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| Metrics | Range | Conclusion |
|---|---|---|
| Selected LTM P/E Multiple | -36.8x - -40.7x | -38.8x |
| Selected Fwd P/E Multiple | -52.9x - -58.5x | -55.7x |
| Fair Value | $23 - $25.43 | $24.22 |
| Upside | -25.8% - -18.0% | -21.9% |
| 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 / LTM EPS 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% | -718.8% | 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% | -2.5% | 6.4% | 28.8% | 3.2% | -1.0% | ||
| Latest Twelve Months | 13.8% | -2.5% | 6.4% | 28.8% | 3.2% | -1.0% | ||
| Current Trading Multiples | ||||||||
| EV / LTM EBITDA | 6.7x | -23.5x | 1.6x | 9.4x | 10.5x | -104.2x | ||
| Price / LTM Sales | 1.0x | 0.1x | 0.8x | 3.1x | 0.6x | 0.6x | ||
| LTM P/E Ratio | 7.5x | -5.8x | 12.6x | 10.8x | 17.0x | -60.5x | ||
| Low | Mid | High | ||||||
| Benchmark LTM P/E Ratio | -5.8x | 10.8x | 17.0x | |||||
| Historical LTM P/E Ratio | -131.1x | -29.4x | 18.0x | |||||
| Selected P/E Multiple | -36.8x | -38.8x | -40.7x | |||||
| (x) LTM Net Income | (5) | (5) | (5) | |||||
| (=) Equity Value | 183 | 192 | 202 | |||||
| (/) Shares Outstanding | 9.7 | 9.7 | 9.7 | |||||
| Implied Value Range | 18.88 | 19.87 | 20.87 | |||||
| FX Rate: USD/USD | 1.0 | 1.0 | 1.0 | Market Price | ||||
| Implied Value Range (Trading Cur) | 18.88 | 19.87 | 20.87 | 31.00 | ||||
| Upside / (Downside) | -39.1% | -35.9% | -32.7% | |||||
| Equity Value | |||||||
| Benchmark Companies | |||||||
| (in millions) | UNM | AAME | AIZ | AFL | RGA | KCLI | |
| Value of Common Equity | 13,112 | 27 | 9,339 | 57,294 | 11,969 | 300 | |
| (/) Shares Outstanding | 176.8 | 20.4 | 50.8 | 545.8 | 66.0 | 9.7 | |
| Implied Stock Price | 74.17 | 1.33 | 183.87 | 104.97 | 181.28 | 31.00 | |
| FX Conversion Rate to Trading Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |
| Implied Stock Price (Trading Cur) | 74.17 | 1.33 | 183.87 | 104.97 | 181.28 | 31.00 | |
| 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 | |