Unum Group (UNM) exhibits 41.0% gross margins and 9.8% return on invested capital within Financials (Accident &Health Insurance), balanced against a 10.5x enterprise multiple and 7.4% implied options volatility.
Sustained 41.0% gross profitability converts into 6.9% operating margin and 9.8% ROIC, outpacing sector cost of capital.
ROIC: 9.8% // GM: 41.0%YoY revenue trajectory of +1.5% paired with 3.83% free cash flow yield supports self-funded R&D and capital return.
REV YOY: +1.5% // FCF YLD: 3.83%Altman Z-Score of 0.85 and Piotroski F-Score of 6/9 indicate low near-term refinancing stress.
ALTMAN Z: 0.85 // F-SCORE: 6/9Trading at 19.6x trailing P/E (18.2x Fwd P/E) leaves valuation vulnerable if real 10Y TIPS yields spike.
P/E: 19.6x // EV/EBITDA: 10.5xOptions market prices a ±7.4% implied move with a 0.75 put/call ratio around $90.00 max pain.
IMPL MOVE: ±7.4% // P/C: 0.75Elevated industry capital intensity and customer concentration in Accident &Health Insurance require continuous execution to defend 5.6% net margins.
NET MARGIN: 5.6% // D/E: 0.34x| FILER | SIDE | $ VALUE |
|---|---|---|
| INSPECT FULL OWNERSHIP LEDGER IN OWN <GO> | ||
| STRIKE / EXP | TYPE | PREMIUM |
|---|---|---|
| INSPECT GEX & CHAIN IN OPT <GO> | ||
Unblur the exact $50,000 delta-adjusted ETF/options hedge ratio for UNM & activate live FRED threshold breach alerts.