文章核心观点 - Unum Group将于7月30日盘后公布2024年第二季度财报，其保费、营收等指标有增长趋势，但盈利预测有降有升，同时给出其他可能盈利超预期的保险股信息 [1][2][3] 分组1：Unum Group财报情况 - Unum Group将在7月30日盘后公布2024年第二季度财报，过去四个报告季度中三次盈利超预期，一次未达预期 [1] - 二季度保费可能受益于有效业务的持续稳定、更好的定价和多数业务板块销售改善，Zacks共识估计为26亿美元，预估为25亿美元，同比增长4.2% [2] - 保费改善和净投资收入增加可能推动营收增长，Zacks共识估计营收为32亿美元，同比增长3.7% [3] - Unum International可能受益于有效业务增长、团体长期残疾产品线费率提高和更高的持续性，该部门保费预估为2.287亿美元 [4] - 由于佣金、利息和债务费用、递延获取成本摊销和薪酬费用增加，费用可能上升，预计总福利和费用为27亿美元 [4] - Zacks共识估计每股收益为2.02美元，同比下降1.9%，模型未明确预测此次盈利超预期 [5] - Unum Group目前Zacks排名为3 [6] 分组2：影响因素 - 利率环境改善可能支持更高的净投资收入，预估为5.164亿美元，Zacks共识估计为5.259亿美元 [10] - Unum U.S.和Colonial Life两大运营部门的业绩可能受团体产品线有利的福利经验、有序的销售趋势、团体业务的强劲持续性和新产品线增长推动，Unum US保费预估为17亿美元，Colonial Life为4.442亿美元 [11] - 持续的股票回购可能推动净利润增长 [12] 分组3：定量模型预测 - Unum Group的盈利ESP为 - 1.01% [13] 分组4：其他保险股情况 - Arch Capital Group（ACGL）过去四个报告季度盈利均超预期，目前盈利ESP为 + 0.54%，Zacks排名为3，2024年二季度盈利Zacks共识估计为每股2.16美元，同比增长12.5% [7][14] - The Allstate Corporation（ALL）过去四个报告季度中三次盈利超预期，一次未达预期，目前盈利ESP为 + 36.50%，Zacks排名为3，2024年二季度盈利Zacks共识估计为每股33美分，同比下降107.5% [8][15] - Fidelity National Financial（FNF）过去四个报告季度中一次盈利超预期，三次未达预期，目前盈利ESP为 + 1.61%，Zacks排名为3，2024年二季度盈利Zacks共识估计为每股1.27美元，同比下降25.7% [9][16]

文章核心观点 - Zacks Premium为投资者提供利用股市和自信投资的途径，其包含的Zacks Style Scores与Zacks Rank结合，能帮助投资者挑选更可能跑赢市场的股票，如Unum Group（UNM）因有较好的评级和分数值得投资者关注 [1][2][23] Zacks Premium及相关工具 - Zacks Premium包含Zacks Style Scores，后者是基于三种流行投资类型对股票评级的准则，作为Zacks Rank的补充指标，二者结合助投资者选未来30天更可能跑赢市场的证券 [2] - Zacks Style Scores分为价值、成长、动量和VGM四类分数，价值分数用多种比率选有吸引力和被低估的股票，成长分数分析盈利等特征找可持续增长股票，动量分数用价格和盈利预期变化指示建仓时机，VGM分数结合所有风格分数 [3][11][17] - Zacks Rank是利用盈利预期修正来构建投资组合的股票评级模型，自1988年以来，评级为1（强力买入）的股票年均回报率达+25.41%，超标普500指数表现两倍多 [5][13] 投资建议 - 为实现回报最大化，应购买Zacks Rank为1或2且Style Scores为A或B的股票，若为3（持有）评级，也需分数为A或B以确保上行潜力 [6] - 选择股票时，盈利预期修正方向是关键因素，因Style Scores与Zacks Rank协同工作 [20] 公司案例：Unum Group（UNM） - UNM由Provident Companies和Unum Corporation于1999年6月合并而成，提供残疾、长期护理、人寿保险等服务，业务分多个板块 [16] - 两名分析师上调UNM 2024财年盈利预期，Zacks共识预期从每股0美元增至8.25美元，平均盈利惊喜为3.8% [16] - UNM在Zacks Rank中评级为3（持有），VGM分数为B，价值风格分数为A，因其有吸引力的估值指标如6.47的远期市盈率，值得投资者关注 [8][22][23]

文章核心观点 - 公司预计2024年二季度收益同比下降但收入增长，实际结果与预期的对比或影响短期股价，虽不像是盈利超预期的有力候选，但投资者在财报发布前还应关注其他因素 [6][11][19] 公司业绩预期 - 公司预计2024年二季度每股收益2.02美元，同比下降1.9%，收入32.3亿美元，同比增长3.7% [7][14] - 公司上一季度预期每股收益1.97美元，实际为2.12美元，盈利超预期7.61% [5] 盈利预测模型 - Zacks Earnings ESP模型核心是公司财报发布前的预测修正能反映业务状况，正的Earnings ESP结合Zacks Rank 1、2或3时是盈利超预期的有力预测指标 [3][8] - 公司的Most Accurate Estimate低于Zacks Consensus Estimate，Earnings ESP为 -1.04%，显示分析师近期对公司盈利前景悲观 [12][13] 预测修正趋势 - 过去30天，本季度的共识每股收益预测下调0.13%，反映分析师重新评估初始预测 [22] 盈利惊喜历史 - 过去四个季度，公司三次超出共识每股收益预期，但盈利超预期或未达预期并非股价涨跌的唯一因素 [17] 综合评估 - 负的Earnings ESP读数难以预测盈利超预期，结合公司Zacks Rank 3，难以确定公司会超出共识每股收益预期 [4][16] - 投资者在公司季度财报发布前应查看Earnings ESP和Zacks Rank，并利用Earnings ESP Filter筛选股票 [18]

文章核心观点 - 文章分析了三家生命和健康保险公司Manulife、Prudential和Unum,认为Unum是最具投资价值的公司 [2][3] - 文章认为Unum在市场地位、财务实力、人口趋势和运营效率方面具有优势 [4][5] - 文章认为Unum的股息增长率和估值指标都优于同行 [10][11][18][19] 公司概况 - Unum是一家领先的福利产品提供商,主要业务包括团体和个人残疾保险、人寿保险和长期护理服务 [4] - Unum在美国市场占据主导地位,同时在英国和波兰也有业务,并有全球合作伙伴 [4] 财务表现 - Unum过去10年保持了稳定的每股收益增长,盈利能力指标也优于同行 [13][14][15] - Unum的财务健康状况良好,损失率和费用率都较低,资产负债表也较为稳健 [16][17] 股息分析 - Unum过去10年股息增长率接近10%,增长持续性强,派息率较低 [10][11][12] - 相比同行,Unum的股息增长更具吸引力 [10] 估值分析 - Unum当前估值水平低于历史平均水平和同行,分析师给出的目标价格较当前价格有11%的上涨空间 [18][19]

Cash flow can come from bond interest, interest from other types of investments, and of course, dividends. A dividend is that coveted distribution of a company's earnings paid out to shareholders, and investors often view it by its dividend yield, a metric that measures the dividend as a percent of the current stock price. Many academic studies show that dividends make up large portions of long-term returns, and in many cases, dividend contributions surpass one-third of total returns. Based in Chattanooga, ...

Developed alongside the Zacks Rank, the Zacks Style Scores are a group of complementary indicators that help investors pick stocks with the best chances of beating the market over the next 30 days. Growth investors, on the other hand, are more concerned with a company's financial strength and health, and its future outlook. The Growth Style Score examines things like projected and historic earnings, sales, and cash flow to find stocks that will experience sustainable growth over time. The Zacks Rank is a pr ...

About Unum Group Visit the Unum Group newsroom for more information, and connect with us on LinkedIn, Facebook and Instagram. CHATTANOOGA, Tenn., July 12, 2024 /PRNewswire/ -- Effective July 12, 2024, the Unum Group (NYSE:UNM) Board of Directors declared a quarterly dividend of $0.420 per share on its common stock to be paid August 16, 2024, to stockholders of record as of July 26, 2024. Unum Group (NYSE: UNM), a leading international provider of workplace benefits and services, has been helping workers and ...

Stocks to Consider Amynta Group is a leading insurance services provider. Following its acquisition, the stop-loss business will operate as a full-service managing general underwriter under Amynta Risk Solutions. The addition of Unum's Medical Stop Loss business will enhance Amynta Group's product portfolio and help it serve clients better with comprehensive solutions. The Zacks Consensus Estimate for PRA's 2024 and 2025 earnings suggests 371.4% and 72.6% year-over-year growth, respectively. John Doucette, ...

"We are pleased to enter into an agreement to sell our Stop Loss operations to Amynta," said Marco Forato, senior vice president and chief strategy officer at Unum Group. "This transaction places the future of the Stop Loss business in capable hands and poised for strong growth while enabling Unum to continue its focus on key enterprise priorities." Piper Sandler & Co. served as financial advisor and Faegre Drinker Biddle & Reath LLP served as legal advisor to Unum Group. Visit theUnum Group newsroomfor mor ...

J. Michael Jones Seeking Alpha In my past analysis, I assumed $0 value for Closed Block and do not expect any financial benefits to accrue from the entity. This is an important to point to emphasize because Unum has a $68.73 book value excluding unrealized security losses that sit in accumulated other comprehensive income (AOCI). Unum US has $4.8 billion of equity ex-AOCI , Unum International has $870 million, Colonial Life has $2.05 billion, and the Closed Block has $5.05 billion. The Closed Block contribu ...