Unum Group UNM

92.09 0.98 1.08% as of 25 Sep
Market cap
$14.4B
P/E
21.5×
Growth Flags show if company had growth for consecutive years

Insider Decisions

Total sells 4.49
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — 2 1 — 2 2 1 — — — — 3
Insider Ownership 1.80%

Capital & Financial Ratios

Market Cap 14,420.00
Revenue 13,347.70
Net Income 702.70
Free Cash Flow 693.00
Net Debt 3,564.60
Current Ratio 0.28
Debt/Equity 0.35
P/E ratio 21.47
P/S ratio 1.10
P/B ratio 1.36
Past 5Y EPS Growth 12.53%
This Y EPS Growth 6.59%
Next Y EPS Growth 9.06%
Next 5Y EPS Growth 8.99%
in millions of $

Dividends

Payout Ratio 0.18
Annual Dividend Rate 1.46
Annual Dividend Yield 3.24%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 1.93
0.46
0.46
0.51
2025 1.76
0.42
0.42
0.46
0.46
2024 1.57
0.37
0.37
0.42
0.42
2023 1.39
0.33
0.33
0.37
0.37
2022 1.26
0.30
0.30
0.33
0.33
2021 1.17
0.29
0.29
0.30
0.30
2020 1.14
0.29
0.29
0.29
0.29
2019 1.09
0.26
0.26
0.29
0.29
2018 0.98
0.23
0.23
0.26
0.26
2017 0.86
0.20
0.20
0.23
0.23
2016 0.77
0.19
0.19
0.20
0.20
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 146 163 158 199
Receivables 10,652 9,755 13,004 12,721
Inventory — — — —
Other — — — —
10,798 9,918 13,163 12,921
2023 2024 2025 Q'26
Payables 47,673 44,351 45,546 45,633
ST’ Debt — 275 — —
Other — — — —
47,673 44,625 45,546 45,633
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 2.00% (0.13%) 2.95%
Cash Flow (6.11%) 7.94% (21.45%)
Earnings (1.59%) (1.41%) (19.34%)
Book Value 2.53% 0.45% 8.38%

Revenue

Mar Jun Sep Dec Year
’26 3,355 3,370 — — —
’25 3,092 3,361 3,378 3,244 13,076
’24 3,200 3,233 3,217 3,237 12,887
’23 3,036 3,112 3,093 3,145 12,386
’22 2,981 3,040 2,959 3,005 11,984
’21 3,072 2,993 2,970 2,973 12,008
’20 2,871 3,021 2,996 4,274 13,162
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 341 504 — — —
’25 354 348 (372) 358 688
’24 298 339 390 486 1,513
’23 151 314 395 344 1,203
’22 326 459 277 357 1,419
’21 (194) 676 425 480 1,388
’20 220 633 426 (809) 469
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 301 474 — — —
’25 318 320 (403) 320 555
’24 270 311 352 454 1,388
’23 122 286 362 298 1,068
’22 304 436 251 326 1,317
’21 (225) 649 400 452 1,277
’20 181 594 404 (829) 350
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 1.41 1.61 — — —
’25 1.06 1.92 0.23 1.04 4.27
’24 2.04 2.05 3.46 1.92 9.46
’23 1.80 1.98 1.02 1.69 6.50
’22 1.25 1.83 2.04 1.39 6.50
’21 0.75 0.89 1.60 1.55 4.02
’20 0.79 1.30 1.13 0.66 3.89
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1.7
1Buy 2 3Hold 4 5Sell
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
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
33.23% 33.65% 27.05% 33.66% 28.17% 32.81% 37.22% 37.07% 41.61% 33.28%
Gross Margin
1,348 1,404 628 1,382 964 1,261 1,750 1,640 2,251 934
EBT
12.20% 12.44% 5.41% 11.52% 7.32% 10.50% 14.60% 13.24% 17.47% 7.14%
EBT Margin
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
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
(0.36) (0.46) (0.66) (0.72) (0.58) (0.54) (0.51) (0.69) (0.67) (0.77)
Capex/Sh
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
0.94 1.10 0.56 0.51 0.35 0.42 0.67 0.73 1.06 1.02
PS Ratio
1.16 1.30 0.75 0.61 0.43 0.44 0.92 0.93 1.25 1.20
PB Ratio
1.24 1.35 0.82 0.78 0.62 0.73 0.95 0.99 1.34 1.32
EV/Sales
13.19 14.44 6.84 6.43 23.47 6.88 8.65 11.49 12.45 31.07
EV/FCF
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
1,037 1,059 1,392 1,456 350 1,277 1,317 1,068 1,388 555
FCF
(41,171) (42,752) (42,124) (45,421) (41,067) (39,539) (35,226) (36,875) (34,707) (32,383)
Working Cap'
2,999 2,938 2,971 3,327 3,346 3,442 3,430 3,430 3,740 3,768
Total Debt
2,899 2,861 2,877 3,243 3,149 3,367 3,311 3,284 3,577 3,609
Net Debt
8,968 9,575 8,622 9,965 10,871 11,416 8,735 9,651 10,961 11,119
Sh' Equity
1.52% 1.58% 0.83% 1.71% 1.15% 1.39% 2.14% 2.06% 2.84% 1.18%
ROA
7.10% 7.06% 3.41% 6.54% 4.30% 5.33% 9.08% 7.92% 9.68% 3.96%
ROIC
10.56% 10.72% 5.75% 11.84% 7.61% 8.80% 13.97% 13.96% 17.26% 6.69%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

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.

Source: company filings (standardised) and stockrow calculations.

Unum Group (UNM) Latest News

News by impact score

Fine-tune

18 Sep

4

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.

3

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

4

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

3

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

3

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.

3

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

3

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

3 transcript

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

4

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.

3

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.

3

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

3

Unum Group Q2 earnings and revenues beat estimates driven by solid premium growth. Q2 earnings beat signals moderately positive financial momentum for Unum Group.

3

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

3

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.

3

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.

3 earnings

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

3

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

3

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

4

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.

3

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

4

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.

3

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

3

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

4

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.

4

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

3

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

3

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

3

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

3

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.

3

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.

stockrow.com/UNM · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com