Overview Dividends

(UNM) Unum - Ratings and Ratios

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

Disability Insurance, Life Insurance, Dental And Vision, Supplemental Benefits

UNM EPS (Earnings per Share)

EPS Growth (3Y CAGR): 14.80%
EPS Trend (3Y Correlation): 63.6%

UNM Revenue

Revenue Growth (3Y CAGR): 4.54%
Revenue Trend (3Y Correlation): 84.6%

Risk via 10d forecast
Volatility	26.8%
Value at Risk 5%th	38.7%
Relative Tail Risk	-12.12%

Reward TTM
Sharpe Ratio	0.35
Alpha	0.13

Character TTM
Hurst Exponent	0.405
Beta	0.833
Beta Downside	1.014

Drawdowns 3y
Max DD	19.60%
Mean DD	5.14%
Median DD	3.97%

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.

UNM Stock Overview

Market Cap in USD	13,077m
Sub-Industry	Life & Health Insurance
IPO / Inception	1986-11-06
Return 12m vs S&P 500	-2.63%
Analyst Rating	4.0 of 5

UNM Dividends

Dividend Yield	2.29%
Yield on Cost 5y	9.69%
Yield CAGR 5y	8.33%
Payout Consistency	96.3%
Payout Ratio	21.4%

UNM Growth Ratios

CAGR 3y	27.23%
CAGR/Max DD Calmar Ratio	1.39
CAGR/Mean DD Pain Ratio	5.30
Current Volume	1137.9k
Average Volume	1137.9k

Piotroski VR‑10 (Strict, 0-10) 5.5

Net Income (913.1m TTM) > 0 and > 6% of Revenue (6% = 780.3m TTM)

FCFTA 0.01 (>2.0%) and ΔFCFTA -0.81pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 8.19% (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 (3.75b) to EBITDA (1.35b) ratio: 2.78 <= 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 49.30% (prev 50.25%; Δ -0.95pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 20.63% (prev 19.82%; Δ 0.81pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 6.05 (EBITDA TTM 1.35b / Interest Expense TTM 208.7m) >= 6 (WARN >= 3)

Altman Z'' 1.16

(A) 0.02 = (Total Current Assets 1.40b - Total Current Liabilities 332.1m) / Total Assets 61.96b

(B) 0.21 = Retained Earnings (Balance) 13.25b / Total Assets 61.96b

(D) 0.21 = Book Value of Equity 11.08b / Total Liabilities 52.77b

Total Rating: 1.16 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 65.99

1. Piotroski 5.50pt = 0.50

2. FCF Yield 4.14% = 2.07

3. FCF Margin 5.30% = 1.32

4. Debt/Equity 0.34 = 2.44

5. Debt/Ebitda 2.78 = -1.43

6. ROIC - WACC (= 0.70)% = 0.88

7. RoE 8.23% = 0.69

8. Rev. Trend 84.57% = 6.34

9. EPS Trend 63.61% = 3.18

What is the price of UNM shares?

As of November 14, 2025, the stock is trading at USD 77.00 with a total of 1,137,901 shares traded.
Over the past week, the price has changed by +0.29%, over one month by +2.66%, over three months by +9.09% and over the past year by +10.91%.

Is Unum a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, Unum (NYSE:UNM) is currently (November 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 65.99 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of UNM is around 88.00 USD . This means that UNM is currently undervalued and has a potential upside of +14.29% (Margin of Safety).

Is UNM a buy, sell or hold?

Unum has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy UNM.

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	20.8%
Analysts Target Price	93	20.8%
ValueRay Target Price	95.5	24%

UNM Fundamental Data Overview November 10, 2025

Market Cap USD = 13.08b (13.08b USD * 1.0 USD.USD)
P/E Trailing = 15.1161
P/E Forward = 8.489
P/S = 1.0007
P/B = 1.1826
P/EG = 2.5
Beta = 0.197
Revenue TTM = 13.00b USD
EBIT TTM = 1.26b USD
EBITDA TTM = 1.35b USD
Long Term Debt = 3.47b USD (from longTermDebt, last fiscal year)
Short Term Debt = 274.9m USD (from shortTermDebt, last quarter)
Debt = 3.75b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 3.75b USD (from netDebt column, last quarter)
Enterprise Value = 16.66b USD (13.08b + Debt 3.75b - CCE 162.8m)
Interest Coverage Ratio = 6.05 (Ebit TTM 1.26b / Interest Expense TTM 208.7m)
FCF Yield = 4.14% (FCF TTM 689.1m / Enterprise Value 16.66b)
FCF Margin = 5.30% (FCF TTM 689.1m / Revenue TTM 13.00b)
Net Margin = 7.02% (Net Income TTM 913.1m / Revenue TTM 13.00b)
Gross Margin = 49.30% ((Revenue TTM 13.00b - Cost of Revenue TTM 6.59b) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 31.95%)
Tobins Q-Ratio = 0.27 (Enterprise Value 16.66b / Total Assets 61.96b)
Interest Expense / Debt = 1.39% (Interest Expense 52.2m / Debt 3.75b)
Taxrate = 27.16% (14.8m / 54.5m)
NOPAT = 919.7m (EBIT 1.26b * (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 = 2.78 (Net Debt 3.75b / EBITDA 1.35b)
Debt / FCF = 5.44 (Net Debt 3.75b / FCF TTM 689.1m)
Total Stockholder Equity = 11.10b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.47% (Net Income 913.1m / Total Assets 61.96b)
RoE = 8.23% (Net Income TTM 913.1m / Total Stockholder Equity 11.10b)
RoCE = 8.67% (EBIT 1.26b / Capital Employed (Equity 11.10b + L.T.Debt 3.47b))
RoIC = 6.17% (NOPAT 919.7m / Invested Capital 14.91b)
WACC = 5.47% (E(13.08b)/V(16.82b) * Re(6.74%) + D(3.75b)/V(16.82b) * Rd(1.39%) * (1-Tc(0.27)))
Discount Rate = 6.74% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -6.58%
[DCF Debug] Terminal Value 78.96% ; FCFE base≈906.1m ; Y1≈949.6m ; Y5≈1.11b
Fair Price DCF = 116.0 (DCF Value 19.41b / Shares Outstanding 167.3m; 5y FCF grow 5.18% → 3.0% )
EPS Correlation: 63.61 | EPS CAGR: 14.80% | SUE: -0.50 | # QB: 0
Revenue Correlation: 84.57 | Revenue CAGR: 4.54% | SUE: 0.71 | # QB: 0

Additional Sources for UNM Stock

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