(UNM) Unum - Overview
Stock: Disability, Life, Dental, Vision, Accident
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.32% |
| Yield on Cost 5y | 8.83% |
| Yield CAGR 5y | 10.75% |
| Payout Consistency | 96.4% |
| Payout Ratio | 29.5% |
| Risk 5d forecast | |
|---|---|
| Volatility | 23.2% |
| Relative Tail Risk | -12.0% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.00 |
| Alpha | -15.35 |
| Character TTM | |
|---|---|
| Beta | 0.817 |
| Beta Downside | 0.958 |
| Drawdowns 3y | |
|---|---|
| Max DD | 19.60% |
| CAGR/Max DD | 1.24 |
Description: UNM Unum January 03, 2026
Unum Group (NYSE: UNM) and its subsidiaries deliver employer-sponsored financial protection benefits across the United States, United Kingdom, and Poland, operating through four segments: Unum US, Unum International, Colonial Life, and a Closed Block unit. Its product suite spans group long- and short-term disability, group life, accidental death & dismemberment, as well as supplemental voluntary offerings such as individual disability, dental, vision, cancer, and critical-illness coverage. The firm also provides group pension solutions, corporate-owned life policies, reinsurance pools, and related administrative services, selling primarily via field sales teams, independent brokers, consultants, and contractor agents.
Key recent metrics (2023) include total revenue of roughly $13 billion, a combined ratio of 93 % for its disability and life lines, and a return on equity near 10 %. The business is highly sensitive to interest-rate environments-higher rates boost investment income but can increase policy lapse rates-while demographic trends (an aging workforce and rising chronic-illness prevalence) drive demand for supplemental and critical-illness products. Regulatory changes in the U.K. and Poland, particularly around solvency and capital requirements, also shape underwriting profitability.
For a deeper, data-driven view of Unum’s valuation dynamics, you might explore the analyst tools on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 738.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.89 > 1.0 |
| NWC/Revenue: 7.86% < 20% (prev 7.39%; Δ 0.46% < -1%) |
| CFO/TA 0.01 > 3% & CFO 815.6m > Net Income 738.5m |
| Net Debt (3.75b) to EBITDA (1.18b): 3.17 < 3 |
| Current Ratio: 2.33 > 1.5 & < 3 |
| Outstanding Shares: last quarter (168.0m) vs 12m ago -7.49% < -2% |
| Gross Margin: 45.77% > 18% (prev 0.50%; Δ 4527 % > 0.5%) |
| Asset Turnover: 20.67% > 50% (prev 20.51%; Δ 0.16% > 0%) |
| Interest Coverage Ratio: 4.17 > 6 (EBITDA TTM 1.18b / Interest Expense TTM 208.8m) |
Altman Z'' 0.88
| A: 0.02 (Total Current Assets 1.79b - Total Current Liabilities 766.9m) / Total Assets 63.68b |
| B: 0.21 (Retained Earnings 13.25b / Total Assets 63.68b) |
| C: 0.01 (EBIT TTM 871.3m / Avg Total Assets 63.02b) |
| D: 0.0 (Book Value of Equity 0.0 / Total Liabilities 52.77b) |
| Altman-Z'' Score: 0.88 = B |
What is the price of UNM shares?
Over the past week, the price has changed by -2.50%, over one month by -6.67%, over three months by -3.00% and over the past year by -0.32%.
Is UNM a buy, sell or hold?
- StrongBuy: 4
- Buy: 4
- Hold: 4
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the UNM price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 95.3 | 27.8% |
| Analysts Target Price | 95.3 | 27.8% |
| ValueRay Target Price | 90.5 | 21.4% |
UNM Fundamental Data Overview February 08, 2026
P/E Forward = 8.4104
P/S = 0.9717
P/B = 1.1807
P/EG = 2.5
Revenue TTM = 13.02b USD
EBIT TTM = 871.3m USD
EBITDA TTM = 1.18b USD
Long Term Debt = 3.47b USD (from longTermDebt, two quarters ago)
Short Term Debt = 274.9m USD (from shortTermDebt, two quarters ago)
Debt = 3.75b USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = 3.75b USD (using Total Debt 3.75b, CCE unavailable)
Enterprise Value = 16.44b USD (12.70b + Debt 3.75b - (null CCE))
Interest Coverage Ratio = 4.17 (Ebit TTM 871.3m / Interest Expense TTM 208.8m)
EV/FCF = 23.86x (Enterprise Value 16.44b / FCF TTM 689.1m)
FCF Yield = 4.19% (FCF TTM 689.1m / Enterprise Value 16.44b)
FCF Margin = 5.29% (FCF TTM 689.1m / Revenue TTM 13.02b)
Net Margin = 5.67% (Net Income TTM 738.5m / Revenue TTM 13.02b)
Gross Margin = 45.77% ((Revenue TTM 13.02b - Cost of Revenue TTM 7.06b) / Revenue TTM)
Gross Margin QoQ = none% (prev 21.99%)
Tobins Q-Ratio = 0.26 (Enterprise Value 16.44b / Total Assets 63.68b)
Interest Expense / Debt = 1.40% (Interest Expense 52.6m / Debt 3.75b)
Taxrate = 20.28% (44.3m / 218.4m)
NOPAT = 694.6m (EBIT 871.3m * (1 - 20.28%))
Current Ratio = 2.33 (Total Current Assets 1.79b / Total Current Liabilities 766.9m)
Debt / Equity = 0.34 (Debt 3.75b / totalStockholderEquity, two quarters ago 10.91b)
Debt / EBITDA = 3.17 (Net Debt 3.75b / EBITDA 1.18b)
Debt / FCF = 5.44 (Net Debt 3.75b / FCF TTM 689.1m)
Total Stockholder Equity = 11.10b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.17% (Net Income 738.5m / Total Assets 63.68b)
RoE = 6.65% (Net Income TTM 738.5m / Total Stockholder Equity 11.10b)
RoCE = 5.98% (EBIT 871.3m / Capital Employed (Equity 11.10b + L.T.Debt 3.47b))
RoIC = 4.66% (NOPAT 694.6m / Invested Capital 14.89b)
WACC = 7.14% (E(12.70b)/V(16.44b) * Re(8.92%) + D(3.75b)/V(16.44b) * Rd(1.40%) * (1-Tc(0.20)))
Discount Rate = 8.92% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -7.28%
[DCF Debug] Terminal Value 81.93% ; FCFF base≈906.1m ; Y1≈949.5m ; Y5≈1.10b
Fair Price DCF = 115.9 (EV 23.14b - Net Debt 3.75b = Equity 19.40b / Shares 167.3m; r=7.14% [WACC]; 5y FCF grow 5.18% → 2.90% )
EPS Correlation: -19.74 | EPS CAGR: 9.63% | SUE: -0.39 | # QB: 0
Revenue Correlation: 89.82 | Revenue CAGR: 2.55% | SUE: -1.44 | # QB: 0
EPS next Quarter (2026-03-31): EPS=2.16 | Chg30d=-0.033 | Revisions Net=+0 | Analysts=9
EPS current Year (2026-12-31): EPS=9.24 | Chg30d=-0.069 | Revisions Net=-2 | Growth EPS=+13.7% | Growth Revenue=+0.3%
EPS next Year (2027-12-31): EPS=10.16 | Chg30d=-0.059 | Revisions Net=-1 | Growth EPS=+9.9% | Growth Revenue=+7.3%