UNM Stock Analysis: Unum | NYSE
Insurance - Life | NYSE, USA | Market Cap: 14.754m USD | 12M Return: 15.2% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 129M
EPS Trend: -34.5%
Qual. Beats: 0
Rev. Trend: 97.7%
Qual. Beats: 1
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 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: 781.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -1.16 > 1.0 |
| NWC/Revenue: 12.93% < 20% (prev 8.23%; Δ 4.69% < -1%) |
| CFO/TA 0.01 > 3% & CFO 674.9m > Net Income 781.4m |
| Net Debt (3.57b) to EBITDA (1.33b): 2.69 < 3 |
| Current Ratio: 20.63 > 1.5 & < 3 |
| Outstanding Shares: last quarter (164.4m) vs 12m ago -8.10% < -2% |
| Gross Margin: 33.89% > 18% (prev 48.74%; Δ -14.85% > 0.5%) |
| Asset Turnover: 21.25% > 50% (prev 20.31%; Δ 0.94% > 0%) |
| Interest Coverage Ratio: 5.73 > 6 (EBIT TTM 1.20b / Interest Expense TTM 209.9m) |
| A: 0.03 (Total Current Assets 1.81b - Total Current Liabilities 87.6m) / Total Assets 62.7b |
| B: 0.22 (Retained Earnings 13.5b / Total Assets 62.7b) |
| C: 0.02 (EBIT TTM 1.20b / Avg Total Assets 62.6b) |
| D: 0.21 (Book Value of Equity 10.9b / Total Liabilities 51.8b) |
| Altman-Z'' = 1.23 = BB |
| DSRI: 0.99 (Receivables 1.61b/1.56b, Revenue 13.3b/12.7b) |
| GMI: 1.44 (GM 48.74% / 33.89%) |
| AQI: 1.00 (AQ_t 0.96 / AQ_t-1 0.96) |
| SGI: 1.05 (Revenue 13.3b / 12.7b) |
| TATA: 0.00 (NI 781.4m - CFO 674.9m) / TA 62.7b) |
| Beneish M = -2.60 (Cap -4..+1) = A |
As of July 05, 2026, the stock is trading at USD 92.34 with a total of 926,323 shares traded. Over the past week, the price has changed by +3.85%, over one month by +10.57%, over three months by +22.48% and over the past year by +15.15%.
Current recommended Stop Loss: 90.00 (which is 2.5% 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 | 97.6 | 5.7% |
P/E Trailing = 19.987
P/E Forward = 8.2169
P/S = 1.1061
P/B = 1.3407
P/EG = 1.0285
Revenue TTM = 13.3b USD
EBIT TTM = 1.20b USD
EBITDA TTM = 1.33b 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 = 3.57b USD (calculated: Debt 3.76b - CCE 192.6m)
Enterprise Value = 18.3b USD (14.8b + Debt 3.76b - CCE 192.6m)
Interest Coverage Ratio = 5.73 (Ebit TTM 1.20b / Interest Expense TTM 209.9m)
EV/FCF = 23.79x (Enterprise Value 18.3b / FCF TTM 770.1m)
FCF Yield = 4.20% (FCF TTM 770.1m / Enterprise Value 18.3b)
FCF Margin = 5.79% (FCF TTM 770.1m / Revenue TTM 13.3b)
Net Margin = 5.87% (Net Income TTM 781.4m / Revenue TTM 13.3b)
Gross Margin = 33.89% ((Revenue TTM 13.3b - Cost of Revenue TTM 8.79b) / Revenue TTM)
Gross Margin QoQ = 40.27% (prev 41.62%)
Tobins Q-Ratio = 0.29 (Enterprise Value 18.3b / Total Assets 62.7b)
Interest Expense / Debt = 5.58% (Interest Expense 209.9m / Debt 3.76b)
Taxrate = 21.28% (211.2m / 992.6m)
NOPAT = 946.6m (EBIT 1.20b * (1 - 21.28%))
Current Ratio = 6.78 (Total Current Assets 1.81b / Total Current Liabilities 266.7m)
Debt / Equity = 0.35 (Debt 3.76b / totalStockholderEquity, last quarter 10.9b)
Debt / EBITDA = 2.69 (Net Debt 3.57b / EBITDA 1.33b)
Debt / FCF = 4.63 (Net Debt 3.57b / FCF TTM 770.1m)
Total Stockholder Equity = 11.1b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.25% (Net Income 781.4m / Total Assets 62.7b)
RoE = 7.07% (Net Income TTM 781.4m / Total Stockholder Equity 11.1b)
RoCE = 8.11% (EBIT 1.20b / Capital Employed (Equity 11.1b + L.T.Debt 3.76b))
RoIC = 1.52% (NOPAT 946.6m / Invested Capital 62.5b)
WACC = 6.71% (E(14.8b)/V(18.5b) * Re(7.30%) + D(3.76b)/V(18.5b) * Rd(5.58%) * (1-Tc(0.21)))
Discount Rate = 7.30% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -100.00 | Cagr: -7.41%
[DCF] Terminal Value 73.10% ; FCFF base≈1.06b ; Y1≈928.5m ; Y5≈750.1m
[DCF] Fair Price = 53.02 (EV 12.0b - Net Debt 3.57b = Equity 8.47b / Shares 159.8m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: -34.47 | EPS CAGR: -4.30% | SUE: 0.19 | # QB: 0
Revenue Correlation: 97.67 | Revenue CAGR: 3.18% | SUE: 4.0 | # QB: 1
EPS current Quarter (2026-06-30): EPS=2.16 | Chg30d=-0.04% | Revisions=+10% | Analysts=11
EPS next Quarter (2026-09-30): EPS=2.23 | Chg30d=-0.09% | Revisions=+10% | Analysts=11
EPS current Year (2026-12-31): EPS=8.78 | Chg30d=+0.09% | Revisions=+64% | GrowthEPS=+8.0% | GrowthRev=-9.5%
EPS next Year (2027-12-31): EPS=9.73 | Chg30d=-0.13% | Revisions=+22% | GrowthEPS=+10.8% | GrowthRev=+4.2%
[Analyst] Revisions Ratio: +38% (up=22, down=9)