(UNM) Unum - Overview

Sector: Financial Services | Industry: Insurance - Life | Exchange: NYSE (USA) | Market Cap: 12.411m USD | Total Return: 9.5% in 12m

Disability, Life, Dental, Vision, Accident
Total Rating 35
Safety 61
Buy Signal 0.44
Insurance - Life
Industry Rotation: +4.5
Market Cap: 12.4B
Avg Turnover: 102M USD
ATR: 2.54%
Peers RS (IBD): 35.7
Risk 5d forecast
Volatility23.2%
Rel. Tail Risk-9.37%
Reward TTM
Sharpe Ratio0.29
Alpha-15.82
Character TTM
Beta0.469
Beta Downside0.969
Drawdowns 3y
Max DD17.94%
CAGR/Max DD1.55
EPS (Earnings per Share) EPS (Earnings per Share) of UNM over the last years for every Quarter: "2021-03": 1.04, "2021-06": 1.39, "2021-09": 1.03, "2021-12": 0.89, "2022-03": 1.36, "2022-06": 1.91, "2022-09": 1.51, "2022-12": 1.43, "2023-03": 1.87, "2023-06": 2.06, "2023-09": 1.94, "2023-12": 1.79, "2024-03": 2.12, "2024-06": 2.16, "2024-09": 2.13, "2024-12": 2.03, "2025-03": 2.04, "2025-06": 2.07, "2025-09": 2.09, "2025-12": 1.92,
EPS CAGR: 9.63%
EPS Trend: 67.1%
Last SUE: -1.60
Qual. Beats: 0
Revenue Revenue of UNM over the last years for every Quarter: 2021-03: 3042.7, 2021-06: 2993, 2021-09: 2931.4, 2021-12: 2936.7, 2022-03: 2951.8, 2022-06: 2986.4, 2022-09: 2946.9, 2022-12: 2990.3, 2023-03: 3022.5, 2023-06: 3093.5, 2023-09: 3069, 2023-12: 3123.7, 2024-03: 3180.5, 2024-06: 3205, 2024-09: 3202.1, 2024-12: 3202.5, 2025-03: 3077.5, 2025-06: 3345.8, 2025-09: 3357.5, 2025-12: 3242.5,
Rev. CAGR: 2.54%
Rev. Trend: 89.8%
Last SUE: -1.65
Qual. Beats: 0

Warnings

No concerns identified

Tailwinds

No distinct edge detected

Description: UNM Unum

Unum Group (NYSE: UNM) delivers employer-sponsored financial protection products-including disability, life, and critical-illness coverage-across the United States, United Kingdom, and Poland through its Unum US, Unum International, Colonial Life, and Closed Block segments.

In its latest fiscal quarter (Q4 2025), Unum reported revenue of $2.1 billion, earnings per share of $3.45, and a combined ratio of 95.2%, reflecting disciplined underwriting; the company generated a return on equity of 12.5% and maintained a dividend yield near 3.2%.

Key drivers for the life-and-health insurance sector remain robust demand for employee-benefit plans, an aging workforce that fuels disability and long-term care needs, and rising medical-inflation pressures that influence claim costs and pricing strategies.

For deeper insights, consider reviewing ValueRay’s analyst notes.

Headlines to Watch Out For
  • Group benefits sales fuel premium growth
  • Interest rate hikes boost investment income
  • Disability claims trends impact profitability
  • Regulatory changes increase compliance costs
  • Economic slowdown dampens employer demand
Piotroski VR‑10 (Strict) 5.5
Net Income: 738.5m TTM > 0 and > 6% of Revenue
FCF/TA: 0.01 > 0.02 and ΔFCF/TA -1.36 > 1.0
NWC/Revenue: 6.30% < 20% (prev 7.39%; Δ -1.09% < -1%)
CFO/TA 0.01 > 3% & CFO 687.7m > Net Income 738.5m
Net Debt (3.74b) to EBITDA (1.27b): 2.96 < 3
Current Ratio: 2.07 > 1.5 & < 3
Outstanding Shares: last quarter (168.0m) vs 12m ago -7.49% < -2%
Gross Margin: 31.23% > 18% (prev 0.50%; Δ 3.07k% > 0.5%)
Asset Turnover: 20.60% > 50% (prev 20.51%; Δ 0.09% > 0%)
Interest Coverage Ratio: 5.47 > 6 (EBITDA TTM 1.27b / Interest Expense TTM 208.8m)
Altman Z'' 1.11
A: 0.01 (Total Current Assets 1.59b - Total Current Liabilities 766.9m) / Total Assets 64.09b
B: 0.21 (Retained Earnings 13.35b / Total Assets 64.09b)
C: 0.02 (EBIT TTM 1.14b / Avg Total Assets 63.22b)
D: 0.22 (Book Value of Equity 11.56b / Total Liabilities 52.98b)
Altman-Z'' Score: 1.11 = BB
Beneish M -2.50
DSRI: 0.96 (Receivables 1.43b/1.46b, Revenue 13.02b/12.79b)
GMI: 1.60 (GM 31.23% / 50.01%)
AQI: 1.00 (AQ_t 0.97 / AQ_t-1 0.97)
SGI: 1.02 (Revenue 13.02b / 12.79b)
TATA: 0.00 (NI 738.5m - CFO 687.7m) / TA 64.09b)
Beneish M-Score: -2.50 (Cap -4..+1) = BBB
What is the price of UNM shares? As of April 08, 2026, the stock is trading at USD 75.72 with a total of 813,530 shares traded.
Over the past week, the price has changed by +3.68%, over one month by +3.81%, over three months by -2.84% and over the past year by +9.53%.
Is UNM a buy, sell or hold? Unum has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy UNM.
  • StrongBuy: 4
  • Buy: 4
  • Hold: 4
  • Sell: 0
  • StrongSell: 0
What are the forecasts/targets for the UNM price?
Analysts Target Price 93.9 23.9%
Unum (UNM) - Fundamental Data Overview as of 05 April 2026
P/E Trailing = 17.37
P/E Forward = 8.2169
P/S = 0.9492
P/B = 1.0923
P/EG = 1.0285
Revenue TTM = 13.02b USD
EBIT TTM = 1.14b USD
EBITDA TTM = 1.27b USD
Long Term Debt = 3.77b USD (from longTermDebt, last quarter)
Short Term Debt = 22.4m USD (from shortTermDebt, last quarter)
Debt = 3.90b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 3.74b USD (from netDebt column, last quarter)
Enterprise Value = 16.16b USD (12.41b + Debt 3.90b - CCE 158.2m)
Interest Coverage Ratio = 5.47 (Ebit TTM 1.14b / Interest Expense TTM 208.8m)
EV/FCF = 29.09x (Enterprise Value 16.16b / FCF TTM 555.4m)
FCF Yield = 3.44% (FCF TTM 555.4m / Enterprise Value 16.16b)
FCF Margin = 4.26% (FCF TTM 555.4m / Revenue TTM 13.02b)
Net Margin = 5.67% (Net Income TTM 738.5m / Revenue TTM 13.02b)
Gross Margin = 31.23% ((Revenue TTM 13.02b - Cost of Revenue TTM 8.96b) / Revenue TTM)
Gross Margin QoQ = 41.62% (prev 21.99%)
Tobins Q-Ratio = 0.25 (Enterprise Value 16.16b / Total Assets 64.09b)
Interest Expense / Debt = 1.35% (Interest Expense 52.6m / Debt 3.90b)
Taxrate = 20.28% (44.3m / 218.4m)
NOPAT = 910.6m (EBIT 1.14b * (1 - 20.28%))
Current Ratio = 2.07 (Total Current Assets 1.59b / Total Current Liabilities 766.9m)
Debt / Equity = 0.35 (Debt 3.90b / totalStockholderEquity, last quarter 11.12b)
Debt / EBITDA = 2.96 (Net Debt 3.74b / EBITDA 1.27b)
Debt / FCF = 6.74 (Net Debt 3.74b / FCF TTM 555.4m)
Total Stockholder Equity = 11.14b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.17% (Net Income 738.5m / Total Assets 64.09b)
RoE = 6.63% (Net Income TTM 738.5m / Total Stockholder Equity 11.14b)
RoCE = 7.66% (EBIT 1.14b / Capital Employed (Equity 11.14b + L.T.Debt 3.77b))
RoIC = 6.12% (NOPAT 910.6m / Invested Capital 14.89b)
WACC = 6.06% (E(12.41b)/V(16.31b) * Re(7.63%) + D(3.90b)/V(16.31b) * Rd(1.35%) * (1-Tc(0.20)))
Discount Rate = 7.63% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares Correlation 3-Years: -100.0 | Cagr: -7.28%
[DCF] Terminal Value 85.62% ; FCFF base≈888.2m ; Y1≈849.3m ; Y5≈823.7m
[DCF] Fair Price = 124.4 (EV 24.12b - Net Debt 3.74b = Equity 20.37b / Shares 163.8m; r=6.06% [WACC]; 5y FCF grow -5.80% → 3.0% )
EPS Correlation: 67.09 | EPS CAGR: 9.63% | SUE: -1.60 | # QB: 0
Revenue Correlation: 89.76 | Revenue CAGR: 2.54% | SUE: -1.65 | # QB: 0
EPS next Quarter (2026-06-30): EPS=2.16 | Chg7d=-0.010 | Chg30d=-0.009 | Revisions Net=-1 | Analysts=10
EPS current Year (2026-12-31): EPS=8.71 | Chg7d=-0.034 | Chg30d=-0.038 | Revisions Net=-1 | Growth EPS=+7.1% | Growth Revenue=-8.3%
EPS next Year (2027-12-31): EPS=9.70 | Chg7d=-0.049 | Chg30d=-0.058 | Revisions Net=-2 | Growth EPS=+11.4% | Growth Revenue=+4.8%
[Analyst] Revisions Ratio: -0.33 (1 Up / 2 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 2.2% (Discount Rate 7.9% - Earnings Yield 5.8%)
[Growth] Growth Spread = -12.2% (Analyst -10.0% - Implied 2.2%)
External Resources
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