UNM Stock Analysis: Unum | NYSE
Insurance - Life | NYSE, USA | Market Cap: 14.730m USD | 12M Return: 35.7% | US91529Y1064 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 114M
EPS Trend: -60.8%
Qual. Beats: 0
Rev. Trend: 97.6%
Qual. Beats: 2
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Unum Group is a Chattanooga, Tennessee-based insurance company that provides financial protection benefit solutions across the United States, the United Kingdom, and Poland. Operating through four segments-Unum US, Unum International, Colonial Life, and Closed Block-the company offers a broad portfolio including group long-term and short-term disability, group life, accidental death and dismemberment (AD&D), voluntary and supplemental benefits, individual disability, dental and vision products, as well as accident, sickness, cancer, and critical illness coverage. It also provides group pensions, individual and corporate-owned life insurance, and reinsurance products.
The company primarily sells employer-sponsored coverage for the benefit of employees, distributing its products through field sales personnel, independent brokers, consultants, and an independent contractor agent sales force. Founded in 1848 and formerly known as UnumProvident Corporation, Unum operates in the Life & Health Insurance sub-industry within the Financials sector, a segment focused on underwriting risk across disability, life, and supplemental health products.
- Group disability premium growth lifts Unum US segment margins
- Colonial Life supplemental benefits drive sustained voluntary sales gains
- Higher reinvestment yields expand net investment income across insurance portfolio
| Net Income: 702.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -1.09 > 1.0 |
| NWC/Revenue: 13.04% < 20% (prev 15.31%; Δ -2.27% < -1%) |
| CFO/TA 0.01 > 3% & CFO 830.4m > Net Income 702.7m |
| Net Debt (3.56b) to EBITDA (1.05b): 3.39 < 3 |
| Current Ratio: 17.97 > 1.5 & < 3 |
| Outstanding Shares: last quarter (160.0m) vs 12m ago -8.26% < -2% |
| Gross Margin: 35.70% > 18% (prev 47.86%; Δ -12.16% > 0.5%) |
| Asset Turnover: 20.97% > 50% (prev 20.41%; Δ 0.56% > 0%) |
| Interest Coverage Ratio: 4.29 > 6 (EBIT TTM 905.1m / Interest Expense TTM 211.2m) |
| A: 0.03 (Total Current Assets 1.83b - Total Current Liabilities 101.8m) / Total Assets 63.5b |
| B: 0.22 (Retained Earnings 13.7b / Total Assets 63.5b) |
| C: 0.01 (EBIT TTM 905.1m / Avg Total Assets 63.2b) |
| D: 0.21 (Book Value of Equity 10.8b / Total Liabilities 52.7b) |
| Altman-Z'' = 1.19 = BB |
| DSRI: 1.00 (Receivables 1.63b/1.58b, Revenue 13.2b/12.8b) |
| GMI: 1.34 (GM 47.86% / 35.70%) |
| AQI: 1.02 (AQ_t 0.96 / AQ_t-1 0.95) |
| SGI: 1.03 (Revenue 13.2b / 12.8b) |
| TATA: -0.00 (NI 702.7m - CFO 830.4m) / TA 63.5b) |
| Beneish M = -2.69 (Cap -4..+1) = A |
As of September 03, 2026, the stock is trading at USD 92.80 with a total of 1,040,410 shares traded. Over the past week, the price has changed by +1.41%, over one month by +2.99%, over three months by +10.90% and over the past year by +35.72%.
Current recommended Stop Loss: 90.00 (which is 3% or 1.3 ATR below the current price).
Unum has received a consensus analysts rating of 4.23. Therefore, it is recommended to buy UNM.
- StrongBuy: 7
- Buy: 2
- Hold: 4
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 101.9 | 9.8% |
P/E Trailing = 21.4401
P/E Forward = 8.2169
P/S = 1.1036
P/B = 1.3539
P/EG = 1.0285
Revenue TTM = 13.2b USD
EBIT TTM = 905.1m USD
EBITDA TTM = 1.05b USD
Long Term Debt = 3.76b USD (from longTermDebt, last quarter)
Short Term Debt = 22.4m USD (from shortTermDebt, last fiscal year)
Debt = 3.76b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 3.56b USD (calculated: Debt 3.76b - CCE 199.2m)
Enterprise Value = 18.3b USD (14.7b + Debt 3.76b - CCE 199.2m)
Interest Coverage Ratio = 4.29 (Ebit TTM 905.1m / Interest Expense TTM 211.2m)
EV/FCF = 23.94x (Enterprise Value 18.3b / FCF TTM 764.1m)
FCF Yield = 4.18% (FCF TTM 764.1m / Enterprise Value 18.3b)
FCF Margin = 5.77% (FCF TTM 764.1m / Revenue TTM 13.2b)
Net Margin = 5.30% (Net Income TTM 702.7m / Revenue TTM 13.2b)
Gross Margin = 35.70% ((Revenue TTM 13.2b - Cost of Revenue TTM 8.52b) / Revenue TTM)
Gross Margin QoQ = 39.19% (prev 40.27%)
Tobins Q-Ratio = 0.29 (Enterprise Value 18.3b / Total Assets 63.5b)
Interest Expense / Debt = 5.61% (Interest Expense 211.2m / Debt 3.76b)
Taxrate = 22.36% (202.4m / 905.1m)
NOPAT = 702.7m (EBIT 905.1m * (1 - 22.36%))
Current Ratio = 6.51 (Total Current Assets 1.83b / Total Current Liabilities 280.9m)
Debt / Equity = 0.35 (Debt 3.76b / totalStockholderEquity, last quarter 10.8b)
Debt / EBITDA = 3.39 (Net Debt 3.56b / EBITDA 1.05b)
Debt / FCF = 4.67 (Net Debt 3.56b / FCF TTM 764.1m)
Total Stockholder Equity = 10.9b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.11% (Net Income 702.7m / Total Assets 63.5b)
RoE = 6.43% (Net Income TTM 702.7m / Total Stockholder Equity 10.9b)
RoCE = 6.16% (EBIT 905.1m / Capital Employed (Equity 10.9b + L.T.Debt 3.76b))
RoIC = 1.11% (NOPAT 702.7m / Invested Capital 63.2b)
WACC = 6.68% (E(14.7b)/V(18.5b) * Re(7.27%) + D(3.76b)/V(18.5b) * Rd(5.61%) * (1-Tc(0.22)))
Discount Rate = 7.27% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -99.87 | Cagr: -8.05%
[DCF] Terminal Value 73.10% ; FCFF base≈1.03b ; Y1≈906.7m ; Y5≈732.5m
[DCF] Fair Price = 51.76 (EV 11.8b - Net Debt 3.56b = Equity 8.19b / Shares 158.3m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: -60.78 | EPS CAGR: -7.80% | SUE: 0.04 | # QB: 0
Revenue Correlation: 97.59 | Revenue CAGR: 2.99% | SUE: 1.55 | # QB: 2
EPS current Quarter (2026-09-30): EPS=2.17 | Chg30d=-2.66% | Revisions=-73% | Analysts=9
EPS current Year (2026-12-31): EPS=8.68 | Chg30d=-1.31% | Revisions=-50% | GrowthEPS=+6.7% | GrowthRev=-7.8%
EPS next Year (2027-12-31): EPS=9.46 | Chg30d=-2.16% | Revisions=-77% | GrowthEPS=+9.0% | GrowthRev=+4.6%
[Analyst] Revisions Ratio: -78% (up=2, down=27)