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| Metrics | Range | Conclusion |
|---|---|---|
| Selected LTM Pb Multiple | 0.5x - 0.6x | 0.5x |
| Historical Pb Multiple | 0.4x - 0.8x | 0.5x |
| Fair Value | $30.33 - $33.52 | $31.92 |
| Upside | -7.6% - 2.1% | -2.8% |
| Benchmarks | - | Full Ticker |
| Unum Group | - | NYSE:UNM |
| Atlantic American Corporation | - | NasdaqGM:AAME |
| Assurant, Inc. | - | NYSE:AIZ |
| Aflac Incorporated | - | NYSE:AFL |
| Reinsurance Group of America, Incorporated | - | NYSE:RGA |
| Kansas City Life Insurance Company | - | OTCPK:KCLI |
| Select Price / Book Ratio | ||||||||
| Benchmark Companies | ||||||||
| UNM | AAME | AIZ | AFL | RGA | KCLI | |||
| NYSE:UNM | NasdaqGM:AAME | NYSE:AIZ | NYSE:AFL | NYSE:RGA | OTCPK:KCLI | |||
| Historical Net Income Growth | ||||||||
| 5Y CAGR | 10.1% | NM- | 21.8% | 10.5% | -3.8% | NM- | ||
| 3Y CAGR | 21.9% | NM- | 8.3% | 8.8% | -15.1% | NM- | ||
| Latest Twelve Months | 38.6% | -648.8% | 18.3% | 16.8% | -20.5% | -109.0% | ||
| Historical Net Income Profit Margin | ||||||||
| 5 Year Average Margin | 9.5% | 1.3% | 6.4% | 22.6% | 4.0% | 2.8% | ||
| Prior Fiscal Year | 10.4% | -0.3% | 5.8% | 24.9% | 4.9% | 9.8% | ||
| Latest Fiscal Year | 13.8% | -2.3% | 6.4% | 28.8% | 3.2% | -1.0% | ||
| Latest Twelve Months | 13.8% | -2.3% | 6.4% | 28.8% | 3.2% | -1.0% | ||
| Return on Equity | ||||||||
| 5 Year Average Margin | 11.7% | 1.6% | 10.2% | 17.2% | 7.2% | 2.5% | ||
| Prior Fiscal Year | 14.0% | -0.5% | 14.2% | 22.1% | 11.2% | 10.0% | ||
| Latest Twelve Months | 17.3% | -4.0% | 15.3% | 22.6% | 7.2% | -0.8% | ||
| Next Fiscal Year | 14.1% | #NUM! | 15.6% | 14.1% | 13.5% | #NUM! | ||
| Two Fiscal Years Forward | 14.2% | 155.5% | 17.0% | 14.3% | 13.0% | -0.9% | ||
| Current Trading Multiples | ||||||||
| Price / LTM Sales | 1.1x | 0.2x | 0.9x | 3.2x | 0.6x | 0.6x | ||
| Price / LTM EPS | 8.2x | -7.6x | 14.1x | 11.3x | 18.4x | -64.0x | ||
| Price / Book | 1.3x | 0.3x | 2.1x | 2.4x | 1.2x | 0.5x | ||
| Price / Fwd Book | 1.3x | -78.2x | 2.0x | 2.4x | 1.1x | 0.6x | ||
| Low | Mid | High | ||||||
| Benchmark P/B Ratio | 0.3x | 1.3x | 2.4x | |||||
| Historical P/B Ratio | 0.4x | 0.5x | 0.8x | |||||
| Selected P/B Multiple | 0.5x | 0.5x | 0.6x | |||||
| (x) Book Value | 581 | 581 | 581 | |||||
| Equity Value | |||||||
| Benchmark Companies | |||||||
| (in millions) | UNM | AAME | AIZ | AFL | RGA | KCLI | |
| Value of Common Equity | 14,496 | 32 | 10,746 | 61,464 | 13,091 | 318 | |
| (/) Shares Outstanding | 176.8 | 20.4 | 50.8 | 546.6 | 66.0 | 9.7 | |
| Implied Stock Price | 82.00 | 1.56 | 211.56 | 112.45 | 198.27 | 32.84 | |
| FX Conversion Rate to Trading Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |
| Implied Stock Price (Trading Cur) | 82.00 | 1.56 | 211.56 | 112.45 | 198.27 | 32.84 | |
| Trading Currency | USD | USD | USD | USD | USD | USD | |
| FX Rate to Reporting Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |