(UNM) Unum - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US91529Y1064
Stock: Disability, Life, Dental, Vision, Accident
Total Rating 26
Risk 59
Buy Signal -0.19
| Risk 5d forecast | |
|---|---|
| Volatility | 27.4% |
| Relative Tail Risk | -12.7% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.17 |
| Alpha | -17.84 |
| Character TTM | |
|---|---|
| Beta | 0.504 |
| Beta Downside | 1.008 |
| Drawdowns 3y | |
|---|---|
| Max DD | 17.94% |
| CAGR/Max DD | 1.44 |
EPS (Earnings per Share)
Revenue
Description: UNM Unum February 25, 2026
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, 0-10) 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 3073 % > 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 March 09, 2026, the stock is trading at USD 73.52 with a total of 1,759,088 shares traded.
Over the past week, the price has changed by +1.96%, over one month by +2.54%, over three months by +1.57% and over the past year by -2.70%.
Over the past week, the price has changed by +1.96%, over one month by +2.54%, over three months by +1.57% and over the past year by -2.70%.
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?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 93.2 | 26.7% |
| Analysts Target Price | 93.2 | 26.7% |
UNM Fundamental Data Overview March 05, 2026
P/E Trailing = 17.1874
P/E Forward = 7.722
P/S = 0.9392
P/B = 1.0406
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 = 16.03b USD (12.28b + Debt 3.90b - CCE 158.2m)
Interest Coverage Ratio = 5.47 (Ebit TTM 1.14b / Interest Expense TTM 208.8m)
EV/FCF = 28.85x (Enterprise Value 16.03b / FCF TTM 555.4m)
FCF Yield = 3.47% (FCF TTM 555.4m / Enterprise Value 16.03b)
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 16.03b / 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 = 6.16% (E(12.28b)/V(16.18b) * Re(7.77%) + D(3.90b)/V(16.18b) * Rd(1.35%) * (1-Tc(0.20)))
Discount Rate = 7.77% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -7.28%
[DCF] Terminal Value 84.79% ; FCFF base≈888.2m ; Y1≈849.1m ; Y5≈821.7m
[DCF] Fair Price = 115.9 (EV 22.72b - Net Debt 3.74b = Equity 18.98b / Shares 163.8m; r=6.16% [WACC]; 5y FCF grow -5.80% → 2.90% )
EPS Correlation: 64.84 | EPS CAGR: 9.63% | SUE: -1.52 | # QB: 0
Revenue Correlation: 89.76 | Revenue CAGR: 2.54% | SUE: -1.65 | # QB: 0
EPS next Quarter (2026-06-30): EPS=2.17 | Chg7d=-0.004 | Chg30d=-0.094 | Revisions Net=-5 | Analysts=11
EPS current Year (2026-12-31): EPS=8.75 | Chg7d=-0.032 | Chg30d=-0.565 | Revisions Net=-8 | Growth EPS=+7.6% | Growth Revenue=-6.3%
EPS next Year (2027-12-31): EPS=9.76 | Chg7d=-0.088 | Chg30d=-0.445 | Revisions Net=-5 | Growth EPS=+11.6% | Growth Revenue=+4.7%
[Analyst] Revisions Ratio: -1.00 (0 Up / 5 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 2.1% (Discount Rate 7.9% - Earnings Yield 5.8%)
[Growth] Growth Spread = -9.5% (Analyst -7.4% - Implied 2.1%)
P/E Forward = 7.722
P/S = 0.9392
P/B = 1.0406
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 = 16.03b USD (12.28b + Debt 3.90b - CCE 158.2m)
Interest Coverage Ratio = 5.47 (Ebit TTM 1.14b / Interest Expense TTM 208.8m)
EV/FCF = 28.85x (Enterprise Value 16.03b / FCF TTM 555.4m)
FCF Yield = 3.47% (FCF TTM 555.4m / Enterprise Value 16.03b)
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 16.03b / 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 = 6.16% (E(12.28b)/V(16.18b) * Re(7.77%) + D(3.90b)/V(16.18b) * Rd(1.35%) * (1-Tc(0.20)))
Discount Rate = 7.77% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -7.28%
[DCF] Terminal Value 84.79% ; FCFF base≈888.2m ; Y1≈849.1m ; Y5≈821.7m
[DCF] Fair Price = 115.9 (EV 22.72b - Net Debt 3.74b = Equity 18.98b / Shares 163.8m; r=6.16% [WACC]; 5y FCF grow -5.80% → 2.90% )
EPS Correlation: 64.84 | EPS CAGR: 9.63% | SUE: -1.52 | # QB: 0
Revenue Correlation: 89.76 | Revenue CAGR: 2.54% | SUE: -1.65 | # QB: 0
EPS next Quarter (2026-06-30): EPS=2.17 | Chg7d=-0.004 | Chg30d=-0.094 | Revisions Net=-5 | Analysts=11
EPS current Year (2026-12-31): EPS=8.75 | Chg7d=-0.032 | Chg30d=-0.565 | Revisions Net=-8 | Growth EPS=+7.6% | Growth Revenue=-6.3%
EPS next Year (2027-12-31): EPS=9.76 | Chg7d=-0.088 | Chg30d=-0.445 | Revisions Net=-5 | Growth EPS=+11.6% | Growth Revenue=+4.7%
[Analyst] Revisions Ratio: -1.00 (0 Up / 5 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 2.1% (Discount Rate 7.9% - Earnings Yield 5.8%)
[Growth] Growth Spread = -9.5% (Analyst -7.4% - Implied 2.1%)