A portfolio of stocks I've been building since September 3, 2019, named Volio, 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 second of five financial services sector stocks poised to join my Volio folio this week. This could be my thirty-sixth 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 life insurance company named, Unum Group. Its trading ticker symbol is UNM. This is my second report on Unum Group. Most recently I reported on Unum on February 6.

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 $15.59 yesterday. A year ago their price was $36.62. Market price dropped $21.03 or just over 57% in the past year.

Assuming Unum's stock trades in the range of $8 to $24 this next year, its recent $15.59 price might rise by $2.41 to reach $18.00 by May 5, 2021.

UNM Dividends

Unum's most recent declared quarterly dividend was $0.285 payable May 15th. That $0.285 Q dividend equates to $1.14 annually and yields 7.31% at yesterday's $15.59 share price.

UNM Gains?

Adding the $1.14 annual estimated dividend to my $2.41 optimistic estimate of Unum's price upside shows a $3.55 potential gross gain, per share, reduced by any costs to trade those shares.

A little under $1,000.00 today invested in Unum Group shares at their $15.59 price, buys 64 shares of UNM stock.

A $10 broker fee paid half at purchase and half at sale could cost about $0.16 per share.

Subtract that $0.16  brokerage cost from my estimated $3.55 gross gain per share results in a net gain of $3.39 X 64 shares = $216.96 for a 21.7% net gain on a $997.76 investment.

Therefore, Unum Group, whose trading ticker symbol is UNM shows a possible 21.7% net gain including a 7.31% dividend yield. It could be more, it could be less.

The above speculation is based on past performance and supposition. Only time and money invested will tell if Unum Group is worth it.