UNMUnum Group
Accident & Health Insurance
- Revenue
- $13.1B
- 1.5% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- $2.5B net debt
- AI in 10-K
- —
Red flags 1 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear93% of net incomeCash flow under 80% of net income
- Dilutive SBCClear0% of revenueOver 10% of revenue
- Payouts exceed cash flowFired191% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear1% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $12.0B | $12.0B | $12.4B | $12.9B | $13.1B | 1.5% |
| Net income | $981M | $1.4B | $1.3B | $1.8B | $739M | 58% |
| Operating cash flow | $1.4B | $1.4B | $1.2B | $1.5B | $688M | 55% |
| Capex | $110M | $102M | $135M | $126M | $132M | 5.3% |
| Stock-based comp | $35M | $53M | $64M | $48M | $54M | 12% |
| Buybacks | $50M | $200M | $250M | $973M | $1.0B | 3.8% |
| Dividends | $239M | $254M | $277M | $297M | $306M | 3.3% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $0 · 0
- Open-market sells, 12 mo
- $2M · 5
- Net
- −$2M
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | $19M | $21M | 399 | 201 |
| FY2024 | $18M | $27M | 367 | 190 |
| FY2023 | $20M | $22M | 221 | 158 |
| FY2022 | $10M | $24M | 194 | 151 |
| FY2021 | $9M | $11M | 112 | 137 |