Profitability
Weight: 25%
B+
80
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 1.9%
- Operating Margin Trend -0.41 pp/yr
UNM
Unum Group
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
A-
80
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 11.5%
- 5yr Share-Count CAGR -4.1%
Growth Quality
Weight: 10%
B+
76
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 16.0%
- 5yr EPS CAGR 1.6%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A
91
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.03x
Balance Sheet
Weight: 30%
A
88
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 17.3%
- Interest Coverage (EBIT/Int) 5.47x
Stability
Weight: 10%
B-
63
- EPS Volatility (σ/μ) 0.40
- Piotroski F-Score 7
- Negative-Revenue Years (5) 1/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.3 of 4 gurus held; 3 added; 1 full exit.
- Holders
- 3 -1
- Avg Δ position
- +48.3%
- New buys
- 0
- Full exits
- 1
- Greenblatt sold -100%
- Cooperman increased +92%
- Wood increased +50%