Unum Group: Company Profile and SWOT Analysis

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Unum Group: Company Profile and SWOT Analysis Powered By Docstoc
					Unum Group

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Unum Group                                                           Financial Snapshot

                                                                     Operating Performance
Fast Facts
                                   1 Fountain Square, CHATTANOOGA,   The company reported revenue of US$10,278.0
Headquarters Address
                                   37402,United States of America    million during the fiscal year 2011 (2011). The
                                                                     company's revenue declined at a compounded rate of
Telephone                          + 27114080408
                                                                     0.58% during 2007 - 2011, with an annual growth of
                                                                     0.83% over 2010. In 2011, the company recorded an
Fax                                N/A                               operating margin of 2.29%, as against 8.69% in 2010.

Website                            www.unum.com
                                                                     Revenue and Margins
Ticker Symbol, Stock Exchange      UNM, New York Stock Exchange

Number of Employees                9,500

Fiscal Year End                    December

Revenue (in US$ million)           10,278.00




SWOT Analysis

Strengths                          Weaknesses                        Return on Equity

Broad product portfolio            Declining investment income       The company recorded a return on equity (ROE) of
                                                                     2.74% for 2011, as compared to its peers, CIGNA
                                                                     Corporation (WIPRO), AFLAC Incorporated (AFL) and
Increase in cash and equivalents   Overdependence on the US          Genworth Financial, Inc. (GNW), which recorded
                                                                     ROEs of 20.24%, 14.54% and 0.74% respectively.
Strong market position                                               The company reported an operating margin of 2.29%
                                                                     in 2011.
Opportunities                      Threats
                                                                     Return on Equity
Aging population                   Foreign exchange risk

Opportunity for acquisitions       Intense competition

Rise in the population in UK




                                                                     Liquidity Position

                                                                     The company reported a current ratio of 0.34 in 2011,
                                                                     as compared to its peers, CIGNA Corporation, AFLAC
                                                                     Incorporated and Genworth Financial, Inc. , which
                                                                     recorded current ratios of 0.43, 0.24 and 0.51
                                                                     respectively. As of December 2011, the company
                                                                     recorded cash and short-term investments of worth
                                                                     US$0.00 million, against zero current debt. The
                                                                     company reported a debt to equity ratio of 0.00 in
                                                                     2011 as compared to its peers, CIGNA Corporation,
                                                                     AFLAC Incorporated and Genworth Financial, Inc. ,
                                                                     which recorded debt to equity ratios of 0.00, 0.00 and
                                                                     0.01 respectively.




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Unum Group - SWOT Profile                                                                                    Page 1
Unum Group

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TABLE OF CONTENTS

1     Business Analysis ................................................................................................................................... 5
    1.1       Company Overview ................................................................................................................................................5
    1.2       Business Description ..............................................................................................................................................5
    1.3       Major Products and Services .................................................................................................................................7
2     Analysis of Key Performance Indicators ............................................................................................... 8
    2.1       Five Year Snapshot: Overview of Financial and Operational Performance Indicators ..........................................8
    2.2       Key Financial Performance Indicators .................................................................................................................10
      2.2.1       Total Revenues and Operating Profit ..............................................................................................................10
      2.2.2       Total Premiums Earned ...................................................................................................................................11
      2.2.3       Asset, Liabilities and Capex .............................................................................................................................12
      2.2.4       Gearing Ratio ...................................................................................................................................................13
      2.2.5       Valuation ..........................................................................................................................................................14
    2.3       Competitive Benchmarking ..................................................................................................................................15
      2.3.1       Market Capitalization .......................................................................................................................................15
      2.3.2       Efficiency ..........................................................................................................................................................16
      2.3.3       Total Premiums Earned ...................................................................................................................................17
      2.3.4       Asset Turnover .................................................................................................................................................18
3     Mergers & Acquisitions and Partnerships ........................................................................................... 19
    3.1       M&A and Partnerships Strategy ...........................................................................................................................19
4     Recent Developments ........................................................................................................................... 20
5     SWOT Analysis ...................................................................................................................................... 21
    5.1       SWOT Analysis - Overview ..................................................................................................................................21
    5.2       Strengths ..............................................................................................................................................................21
    5.3       Weaknesses .........................................................................................................................................................21
    5.4       Opportunities ........................................................................................................................................................22
    5.5       Threats .................................................................................................................................................................22
6     Company Statement .............................................................................................................................. 23
7     History .................................................................................................................................................... 24
8     Key Employees ...................................................................................................................................... 26
9     Key Employee Biographies................................................................................................................... 28
10    Locations and Subsidiaries .................................................................................................................. 29
    10.1      Head Office ..........................................................................................................................................................29
    10.2      Other Locations and Subsidiaries ........................................................................................................................29
11    Appendix ................................................................................................................................................ 31
    11.1      Methodology .........................................................................................................................................................31
    11.2      Ratio Definitions ...................................................................................................................................................31
    11.3      Disclaimer.............................................................................................................................................................35




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DOCUMENT INFO
Description: This SWOT analysis and company profile is a crucial resource for industry executives and anyone looking to gain a better understanding of the company's business. WMI's 'Unum Group: Company Profile and SWOT Analysis' report utilizes a wide range of primary and secondary sources, which are analyzed and presented in a consistent and easily accessible format. WMI strictly follows a standardized research methodology to ensure high levels of data quality and these characteristics guarantee a unique report.
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