Unum Group, known by the ticker symbol UNM, is a mid cap Life Insurance company in the financial services business sector. This is my first report on UNM for my Viital stock portfolio I reported on this company for one of my six previous portfolios.

Unum Group is a provider of group and individual income protection insurance products in the United States and the United Kingdom. 

It is the largest domestic disability insurer, with the majority of premiums generated from employer plans. 
The company also offers a complementary portfolio of other insurance products, including long-term care insurance, life insurance, and employer- and employee-paid group benefits. 

Unum Group sells its products through field sales personnel, independent brokers, and consultants, as well as independent contractor agency sales force. 

The company was founded in 1848 and is based in Chattanooga, Tennessee.

Three key data points gauge any dividend equity or fund such as Unum Group (UNM):

(1) Price

(2) Dividends

(3) Returns

Those three basic keys best tell whether any company has made, is making, and will make money. 

UNM Price

Unum Group's price per share was $26.36 as of Friday's market close. One year ago its price was $20.73. So, UNM's share price increased a little over 27% in the past year.

If Unum Group's stock trades in the range of $20 to $30.00 this next year, its recent $26.36 price could rise by $2.64 to reach $29.00 by November 8, 2022. My estimate is $0.20 less than the median of target price estimates from 10 analysts tracking UNM for their brokerage houses.  

UNM Dividends

Unum Group's most recently announced quarterly dividend of$0.30 will pay out November 19th, to shareholders. The compounded annual payout of $1.20 yields 4.55% based on yesterday's $26.36 closing price. UNM has paid quarterly dividends increasing generally annually since February 1987: That is 35 years of increasing payouts come February. 

UNM Returns

Adding the $1.20 annual estimated UNM forward-looking dividend to my $2.64 price upside estimate shows a $3.84 potential gross gain, per share, to be reduced by any costs to trade UNM shares.  

At yesterday's $26.36 price per share, a little over $1000 would buy 38 shares.

A $10 broker fee (if charged) would be paid half at purchase and half at sale and might cost us about $0.26 per share.

Subtract that maybe $0.26 brokerage cost from my estimated $3.84 gross gain per share results in a net gain of $3.58 X 38 shares = $136.04 for a 13.6% net gain on a $1,001.68 investment.

So it is that Unum Group (UNM) shows a possible 13.6% net gain including a 4.55% forward estimated dividend yield. 

Over the next year at this time a $1000 investment in Unum Group (UNM) could generate $45.50 in cash dividends alone. Note that a single share bought at yesterday's closing price was $26.36! Thus, UNM's share price is almost 2 times less than the dividend income from $1000.00 invested. Thus, according to my dogcatcher ideal, now is the time to pickup UNM shares. The estimated next year dividend from $1k invested is nearly twice the single share price. Consider yourself alerted. It's a sign!  

All of the estimates above are speculation based on the past history of Unum Group (UNM) . Only time and money invested in this stock will determine its market value.