(UNM) Unum - Overview
Stock: Disability, Life, Dental, Vision, Accident
| Risk 5d forecast | |
|---|---|
| Volatility | 24.1% |
| Relative Tail Risk | -13.5% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.04 |
| Alpha | -11.44 |
| Character TTM | |
|---|---|
| Beta | 0.816 |
| Beta Downside | 0.966 |
| Drawdowns 3y | |
|---|---|
| Max DD | 19.60% |
| CAGR/Max DD | 1.10 |
EPS (Earnings per Share)
Revenue
Description: UNM Unum January 03, 2026
Unum Group (NYSE: UNM) and its subsidiaries deliver employer-sponsored financial protection benefits across the United States, United Kingdom, and Poland, operating through four segments: Unum US, Unum International, Colonial Life, and a Closed Block unit. Its product suite spans group long- and short-term disability, group life, accidental death & dismemberment, as well as supplemental voluntary offerings such as individual disability, dental, vision, cancer, and critical-illness coverage. The firm also provides group pension solutions, corporate-owned life policies, reinsurance pools, and related administrative services, selling primarily via field sales teams, independent brokers, consultants, and contractor agents.
Key recent metrics (2023) include total revenue of roughly $13 billion, a combined ratio of 93 % for its disability and life lines, and a return on equity near 10 %. The business is highly sensitive to interest-rate environments-higher rates boost investment income but can increase policy lapse rates-while demographic trends (an aging workforce and rising chronic-illness prevalence) drive demand for supplemental and critical-illness products. Regulatory changes in the U.K. and Poland, particularly around solvency and capital requirements, also shape underwriting profitability.
For a deeper, data-driven view of Unum’s valuation dynamics, you might explore the analyst tools on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income: 738.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA -1.85 > 1.0 |
| NWC/Revenue: 6.44% < 20% (prev 7.39%; Δ -0.96% < -1%) |
| CFO/TA 0.01 > 3% & CFO 329.8m > Net Income 738.5m |
| Net Debt (3.61b) to EBITDA (1.15b): 3.13 < 3 |
| Current Ratio: 2.07 > 1.5 & < 3 |
| Outstanding Shares: last quarter (168.0m) vs 12m ago -7.49% < -2% |
| Gross Margin: 36.78% > 18% (prev 0.50%; Δ 3628 % > 0.5%) |
| Asset Turnover: 20.27% > 50% (prev 20.51%; Δ -0.24% > 0%) |
| Interest Coverage Ratio: 4.17 > 6 (EBITDA TTM 1.15b / Interest Expense TTM 208.8m) |
Altman Z'' 1.09
| A: 0.01 (Total Current Assets 1.59b - Total Current Liabilities 766.9m) / Total Assets 63.52b |
| B: 0.21 (Retained Earnings 13.35b / Total Assets 63.52b) |
| C: 0.01 (EBIT TTM 871.3m / Avg Total Assets 62.94b) |
| D: 0.22 (Book Value of Equity 11.56b / Total Liabilities 52.98b) |
| Altman-Z'' Score: 1.09 = BB |
Beneish M -2.71
| DSRI: 0.98 (Receivables 1.43b/1.46b, Revenue 12.76b/12.79b) |
| GMI: 1.36 (GM 36.78% / 50.01%) |
| AQI: 1.00 (AQ_t 0.97 / AQ_t-1 0.97) |
| SGI: 1.00 (Revenue 12.76b / 12.79b) |
| TATA: 0.01 (NI 738.5m - CFO 329.8m) / TA 63.52b) |
| Beneish M-Score: -2.71 (Cap -4..+1) = A |
What is the price of UNM shares?
Over the past week, the price has changed by +1.01%, over one month by -3.70%, over three months by -2.07% and over the past year by +0.82%.
Is UNM a buy, sell or hold?
- 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 | 94.2 | 27.9% |
| Analysts Target Price | 94.2 | 27.9% |
UNM Fundamental Data Overview February 21, 2026
P/E Forward = 7.8309
P/S = 0.9402
P/B = 1.0882
P/EG = 2.5
Revenue TTM = 12.76b USD
EBIT TTM = 871.3m USD
EBITDA TTM = 1.15b USD
Long Term Debt = 3.47b USD (from longTermDebt, two quarters ago)
Short Term Debt = 274.9m USD (from shortTermDebt, two quarters ago)
Debt = 3.77b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 3.61b USD (from netDebt column, last quarter)
Enterprise Value = 15.90b USD (12.29b + Debt 3.77b - CCE 158.2m)
Interest Coverage Ratio = 4.17 (Ebit TTM 871.3m / Interest Expense TTM 208.8m)
EV/FCF = 67.59x (Enterprise Value 15.90b / FCF TTM 235.3m)
FCF Yield = 1.48% (FCF TTM 235.3m / Enterprise Value 15.90b)
FCF Margin = 1.84% (FCF TTM 235.3m / Revenue TTM 12.76b)
Net Margin = 5.79% (Net Income TTM 738.5m / Revenue TTM 12.76b)
Gross Margin = 36.78% ((Revenue TTM 12.76b - Cost of Revenue TTM 8.07b) / Revenue TTM)
Gross Margin QoQ = 66.33% (prev 21.99%)
Tobins Q-Ratio = 0.25 (Enterprise Value 15.90b / Total Assets 63.52b)
Interest Expense / Debt = 1.40% (Interest Expense 52.6m / Debt 3.77b)
Taxrate = 20.28% (44.3m / 218.4m)
NOPAT = 694.6m (EBIT 871.3m * (1 - 20.28%))
Current Ratio = 2.07 (Total Current Assets 1.59b / Total Current Liabilities 766.9m)
Debt / Equity = 0.34 (Debt 3.77b / totalStockholderEquity, last quarter 11.12b)
Debt / EBITDA = 3.13 (Net Debt 3.61b / EBITDA 1.15b)
Debt / FCF = 15.34 (Net Debt 3.61b / FCF TTM 235.3m)
Total Stockholder Equity = 11.14b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.17% (Net Income 738.5m / Total Assets 63.52b)
RoE = 6.63% (Net Income TTM 738.5m / Total Stockholder Equity 11.14b)
RoCE = 5.96% (EBIT 871.3m / Capital Employed (Equity 11.14b + L.T.Debt 3.47b))
RoIC = 4.66% (NOPAT 694.6m / Invested Capital 14.89b)
WACC = 7.09% (E(12.29b)/V(16.06b) * Re(8.92%) + D(3.77b)/V(16.06b) * Rd(1.40%) * (1-Tc(0.20)))
Discount Rate = 8.92% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -7.28%
[DCF Debug] Terminal Value 82.14% ; FCFF base≈696.2m ; Y1≈729.5m ; Y5≈848.3m
Fair Price DCF = 86.94 (EV 18.01b - Net Debt 3.61b = Equity 14.41b / Shares 165.7m; r=7.09% [WACC]; 5y FCF grow 5.18% → 2.90% )
EPS Correlation: -19.74 | EPS CAGR: 9.63% | SUE: -0.39 | # QB: 0
Revenue Correlation: 67.49 | Revenue CAGR: 0.22% | SUE: -4.0 | # QB: 0
EPS next Quarter (2026-03-31): EPS=2.11 | Chg30d=-0.068 | Revisions Net=-2 | Analysts=10
EPS current Year (2026-12-31): EPS=8.81 | Chg30d=-0.502 | Revisions Net=-6 | Growth EPS=+8.4% | Growth Revenue=-2.5%
EPS next Year (2027-12-31): EPS=9.88 | Chg30d=-0.327 | Revisions Net=-1 | Growth EPS=+12.1% | Growth Revenue=+4.4%