Profitability
Weight: 25%
C+
57
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 70.4%
- Loss Ratio Trend -42.65 pp/yr
UNM
Unum Group
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
B+
79
- 5yr Avg ROE 12.2%
- 5yr Share-Count CAGR -3.2%
Growth Quality
Weight: 10%
B-
68
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Premium CAGR 2.9%
- Loss Ratio Trend (growth quality check) -42.65 pp/yr
- Revenue-Growth Years (5) 4/5
Cash Generation
Weight: 15%
F
0
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Reserve Development -6.2%
- Loss Ratio Stability (σ) 2.22
Balance Sheet
Weight: 25%
A-
80
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 0.97x
- Interest Coverage (EBIT/Int) 5.47x
Stability
Weight: 10%
C
53
- EPS Volatility (σ/μ) 0.40
- Negative-Revenue Years (5) 1/5
- Piotroski F-Score 4
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.4 of 4 gurus held; 2 added; 2 trimmed.
- Holders
- 4 +1
- Avg Δ position
- -7.5%
- New buys
- 0
- Full exits
- 0