Unum Group, together with its subsidiaries, provides financial protection benefit solutions primarily in the United States, the United Kingdom, and Poland. It operates through Unum US, Unum International, Colonial Life, and Closed Block segments. The company offers group long-term and short-term disability, group life, and accidental death and dismemberment products; supplemental and voluntary products, such as individual disability, voluntary benefits, and dental and vision products; and accident, sickness, disability, life, and cancer and critical illness products. It also provides group pension, individual life and corporate-owned life insurance, reinsurance pools and management operations, and other products. The company sells its products primarily to employers for the benefit of employees. Unum Group sells its products through field sales personnel, independent brokers, consultants, and independent contractor agency sales force. The company was founded in 1848 and is based in Chattanooga, Tennessee.

Unum Group

Granatus Ventures is a venture capital firm that backs startups leveraging Armenia’s potential as an emerging technology hub. The firm focuses on applying deep-tech solutions to tackle fundamental human challenges within the UN SDG framework, self-described as operating globally to support portfolio companies in establishing value-add activities in Armenia.

Granatus Ventures

Unum is a company that provides employee benefits, including disability, life, accident, critical illness, dental and vision insurance.

Unum

Unum Ireland

Unum UK

Since our founding in 1848, Unum has been a leader in the employee benefits business through innovation, integrity and an unwavering commitment to our customers. This simple philosophy has guided us through America’s fledgling insurance landscape and helped us become an international leader in financial protection benefits, offering disability, life, accident, critical illness, dental, vision and stop-loss insurance; leave and absence management support and behavioral health services.

This is a public forum, so we kindly ask you to respect our posting guidelines, which can be found here: https://bit.ly/unumpostingguidelines.

AtYourBusiness.com

Unum delivers deeper integrations with Workday, saving valuable time for HR by automating and streamlining benefits administration and leave management.
With the experience that comes with hundreds of customers and millions of transactions, HR Connect optimizes your Workday platform with deeper, API-enabled connections designed to deliver a better employee benefit experience. http://spr.ly/60499UwLb

Our Generosity in July campaign continues, shining a light on the incredible work of our Unum Group community partners. Throughout July, #TeamUnum will spread the #CaringSpirit by volunteering our time and resources to enhance the well-being of our elderly community members. Together, we build stronger, healthier communities.

Senior Resources Inc. provides care and connection that enriches the lives of seniors. Our employees have a long history of volunteering and caring for seniors in the community.

Our Generosity in July campaign is an opportunity to support Unum Group community partners during a critical time of need. This year, we're supporting our community partners who help older adults (age 65+) stay active and independent. Throughout July, #TeamUnum will spread the #CaringSpirit and build stronger communities, one act of service at a time.

Southern Maine Agency On Aging provides vital programs for older adults and caregivers in our region, including Meals on Wheels, Medicare counseling, and case management services for individuals of the greatest social and economic need.

The latest in legislation! Get the scoop on the final ruling on the Pregnant Workers Fairness Act (PWFA) that’s now in effect. We’re breaking it down in baby steps to give you the top 5 things you need to know to stay compliant with the changes. 

#TheBenefitsBriefing #LeaveManagement #PWFA #WorkplaceAccommodations #HRTrends #PregnantWorkers #ADA

Unum Group graciously made a 2:1 matching gift on ChattState's first annual Giving Day, effectively tripling every dollar donated! Their $30,000 donation is directly going to students via the Tiger Cupboard food pantry, the Helping Hands emergency fund and the SkillsUSA Fund. Thank you for your continued support of our students and the community. 
#Unum #GivingDay #ChattState

We celebrate Disability Pride Month by honoring the achievements of the disability community, advocating for people with disabilities and acknowledging the importance of the Americans with Disabilities Act (ADA), signed on July 26, 1990. We remain committed to providing our employees with an accessible work culture and our customers access to disability benefits that protect their families, finances and futures.

Metric
Company Name	Unum Group	Granatus Ventures
Symbol	UNM
MSH ID	COM:UNUM	COM:GRANATUSVENTURES
Market	STOCKS	PRIVATE
Sector	Financial Services	Financial Services & Finance
Industry	Insurance - Life	Venture Capital
Country	US	AM
Stage
Employee Count	10.55K
Website	unum.com	granatusventures.com
LinkedIn	unum	granatus-ventures-cjsc
Founders

Metric
Market Cap	9.70B
Enterprise Value
Monthly Web Traffic	98	126
Web Traffic Growth	-0.70	-0.83
Valuation
Raised Capital

Metric
Revenue	12.39B
Revenue (LTM)
Revenue (NTM)
Gross Profit	11.93B
EBITDA	1.64B
Operating Income	1.64B
Net Income	1.28B
EPS	6.53
Diluted EPS	6.50
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	0.96
Operating Profit Margin	0.02
EBITDA Margin	0.13
Net Profit Margin	0.11
Return on Equity	0.14
Return on Assets	50.41
Return on Capital Employed	0.00

COM:UNUM

Unum

Last Close

75.43

22/11 21:00

Market Cap

9.70B

Beta: -

Volume Today

1.73M

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	7.58
P/B Ratio	0.97
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	0.94
EV Multiple	15.36

Metric
Days Sales Outstanding	308.86
Days Payables Outstanding
Days Inventory Outstanding
Operating Cycle
Cash Conversion Cycle
Asset Turnover	479.01

Metric
Operating Cash Flow	1.20B
Free Cash Flow	1.07B
Cash Flow to Debt	0.40
Operating Cash Flow/Sales	0.11
Free Cash Flow Yield	0.12

Metric
Cash & Equivalents	146M
Accounts Receivable
Inventory	-53.13B
Goodwill	349.90M
Debt to Capitalization	0.26
Debt to Assets	0.06
Current Ratio	44.64
Quick Ratio

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue
R&D to Revenue
SG&A to Revenue	0.07