Unum Group UNM
- Market cap
- $14.4B
- P/E
- 21.5×
Follow UNM
Target Price Range
Analyst price targets
Free account| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 23.99 | 43.55 | 26.77 | 24.71 | 9.58 | 21.87 | 24.23 | 36.27 | 44.83 | 66.81 |
Analyst estimates 2026–2028 Powerpack |
Low Price
|
||
| 45.01 | 57.55 | 58.73 | 38.29 | 30.57 | 31.98 | 46.64 | 52.15 | 77.63 | 84.48 |
High Price
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| 9,400 | 9,400 | 9,600 | 10,300 | 10,300 | 10,300 | 10,937 | 10,812 | 11,063 | 10,910 |
Employees
|
|||
| 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
Revenue/Emp
|
|||
| 11,047 | 11,287 | 11,599 | 11,999 | 13,162 | 12,008 | 11,984 | 12,386 | 12,887 | 13,076 |
Revenue
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|||
| 33.23% | 33.65% | 27.05% | 33.66% | 28.17% | 32.81% | 37.22% | 37.07% | 41.61% | 33.28% |
Gross Margin
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|||
| 1,348 | 1,404 | 628 | 1,382 | 964 | 1,261 | 1,750 | 1,640 | 2,251 | 934 |
EBT
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| 12.20% | 12.44% | 5.41% | 11.52% | 7.32% | 10.50% | 14.60% | 13.24% | 17.47% | 7.14% |
EBT Margin
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| 931 | 994 | 523 | 1,100 | 793 | 981 | 1,407 | 1,284 | 1,779 | 739 |
Net Income
|
|||
| 102 | 103 | 101 | 110 | 146 | 120 | 111 | 109 | 116 | 114 |
Depreciation
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|||
| 46.92 | 49.83 | 52.81 | 57.21 | 64.63 | 58.79 | 59.73 | 62.98 | 68.73 | 75.79 |
Revenue/Sh
|
|||
| 3.96 | 4.39 | 2.38 | 5.25 | 3.89 | 4.04 | 6.55 | 6.53 | 9.49 | 4.28 |
Earnings/Sh
|
|||
| 4.76 | 5.14 | 7.00 | 7.66 | 2.30 | 6.79 | 7.07 | 6.12 | 8.07 | 3.99 |
Cash Flow/Sh
|
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| (0.36) | (0.46) | (0.66) | (0.72) | (0.58) | (0.54) | (0.51) | (0.69) | (0.67) | (0.77) |
Capex/Sh
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| 4.40 | 4.67 | 6.34 | 6.94 | 1.72 | 6.25 | 6.56 | 5.43 | 7.40 | 3.22 |
Free CF/Sh
|
|||
| 38.09 | 42.27 | 39.26 | 47.51 | 53.38 | 55.90 | 43.53 | 49.08 | 58.46 | 64.45 |
Book Value/Sh
|
|||
| 235 | 226 | 220 | 210 | 204 | 204 | 201 | 197 | 187 | 173 |
Shares
|
|||
| 11.18 | 12.50 | 12.40 | 5.56 | 5.91 | 5.11 | 6.15 | 7.00 | 7.70 | 18.19 |
PE Ratio
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| 0.94 | 1.10 | 0.56 | 0.51 | 0.35 | 0.42 | 0.67 | 0.73 | 1.06 | 1.02 |
PS Ratio
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| 1.16 | 1.30 | 0.75 | 0.61 | 0.43 | 0.44 | 0.92 | 0.93 | 1.25 | 1.20 |
PB Ratio
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| 1.24 | 1.35 | 0.82 | 0.78 | 0.62 | 0.73 | 0.95 | 0.99 | 1.34 | 1.32 |
EV/Sales
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| 13.19 | 14.44 | 6.84 | 6.43 | 23.47 | 6.88 | 8.65 | 11.49 | 12.45 | 31.07 |
EV/FCF
|
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| 1,122 | 1,164 | 1,537 | 1,607 | 469 | 1,388 | 1,419 | 1,203 | 1,513 | 688 |
Op' Cash Flow
|
|||
| (85) | (105) | (144) | (151) | (119) | (110) | (102) | (135) | (126) | (132) |
Capex
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| 1,037 | 1,059 | 1,392 | 1,456 | 350 | 1,277 | 1,317 | 1,068 | 1,388 | 555 |
FCF
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| (41,171) | (42,752) | (42,124) | (45,421) | (41,067) | (39,539) | (35,226) | (36,875) | (34,707) | (32,383) |
Working Cap'
|
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| 2,999 | 2,938 | 2,971 | 3,327 | 3,346 | 3,442 | 3,430 | 3,430 | 3,740 | 3,768 |
Total Debt
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| 2,899 | 2,861 | 2,877 | 3,243 | 3,149 | 3,367 | 3,311 | 3,284 | 3,577 | 3,609 |
Net Debt
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| 8,968 | 9,575 | 8,622 | 9,965 | 10,871 | 11,416 | 8,735 | 9,651 | 10,961 | 11,119 |
Sh' Equity
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| 1.52% | 1.58% | 0.83% | 1.71% | 1.15% | 1.39% | 2.14% | 2.06% | 2.84% | 1.18% |
ROA
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| 7.10% | 7.06% | 3.41% | 6.54% | 4.30% | 5.33% | 9.08% | 7.92% | 9.68% | 3.96% |
ROIC
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| 10.56% | 10.72% | 5.75% | 11.84% | 7.61% | 8.80% | 13.97% | 13.96% | 17.26% | 6.69% |
ROE
|
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Unum Group peers in Insurance Life
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| GL Globe Life Inc. | $12.9B | 10.9× | Compare |
| JXN Jackson Financial Inc. | $8.8B | 180× | Compare |
| PRI Primerica, Inc. | $8.5B | 11.1× | Compare |
| LNC Lincoln National Corporation | $7.9B | 3.5× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| PUK Prudential Public Limited Company | $31.2B | 17.5× | Compare |
| PRU Prudential Financial, Inc. | $41.0B | 10.8× | Compare |
| CNO CNO Financial Group, Inc. | $5.0B | 18.2× | Compare |
| AFL Aflac Incorporated | $57.2B | 12.1× | Compare |
Unum Group (UNM) key facts
- Unum Group (UNM) is an Insurance Life company in the Financial sector, listed on the New York Stock Exchange.
- Unum Group’s revenue for fiscal 2025 (year ended December 2025) was $13.1 billion, up 1.46% from fiscal 2024.
- As of September 25, 2026, UNM traded at $92.09, a market capitalization of $14.4 billion.
- Unum Group pays an annual dividend of $1.46 per share, a yield of 3.24%, with a payout ratio of 18.1%.
- Return on equity was 6.69% and debt-to-equity 0.35.
Unum Group (UNM) Latest News
18 Sep
Unum Group announces a $1 billion share buyback program. The action prompts questions on whether the stock remains undervalued following the move. A $1 billion buyback constitutes a major capital return that can significantly lift shareholder value and alter stock performance.
GL outperforms industry peers while trading at a discount, with analysis on investment strategies to capitalize on the stock's valuation and performance. Outperformance and discounted trading suggest moderate upside potential but limited fundamental shifts for the company.
17 Sep
Unum Group launches a US$1 billion share buyback and secures AM Best rating reaffirmation, returning capital to shareholders and confirming financial strength. $1 billion buyback constitutes a major capital return initiative that can lift share price and investor sentiment while rating reaffirmation reinforces credit standing.
4 Sep
Unum Group reports Q2 earnings and provides analysis on whether investors should buy, sell, or hold the stock. Q2 earnings results typically produce moderate short-term effects on UNM stock trajectory and sentiment.
27 Aug
Unum (UNM) shares rose 9.4% since the last earnings report on positive results and market reaction. Post-earnings stock gains signal improved results with moderate effects on future trajectory.
Unum Group announces $1B share buyback program to strengthen capital returns. $1B buyback supports shareholder value and stock sentiment without altering core operations or long-term trajectory.
26 Aug
Unum Group board authorizes $1 billion share repurchase program. $1 billion buyback signals capital return to shareholders and can lift near-term stock valuation.
1 Aug
Unum Group Q2 earnings call highlighted financial results, operational updates and strategic outlook for the insurer. Quarterly earnings updates typically deliver moderate influence on near-term stock sentiment and valuation.
30 Jul
Unum Group (UNM) shares are plummeting sharply today on negative developments hitting the insurer. Sharp stock drop signals major negative event likely to hurt near-term performance and sentiment.
Unum Group's Q2 results show mixed segment trends, with rate actions shaping the company's outlook. Mixed Q2 trends and rate actions point to moderate effects on Unum Group's financial trajectory.
Unum (UNM) shows earnings softness despite share buybacks and long-term care reinsurance transactions, raising questions on whether these factors are changing the company's investment case. Earnings softness with buybacks and LTC reinsurance points to moderate influence on Unum financial performance and investor sentiment.
29 Jul
Unum Group Q2 earnings and revenues beat estimates driven by solid premium growth. Q2 earnings beat signals moderately positive financial momentum for Unum Group.
Unum Group held its Q2 2026 earnings call covering financial results, operational metrics and forward guidance. Quarterly earnings and guidance typically move near-term investor sentiment and valuation for the company.
28 Jul
Unum Group reported Q2 earnings with focus on key metrics for performance assessment. Q2 earnings metrics can moderately influence UNM financial outlook and investor views.
Unum Group beat revenue expectations in its Q2 CY2026 results. Revenue beat provides direct positive signal on financial performance that can lift near-term investor sentiment and share price.
Unum Group reported its second quarter 2026 financial results. Quarterly results release key metrics that can shift near-term investor views on performance.
24 Jul
Unum Group prepares to report Q2 earnings with investor expectations focused on upcoming results. Earnings reports influence short-term stock moves but rarely shift long-term fundamentals.
21 Jul
Unum (UNM) earnings are projected to grow, raising investor questions on whether to buy the stock. Earnings growth expectations may moderately shift near-term investor sentiment for UNM without altering long-term fundamentals.
12 Jul
Unum Group entered a $3.8 billion reinsurance agreement to transfer long-term care policy risk and reduce related reserves and volatility. Large-scale reinsurance transaction materially lowers long-term care exposure and strengthens capital position.
Unum Group's stock may already be fully priced despite completion of a 3.8b long-term care reinsurance deal. LTC reinsurance reduces material liabilities yet produces only moderate effects on future performance and valuation.
11 Jul
Unum Group stock fair value estimate raised after long-term care reinsurance deal. Reinsurance transaction reduces long-term care risk exposure and supports improved financial outlook.
Unum Group declared a dividend and entered a reinsurance deal, prompting questions on whether its stock remains undervalued. Dividend is routine while reinsurance deal may moderately influence risk management and financial positioning without fundamentally altering company trajectory.
8 Jul
Unum Group's Unum US segment drives company revenue and earnings growth. Segment performance lifts financial results but lacks evidence of transformative strategic or market shifts.
6 Jul
Fortitude Re announces $3.8 billion long-term care reinsurance agreement with Unum Group. $3.8 billion reinsurance agreement transfers significant long-term care liabilities from Unum Group.
Unum Group announces $3.8 billion long-term care reinsurance transaction with Fortitude Re. Major reinsurance transaction substantially reduces Unum long-term care risk exposure and improves capital position.
14 Jun
Unum Group missed revenue expectations and faced insider selling, raising questions on whether these events undermine its intrinsic value narrative. Revenue miss and insider selling can pressure short-term sentiment and valuation perceptions without fundamentally shifting long-term operations.
9 Jun
Unum Group posted Q1 results benchmarked against life insurance peers, reflecting steady premiums and investment income within sector trends. Q1 benchmarking metrics indicate moderate influence on Unum financial performance and positioning without major trajectory shifts.
7 May
Truist raised its price target on Unum Group (UNM) to $96. Truist raising its price target to $96 indicates positive analyst sentiment toward Unum Group, likely influencing short-to-medium term market performance and investor confidence.
2 May
Unum Group released highlights from its Q1 earnings call, covering financial performance, strategic updates, and forward guidance. Q1 earnings highlights impact financial metrics and investor sentiment but are limited to quarterly results.
Unum Group's (UNM) investment story is shifting as analysts rebalance their views. Analyst view rebalancing moderately influences investor sentiment and Unum Group's market trajectory.