawwad Qureshi, sold 624 shares of Common Stock on August 26, 2024, at a price of $46.54 per share, totaling $29,040. Following this transaction, Qureshi no longer directly owns any shares of Trupanion's Common Stock. The sale was conducted under a Rule 10b5-1 trading plan adopted on May 17, 2024.
SEC Filing: TRUPANION, INC. [ TRUP ] - Form 4 - Aug. 27, 2024
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