Discounted Cash Flow
Unum Group
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $11.0b | $931.4m | $1.0b | 8.4% | $3.96 |
| 2017 | $11.3b (2.2%) | $994.2m (6.7%) | $1.0b (1.3%) | 8.8% (4.5%) | $4.39 (10.9%) |
| 2018 | $11.6b (2.8%) | $523.4m (-47.4%) | $1.4b (33.4%) | 4.5% (-48.8%) | $2.38 (-45.8%) |
| 2019 | $12.0b (3.5%) | $1.1b (110.2%) | $1.6b (14.2%) | 9.2% (103.2%) | $5.25 (120.6%) |
| 2020 | $13.2b (9.7%) | $793.0m (-27.9%) | $478.4m (-69.9%) | 6.0% (-34.3%) | $3.89 (-25.9%) |
| 2021 | $12.0b (-8.7%) | $824.2m (3.9%) | $1.3b (167.0%) | 6.9% (13.9%) | $4.04 (3.9%) |
| 2022 | $12.0b (-0.2%) | $1.3b (59.5%) | $1.3b (3.1%) | 11.0% (59.8%) | $6.55 (62.1%) |
| 2023 | $12.4b (3.3%) | $1.3b (-2.3%) | $1.1b (-18.9%) | 10.4% (-5.4%) | $6.53 (-0.3%) |
| 2024 | $12.9b (4.0%) | $1.8b (38.6%) | $1.4b (29.9%) | 13.8% (33.2%) | $9.49 (45.3%) |
| 2025 | $13.1b (1.5%) | $738.5m (-58.5%) | $555.4m (-60.0%) | 5.6% (-59.1%) | $4.28 (-54.9%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Values abbreviated: b = billions, m = millions, k = thousands.
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.