BVMF/U1NM34 (BVMF/U1NM34)

Brazil Stock Exchange: BVMF/U1NM34 · BRL

R$29.2

+0.00 (0.0%)· Recorded snapshot

Market cap	76.8B
Revenue (ttm)	69.2B
Net income (ttm)	3.6B
EPS (ttm)	R$2.83
P/E (trailing)	10.3x
P/E (forward)	10.4x
Dividend	R$0.83 (2.85%)
Volume	7
Beta	0.24

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 69.2B
Net income (ttm): 3.6B
EPS (ttm): R$2.83
P/E (trailing): 10.3x
P/E (forward): 10.4x
Market cap: 76.8B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-29 19:55 UTC

Forward P/E10.4

P25 n/aP50 n/aP75 n/a

Trailing P/E10.3

P25 n/aP50 n/aP75 n/a

ROE6.4

P25 n/aP50 n/aP75 n/a

ROIC5.8

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BVMF/U1NM34 indicators

Market & fundamental data

Available fields

215

Groups with data

Currency

USD

Showing 215 of 215 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	BRL
Country	United States
Country code	BR
Earnings date	2026-11-03
Employees	10,797
Employees change	-153
Employees growth	-1.38%
Enterprise value	BRL 97.1B
Exchange	Brazil Stock Exchange
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-07-12
Fiscal year end	December
Founded	1848
Industry	Insurance - Life
Is primary listing	No
ISIN number	BRU1NMBDR007
Last earnings date	2026-07-28
Last refreshed	2026-10-29
Last stock split date	2026-08-10
Last stock split type	Forward
Market cap	BRL 76.8B
Next earnings date	2026-11-03
Price	BRL 29.22
Price currency	BRL
Sector	Financials
SIC code	6321
Stock price date	2026-10-27
Symbol	bvmf/U1NM34
Website	https://www.unum.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	9x
Average P/E ratio (3Y)	10.8x
Average P/E ratio (5Y)	8.87x
Earnings yield	9.69%
EV/Earnings	26.68x
EV/EBIT	16.19x
EV/EBITDA	14.15x
EV/FCF	27.05x
EV/Sales	1.35x
FCF / EV yield	3.7%
FCF yield	4.68%
Forward P/E	10.41x
Graham number	52.33755
Graham upside	-11.77%
Lynch fair value	BRL 14.07
Lynch upside	-76.29%
P/B ratio	1.37x
P/E ratio	10.32x
P/FCF ratio	21.38x
P/OCF ratio	17.84x
P/S ratio	1.11x
Price / tangible book value	1.42x
Price/EBITDA ratio	11.75x
Sector forward P/E	7.94x
Sector P/E	8.93x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	8.36%
EBITDA margin	9.45%
Effective tax rate	22.36%
FCF margin	5.03%
Gross margin	29.3%
Operating margin	8.36%
Pretax margin	6.78%
Profit margin	5.26%
Profit per employee	BRL 337,181
Profitable quarters	31
Profitable years	21
Revenue per employee	BRL 6.4M
ROA	1.1%
ROA (5Y)	1.73%
ROCE	1.78%
ROE	6.35%
ROE (5Y)	12.14%
ROIC	5.83%
ROIC (5Y)	10.18%
Tax / revenue	1.52%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	-49.67%
EPS growth (Q)	-16.2%
EPS growth (QoQ)	14.12%
EPS growth 10Y	1.56%
EPS growth 3Y	-18.25%
EPS growth 5Y	4.31%
EPS growth years	0
FCF growth	-52.01%
FCF growth (Q)	48.17%
FCF growth (QoQ)	57.47%
FCF growth 3Y	-11.04%
Net income growth	-53.74%
Net income growth (Q)	-23.45%
Net income growth (QoQ)	10.73%
Net income growth 3Y	-23.19%
Net income growth 5Y	0.01%
Net income growth years	0
OCF growth	-47.36%
OCF growth (Q)	44.68%
OCF growth (QoQ)	47.74%
OCF growth 10Y	-3.01%
OCF growth 3Y	-8.9%
OCF growth 5Y	52.98%
Revenue growth	3.42%
Revenue growth (Q)	0.26%
Revenue growth (QoQ)	0.44%
Revenue growth 10Y	2.08%
Revenue growth 3Y	3.29%
Revenue growth 5Y	0.02%
Revenue growth quarters	5
Revenue growth years	3

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	BRL -711.8M
EBIT	BRL 5.8B
EBITDA	BRL 6.5B
EPS	BRL 2.83
Financing cash flow	BRL -5.2B
Free cash flow	BRL 3.6B
Gross profit	BRL 20.3B
Income taxes	BRL 1B
Investing cash flow	BRL -4.3B
Net borrowing	BRL 73.8M
Net cash flow	BRL -5.2B
Net income	BRL 3.6B
Operating income	BRL 5.8B
Revenue	BRL 69.2B

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	BRL 353.76
Debt / EBITDA	3.12
Debt / equity	0.37
Debt / FCF	5.75
Goodwill	BRL 1.9B
Interest coverage	5.29
Net cash (debt)	BRL -19.6B
Net cash / market cap	-25.56%
Net debt / EBITDA	3
Net debt / equity	0.35
Net debt / FCF	5.46
Piotroski F-Score	6
Property, plant and equipment	BRL 2.7B
Shareholders' equity	BRL 56B
Tangible book value	BRL 54.2B
Tangible book value per share	BRL 342.21
Total assets	BRL 328.9B
Total cash	BRL 10.7B
Total debt	BRL 20.7B
Total liabilities	BRL 272.9B
WACC	5.27%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.21
Current ratio	17.26
Net working capital	BRL 75.7B
Quick ratio	4.13
Working capital	BRL 75.5B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	8.15%
Dividend growth	1.58%
Dividend growth (3Y)	12.39%
Dividend growth (5Y)	9.12%
Dividend growth years	5
Dividend payment date	2026-11-26
Dividend payment years	7
Dividend payout frequency	Quarterly
Dividend per share	BRL 0.83
Dividend yield	2.85%
Ex-dividend date	2026-10-29
Last dividend	BRL 0.22
Payout ratio	43.76%
Shareholder yield	9.56%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	BRL 35.19
1D price change	0%
1W price change	-48.63%
1W total return	-48.44%
20-day SMA	BRL 56.56
200-day SMA	BRL 31.30
3M price change	-50.18%
3M total return	-49.81%
3Y price change	-4.79%
3Y return CAGR	0.22%
3Y total return	0.67%
50-day SMA	BRL 49.70
50-day SMA vs 200-day SMA	50over200
52-week high	BRL 59.32
52-week high date	2026-10-27
52-week low	BRL 29.22
52-week low date	2026-10-05
5Y price change	47.29%
5Y return CAGR	10.34%
5Y total return	63.51%
All-time high	BRL 60.92
All-time high date	2025-03-19
All-time low	BRL 6.41
All-time low date	2020-03-23
Average true range (ATR)	BRL 4.02
Average volume	49.9
Beta (5Y)	0.24
Change from 52-week high	-50.74%
Change from 52-week low	0%
Change from all-time high	-52.03%
Change from all-time low	355.57%
Change from open	0%
Day's gap	0%
Dollar volume	BRL 205
High price	BRL 29.22
Low price	BRL 29.22
Monthly RSI	66.95
Open price	BRL 29.22
Previous close	BRL 29.22
Price vs 150-day SMA	-16.95%
Price vs 20-day SMA	-48.34%
Price vs 200-day SMA	-6.65%
Price vs 50-day SMA	-41.21%
Relative volume	0.14
RSI	58.8
Sharpe ratio	2.1
Sortino ratio	3.82
Volume	7
Weekly RSI	85.71

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	143.4M
Shares change (QoQ)	-2.66%
Shares change (YoY)	-8.15%
Shares held by insiders	0.96%
Shares held by institutions	82.16%
Short ratio	3 days

Deeper analysis on BVMF/U1NM34

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this BVMF/U1NM34 report

Is a complete BVMF/U1NM34 research report available?

No complete published report is available for bvmf/U1NM34 (BVMF/U1NM34) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

BVMF/U1NM34 (BVMF/U1NM34)

Price

Financial snapshot

Fair-value bridge

Latest news · BVMF/U1NM34

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BVMF/U1NM34 indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BVMF/U1NM34

Frequently asked questions