Unum Group logo

Unum Group

UNM

NYSEFinancial ServicesInsurance - Life

Latest quote

$87.80

+$0.82 · +0.94%

Aug 21, 3:55 PM ET

UNM company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

68

Undervalued

Momentum

52

Neutral

Sentiment

74

Bullish

Risk resilience

84

Low Risk

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Company profile

Company website

Unum Group, along with its various subsidiaries, specializes in delivering financial protection benefits, primarily operating across the United States, the United Kingdom, and Poland. The company's operations are organized into distinct segments: Unum US, Unum International, Colonial Life, and the Closed Block. Its extensive product portfolio encompasses group coverage, including long-term and short-term disability, life insurance, and accidental death and dismemberment. Additionally, Unum provides a range of supplemental and voluntary offerings like individual disability, various voluntary benefits, and dental and vision plans. Further offerings include policies addressing accidents, sickness, general disability, life coverage, cancer, and critical illness. Beyond these, Unum's services extend to group pension plans, individual life insurance, corporate-owned life insurance (COLI), and the management of reinsurance pools. Its primary clientele consists of employers, who procure these solutions to benefit their workforce. Distribution is handled via a diverse network comprising in-house field sales teams, independent brokers, consultants, and an independent contractor agency sales force. Established in 1848, Unum Group maintains its headquarters in Chattanooga, Tennessee.

Industry
Insurance - Life
Sector
Financial Services
Headquarters
US
CEO
Richard Paul McKenney
Listed since
Nov 6, 1986
Employees
10,797

Market position

Volume
777.35K
0.55× average
Average volume
1.42M
Average daily volume
Market cap
13.89B USD
Beta
0.26
Market reference 1

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
17.11B USD
P/E (TTM)
20.46×
P/B (TTM)
1.3×
P/S (TTM)
1.05×
EV / EBITDA
13.53×
Earnings yield
5.52%
Free cash flow yield
4.15%
Dividend yield
2.15%

Profitability & efficiency

Gross margin
35.70%
Operating margin
6.83%
Net margin
5.30%
Return on equity
6.64%
Return on assets
1.15%
Return on invested capital
1.15%

Financial health

Debt / equity
0.35×
Current ratio

Earnings

EPS beat rate
36%
4 beats, 6 misses, 1 met estimate
Average EPS surprise
-1.35%
11 comparable reports
Latest EPS result
2.16
Estimate 2.16 · Met by 0.00%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates2.322.161.991.83Q1 '25MissQ2 '25MissQ3 '25MissQ4 '25MissQ1 '26MissQ2 '26BeatQ3 '26MetQ4 '26Estimate
Q1 2025, reported Feb 4, 2025: actual 2.03, estimate 2.14, surprise -5.14%, Miss. Q2 2025, reported Apr 29, 2025: actual 2.04, estimate 2.19, surprise -6.85%, Miss. Q3 2025, reported Jul 29, 2025: actual 2.07, estimate 2.23, surprise -7.17%, Miss. Q4 2025, reported Nov 3, 2025: actual 2.09, estimate 2.15, surprise -2.79%, Miss. Q1 2026, reported Feb 5, 2026: actual 1.92, estimate 2.11, surprise -9.00%, Miss. Q2 2026, reported Apr 28, 2026: actual 2.14, estimate 2.05, surprise +4.39%, Beat. Q3 2026, reported Jul 28, 2026: actual 2.16, estimate 2.16, surprise 0.00%, Met estimate. Q4 2026, reported Nov 2, 2026: actual —, estimate 2.18, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates3.5B3.25B3.01B2.76BQ1 '25MissQ2 '25MissQ3 '25BeatQ4 '25BeatQ1 '26MissQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Feb 4, 2025: actual 3.24B USD, estimate 3.29B USD, surprise -1.55%, Miss. Q2 2025, reported Apr 29, 2025: actual 3.08B USD, estimate 3.34B USD, surprise -7.87%, Miss. Q3 2025, reported Jul 29, 2025: actual 3.36B USD, estimate 3.33B USD, surprise +0.92%, Beat. Q4 2025, reported Nov 3, 2025: actual 3.36B USD, estimate 3.33B USD, surprise +0.95%, Beat. Q1 2026, reported Feb 5, 2026: actual 3.24B USD, estimate 3.29B USD, surprise -1.35%, Miss. Q2 2026, reported Apr 28, 2026: actual 3.36B USD, estimate 2.91B USD, surprise +15.12%, Beat. Q3 2026, reported Jul 28, 2026: actual 2.9B USD, estimate 2.9B USD, surprise -0.28%, Miss. Q4 2026, reported Nov 2, 2026: actual —, estimate 2.91B USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$100.5

14.50% upside
Past 12 months12-month forecastHigh $123Average $100.5Low $87.00

Rating distribution

30 ratings
Strong buy13%
Buy1447%
Hold1447%
Sell13%
Strong sell00%

UNM peers

ETFs holding UNM

Funds reporting this stock among their holdings, ordered by reported position size.

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