(UNM) Unum - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US91529Y1064

UNM: Insurance, Disability, Life, Accident, Pension, Reinsurance

Unum Group (NYSE:UNM) stands as a prominent provider of financial protection benefits, operating primarily in the United States, the United Kingdom, Poland, and internationally. With a rich history dating back to its founding in 1848, the company has established itself as a stable player in the insurance sector, offering a diverse range of products tailored to meet the needs of employers and their employees.

The companys operations are divided into four distinct segments: Unum US, Unum International, Colonial Life, and Closed Block. Each segment contributes to the companys comprehensive portfolio. Unum US focuses on group long-term and short-term disability insurance, along with group life and accidental death and dismemberment coverage. This segment is complemented by Unum International, which extends similar protections to global markets, adapting products to meet local needs. Colonial Life specializes in supplemental and voluntary benefits, offering individual disability coverage, voluntary benefits, and dental and vision products, allowing employees to customize their coverage. The Closed Block segment manages legacy products, ensuring sustained service to existing policyholders.

Unum Groups product lineup also includes accident, sickness, and disability coverage, as well as life, cancer, and critical illness insurance. Additionally, they provide group pension plans and individual life insurance policies, including corporate-owned life insurance. Their offerings are enhanced by reinsurance pools and management operations, further diversifying their risk management strategies.

The companys distribution network is extensive, utilizing field sales personnel, independent brokers, consultants, and independent contractor agents to reach employers. This multi-channel approach ensures that their products are accessible to a broad range of businesses, from small enterprises to large corporations, thereby protecting millions of employees worldwide.

Headquartered in Chattanooga, Tennessee, Unum Group is a company with a legacy of over 175 years, reflecting its commitment to providing financial security. Investors and fund managers may find value in its strong market presence and diversified product offerings, supported by a robust distribution network and a history of stability in the insurance industry.

Ticker Symbol: UNM Exchange: NYSE Type: Common Stock Country of Origin: United States GICS Sub-Industry: Life & Health Insurance Market Capitalization:

Additional Sources for UNM Stock

UNM Stock Overview

Market Cap in USD 13,262m
Sector Financial Services
Industry Insurance - Life
GiC Sub-Industry Life & Health Insurance
IPO / Inception 1986-11-06

UNM Stock Ratings

Growth Rating 93.7
Fundamental 58.1
Dividend Rating 78.0
Rel. Strength 29.7
Analysts 3.92/5
Fair Price Momentum 99.58 USD
Fair Price DCF 173.05 USD

UNM Dividends

Dividend Yield 12m 2.38%
Yield on Cost 5y 13.40%
Annual Growth 5y 6.61%
Payout Consistency 96.3%

UNM Growth Ratios

Growth Correlation 3m 24%
Growth Correlation 12m 94.5%
Growth Correlation 5y 97.8%
CAGR 5y 43.64%
CAGR/Max DD 5y 1.54
Sharpe Ratio 12m 1.83
Alpha 43.55
Beta 0.711
Volatility 49.30%
Current Volume 1987k
Average Volume 20d 1587k
What is the price of UNM stocks?
As of April 22, 2025, the stock is trading at USD 74.17 with a total of 1,987,006 shares traded.
Over the past week, the price has changed by -3.56%, over one month by -8.81%, over three months by -1.15% and over the past year by +47.13%.
Is Unum a good stock to buy?
Partly, yes. Based on ValueRay Fundamental Analyses, Unum (NYSE:UNM) is currently (April 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 58.12 and therefor a somewhat positive outlook according to the companies health.
Based on ValueRays Analyses, Dividends and Discounted-Cash-Flow, the Fair Value of UNM as of April 2025 is 99.58. This means that UNM is currently undervalued and has a potential upside of +34.26% (Margin of Safety).
Is UNM a buy, sell or hold?
Unum has received a consensus analysts rating of 3.92. Therefor, it is recommend to buy UNM.
  • Strong Buy: 4
  • Buy: 3
  • Hold: 5
  • Sell: 0
  • Strong Sell: 0
What are the forecast for UNM stock price target?
According to ValueRays Forecast Model, UNM Unum will be worth about 107.7 in April 2026. The stock is currently trading at 74.17. This means that the stock has a potential upside of +45.25%.
Issuer Forecast Upside
Wallstreet Target Price 92.9 25.2%
Analysts Target Price 80.4 8.3%
ValueRay Target Price 107.7 45.2%