A portfolio of stocks I've been building since September 3 is named Volio. It will eventually hold 52 dividend dogs. Volio is the fifth portfolio I've built (at a one dividend dog per-week pace) since 2014. Five portfolios = V for Volio!

Today I'm reviewing the fourth of five financial services stocks striving to join my Volio folio. This could be my twenty-third pick for Volio!

That financial services sector includes twenty industries ranging from Asset Management to 8 kinds of Banks, Credit, Exchanges, 6 kinds of Insurance, Savings, and all such financial concerns.

My subject today is a mid-cap life insurance firm named, Unum Group. Their trading ticker symbol is UNM. This is my second report for Unum Group. My most recent post on UNM was aired on October 17, 2019. For this very Volio Folio.

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. The firm markets its products primarily through brokers.

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

I use three key data points to gauge dividend equities or funds like Unum Group:

(1) Price

(2) Dividends

(3) Returns

Besides those three, several other keys will finally unlock an equity or fund in which to invest, or not.

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

UNM Price

Unum's price per share closed at $30.21 yesterday. A year ago its price was $36.51. So, in the past year, its market price fell by $6.30, or just over 17.25%.

Assuming Unum's stock trades in the range of $24 to $40 this next year, its recent $30.21 price could rise by $1.79 to reach $32  by February 6, 2021, assuming upward price momentum continues.

UNM Dividends

Unum's latest declared quarterly dividend was $0.285, payable February 21. That $0.285 Q dividend equates to an annual payout of $1.14 and yields 3.77% at yesterday's $30.21 share price.

UNM Gains?

Adding the $1.14 annual estimated dividend to my $1.71 estimate of Unum Group price upside shows a $2.85 potential gross gain, per share, which will be reduced by any costs to trade those shares.

As for costs, if we put a little under $1,000.00 today in Unum Group at its recent $30.21 price, would buy 33 shares of UNM

A $10 broker fee paid half at purchase and half at sale could cost us about $0.30 per share.

Subtract that $0.30 brokerage cost from the estimated $2.85 gross estimated gain per share leaves a net gain of $255 X 33 shares = $94.05 or a 9.42% net gain on a $996.93 investment.

Therefore, Unum Group, whose trading ticker symbol is UNM shows a possible 9.42% net gain including a 3.77% dividend yield. It could be more, it could be less.

The above speculation is based on past year performance. The actual results remain to be seen to learn if Unum Group, is worth your time and money.