(UNM) Unum - Ratings and Ratios
Disability Insurance, Life Insurance, Dental And Vision, Supplemental Benefits
UNM EPS (Earnings per Share)
UNM Revenue
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 | 12,504m |
| Sub-Industry | Life & Health Insurance |
| IPO / Inception | 1986-11-06 |
UNM Stock Ratings
| Growth Rating | 70.3% |
| Fundamental | 77.4% |
| Dividend Rating | 71.1% |
| Return 12m vs S&P 500 | -2.53% |
| Analyst Rating | 4.0 of 5 |
UNM Dividends
| Dividend Yield 12m | 2.29% |
| Yield on Cost 5y | 10.02% |
| Annual Growth 5y | 8.33% |
| Payout Consistency | 96.3% |
| Payout Ratio | 28.7% |
UNM Growth Ratios
| Growth Correlation 3m | 68.9% |
| Growth Correlation 12m | 22.2% |
| Growth Correlation 5y | 97.3% |
| CAGR 5y | 25.51% |
| CAGR/Max DD 3y (Calmar Ratio) | 1.30 |
| CAGR/Mean DD 3y (Pain Ratio) | 4.95 |
| Sharpe Ratio 12m | 0.97 |
| Alpha | 13.02 |
| Beta | 0.360 |
| Volatility | 37.91% |
| Current Volume | 1561.7k |
| Average Volume 20d | 1203.7k |
| Stop Loss | 74.4 (-3.1%) |
| Signal | 1.96 |
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income (1.52b TTM) > 0 and > 6% of Revenue (6% = 772.7m TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA -0.03pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 6.69% (prev 109.7%; Δ -103.0pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.03 (>3.0%) and CFO 1.58b > Net Income 1.52b (YES >=105%, WARN >=100%) |
| Net Debt (2.55b) to EBITDA (2.21b) ratio: 1.15 <= 3.0 (WARN <= 3.5) |
| Current Ratio 2.61 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (174.4m) change vs 12m ago -8.35% (target <= -2.0% for YES) |
| Gross Margin 55.81% (prev 96.23%; Δ -40.42pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 22.16% (prev 23.75%; Δ -1.59pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 8.06 (EBITDA TTM 2.21b / Interest Expense TTM 205.7m) >= 6 (WARN >= 3) |
Altman Z'' 1.25
| (A) 0.01 = (Total Current Assets 1.40b - Total Current Liabilities 536.4m) / Total Assets 62.84b |
| (B) 0.21 = Retained Earnings (Balance) 13.29b / Total Assets 62.84b |
| (C) 0.03 = EBIT TTM 1.66b / Avg Total Assets 58.11b |
| (D) 0.26 = Book Value of Equity 11.27b / Total Liabilities 42.92b |
| Total Rating: 1.25 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 77.43
| 1. Piotroski 6.0pt = 1.0 |
| 2. FCF Yield 9.59% = 4.80 |
| 3. FCF Margin 11.21% = 2.80 |
| 4. Debt/Equity 0.33 = 2.45 |
| 5. Debt/Ebitda 1.15 = 1.55 |
| 6. ROIC - WACC (= 3.12)% = 3.89 |
| 7. RoE 13.67% = 1.14 |
| 8. Rev. Trend 81.71% = 6.13 |
| 9. EPS Trend 73.50% = 3.68 |
What is the price of UNM shares?
Over the past week, the price has changed by +4.46%, over one month by -1.77%, over three months by +9.58% and over the past year by +11.88%.
Is Unum a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of UNM is around 86.56 USD . This means that UNM is currently undervalued and has a potential upside of +12.74% (Margin of Safety).
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 | 93.4 | 21.6% |
| Analysts Target Price | 93.4 | 21.6% |
| ValueRay Target Price | 94.3 | 22.8% |
UNM Fundamental Data Overview November 04, 2025
P/E Trailing = 8.8034
P/E Forward = 8.489
P/S = 0.9688
P/B = 1.1826
P/EG = 2.5
Beta = 0.36
Revenue TTM = 12.88b USD
EBIT TTM = 1.66b USD
EBITDA TTM = 2.21b USD
Long Term Debt = 3.47b USD (from longTermDebt, last quarter)
Short Term Debt = 274.8m USD (from shortTermDebt, last quarter)
Debt = 3.74b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.55b USD (from netDebt column, last quarter)
Enterprise Value = 15.05b USD (12.50b + Debt 3.74b - CCE 1.19b)
Interest Coverage Ratio = 8.06 (Ebit TTM 1.66b / Interest Expense TTM 205.7m)
FCF Yield = 9.59% (FCF TTM 1.44b / Enterprise Value 15.05b)
FCF Margin = 11.21% (FCF TTM 1.44b / Revenue TTM 12.88b)
Net Margin = 11.80% (Net Income TTM 1.52b / Revenue TTM 12.88b)
Gross Margin = 55.81% ((Revenue TTM 12.88b - Cost of Revenue TTM 5.69b) / Revenue TTM)
Gross Margin QoQ = 42.48% (prev 40.74%)
Tobins Q-Ratio = 0.24 (Enterprise Value 15.05b / Total Assets 62.84b)
Interest Expense / Debt = 1.39% (Interest Expense 52.0m / Debt 3.74b)
Taxrate = 19.52% (81.4m / 417.0m)
NOPAT = 1.33b (EBIT 1.66b * (1 - 19.52%))
Current Ratio = 2.61 (Total Current Assets 1.40b / Total Current Liabilities 536.4m)
Debt / Equity = 0.33 (Debt 3.74b / totalStockholderEquity, last quarter 11.32b)
Debt / EBITDA = 1.15 (Net Debt 2.55b / EBITDA 2.21b)
Debt / FCF = 1.77 (Net Debt 2.55b / FCF TTM 1.44b)
Total Stockholder Equity = 11.11b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.42% (Net Income 1.52b / Total Assets 62.84b)
RoE = 13.67% (Net Income TTM 1.52b / Total Stockholder Equity 11.11b)
RoCE = 11.37% (EBIT 1.66b / Capital Employed (Equity 11.11b + L.T.Debt 3.47b))
RoIC = 9.02% (NOPAT 1.33b / Invested Capital 14.79b)
WACC = 5.91% (E(12.50b)/V(16.25b) * Re(7.34%) + D(3.74b)/V(16.25b) * Rd(1.39%) * (1-Tc(0.20)))
Discount Rate = 7.34% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -5.54%
[DCF Debug] Terminal Value 79.45% ; FCFE base≈1.36b ; Y1≈1.48b ; Y5≈1.86b
Fair Price DCF = 189.9 (DCF Value 32.34b / Shares Outstanding 170.3m; 5y FCF grow 9.83% → 3.0% )
EPS Correlation: 73.50 | EPS CAGR: 12.15% | SUE: -1.08 | # QB: 0
Revenue Correlation: 81.71 | Revenue CAGR: 4.71% | SUE: 0.29 | # QB: 0
Additional Sources for UNM Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle