(UNM) Unum - Ratings and Ratios
Disability Insurance, Life Insurance, Dental And Vision, Supplemental Benefits
Dividends
| Dividend Yield | 2.37% |
| Yield on Cost 5y | 8.76% |
| Yield CAGR 5y | 8.33% |
| Payout Consistency | 95.0% |
| Payout Ratio | 28.3% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 23.1% |
| Value at Risk 5%th | 33.8% |
| Relative Tail Risk | -11.09% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.02 |
| Alpha | -13.13 |
| CAGR/Max DD | 1.36 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.440 |
| Beta | 0.827 |
| Beta Downside | 0.996 |
| Drawdowns 3y | |
|---|---|
| Max DD | 19.60% |
| Mean DD | 5.07% |
| Median DD | 3.78% |
Description: UNM Unum October 30, 2025
Unum Group (NYSE: UNM) is a long-standing provider of employer-sponsored benefit solutions, operating in the United States, United Kingdom, and Poland through its Unum US, Unum International, Colonial Life, and Closed Block segments.
The product suite spans group long-term and short-term disability, group life, accidental death & dismemberment, as well as supplemental voluntary benefits such as individual disability, dental, vision, cancer, and critical-illness coverage. It also offers group pension administration, corporate-owned life insurance, and reinsurance pool management.
Distribution is primarily through a mixed channel model: field sales teams, independent brokers, consultants, and an independent-contractor agent network sell policies to employers for employee coverage.
Key recent metrics (2023 10-K): revenue of $12.6 billion, net income of $1.0 billion, operating cash flow of $1.5 billion, and a combined loss-ratio of ≈ 92.5 %-indicating underwriting profitability above the industry median of ~94 % for life & health insurers. Return on equity was ~ 13 %, while the weighted-average duration of the investment portfolio sits near 5 years, making earnings sensitive to the current higher-interest-rate environment.
Sector drivers that materially affect Unum’s outlook include: (1) demographic aging and the growing demand for disability and long-term care coverage; (2) employer cost-containment pressures that favor voluntary, employee-paid benefits; and (3) the prevailing interest-rate climate, which boosts investment income but can increase the cost of liabilities for long-duration policies.
For a deeper quantitative breakdown of Unum’s valuation metrics, the ValueRay platform offers a transparent, data-first view that can help you test these assumptions.
Piotroski VR‑10 (Strict, 0-10) 5.5
| Net Income (913.1m TTM) > 0 and > 6% of Revenue (6% = 779.0m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -0.84pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 8.21% (prev 313.1%; Δ -304.9pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 815.6m <= Net Income 913.1m (YES >=105%, WARN >=100%) |
| Net Debt (3.42b) to EBITDA (1.49b) ratio: 2.30 <= 3.0 (WARN <= 3.5) |
| Current Ratio 4.21 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (170.6m) change vs 12m ago -8.72% (target <= -2.0% for YES) |
| Gross Margin 29.05% (prev 50.25%; Δ -21.20pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 20.32% (prev 19.82%; Δ 0.50pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 6.56 (EBITDA TTM 1.49b / Interest Expense TTM 208.7m) >= 6 (WARN >= 3) |
Altman Z'' 1.15
| (A) 0.02 = (Total Current Assets 1.40b - Total Current Liabilities 332.1m) / Total Assets 63.68b |
| (B) 0.21 = Retained Earnings (Balance) 13.25b / Total Assets 63.68b |
| (C) 0.02 = EBIT TTM 1.37b / Avg Total Assets 63.91b |
| (D) 0.21 = Book Value of Equity 11.10b / Total Liabilities 52.77b |
| Total Rating: 1.15 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 58.27
| 1. Piotroski 5.50pt |
| 2. FCF Yield -3.52% |
| 3. FCF Margin 5.31% |
| 4. Debt/Equity 0.34 |
| 5. Debt/Ebitda 2.30 |
| 6. ROIC - WACC (= -0.52)% |
| 7. RoE 8.23% |
| 8. Rev. Trend 91.45% |
| 9. EPS Trend -11.14% |
What is the price of UNM shares?
Over the past week, the price has changed by -1.21%, over one month by -4.94%, over three months by +1.42% and over the past year by +2.63%.
Is UNM a buy, sell or hold?
- Strong Buy: 4
- Buy: 4
- Hold: 4
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the UNM price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 93.6 | 26% |
| Analysts Target Price | 93.6 | 26% |
| ValueRay Target Price | 91.6 | 23.3% |
UNM Fundamental Data Overview December 03, 2025
P/E Trailing = 14.5455
P/E Forward = 8.3056
P/S = 0.9801
P/B = 1.1653
P/EG = 2.5
Beta = 0.197
Revenue TTM = 12.98b USD
EBIT TTM = 1.37b USD
EBITDA TTM = 1.49b USD
Long Term Debt = 3.47b USD (from longTermDebt, last quarter)
Short Term Debt = 274.9m USD (from shortTermDebt, last quarter)
Debt = 3.75b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 3.42b USD (from netDebt column, last quarter)
Enterprise Value = -19.57b USD (12.81b + Debt 3.75b - CCE 36.12b)
Interest Coverage Ratio = 6.56 (Ebit TTM 1.37b / Interest Expense TTM 208.7m)
FCF Yield = -3.52% (FCF TTM 689.1m / Enterprise Value -19.57b)
FCF Margin = 5.31% (FCF TTM 689.1m / Revenue TTM 12.98b)
Net Margin = 7.03% (Net Income TTM 913.1m / Revenue TTM 12.98b)
Gross Margin = 29.05% ((Revenue TTM 12.98b - Cost of Revenue TTM 9.21b) / Revenue TTM)
Gross Margin QoQ = 21.99% (prev 31.95%)
Tobins Q-Ratio = -0.31 (set to none) (Enterprise Value -19.57b / Total Assets 63.68b)
Interest Expense / Debt = 1.39% (Interest Expense 52.2m / Debt 3.75b)
Taxrate = 27.16% (14.8m / 54.5m)
NOPAT = 997.5m (EBIT 1.37b * (1 - 27.16%))
Current Ratio = 4.21 (Total Current Assets 1.40b / Total Current Liabilities 332.1m)
Debt / Equity = 0.34 (Debt 3.75b / totalStockholderEquity, last quarter 10.91b)
Debt / EBITDA = 2.30 (Net Debt 3.42b / EBITDA 1.49b)
Debt / FCF = 4.96 (Net Debt 3.42b / FCF TTM 689.1m)
Total Stockholder Equity = 11.10b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.43% (Net Income 913.1m / Total Assets 63.68b)
RoE = 8.23% (Net Income TTM 913.1m / Total Stockholder Equity 11.10b)
RoCE = 9.40% (EBIT 1.37b / Capital Employed (Equity 11.10b + L.T.Debt 3.47b))
RoIC = 6.72% (NOPAT 997.5m / Invested Capital 14.84b)
WACC = 7.24% (E(12.81b)/V(16.55b) * Re(9.06%) + D(3.75b)/V(16.55b) * Rd(1.39%) * (1-Tc(0.27)))
Discount Rate = 9.06% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -6.58%
[DCF Debug] Terminal Value 75.41% ; FCFE base≈906.1m ; Y1≈949.6m ; Y5≈1.11b
Fair Price DCF = 96.62 (DCF Value 16.17b / Shares Outstanding 167.3m; 5y FCF grow 5.18% → 3.0% )
EPS Correlation: -11.14 | EPS CAGR: -30.29% | SUE: -4.0 | # QB: 0
Revenue Correlation: 91.45 | Revenue CAGR: 3.64% | SUE: 0.47 | # QB: 0
EPS next Quarter (2026-03-31): EPS=2.18 | Chg30d=-0.032 | Revisions Net=-6 | Analysts=10
EPS next Year (2026-12-31): EPS=9.16 | Chg30d=-0.169 | Revisions Net=-9 | Growth EPS=+10.1% | Growth Revenue=+3.0%
Additional Sources for UNM Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle