(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 | 43.0% |
| 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) 7.0
| Net Income: 913.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.84 > 1.0 |
| NWC/Revenue: 7.88% < 20% (prev 9.32%; Δ -1.44% < -1%) |
| CFO/TA 0.01 > 3% & CFO 815.6m > Net Income 913.1m |
| Net Debt (3.42b) to EBITDA (1.49b): 2.30 < 3 |
| Current Ratio: 2.33 > 1.5 & < 3 |
| Outstanding Shares: last quarter (170.6m) vs 12m ago -8.72% < -2% |
| Gross Margin: 29.05% > 18% (prev 0.50%; Δ 2854 % > 0.5%) |
| Asset Turnover: 20.32% > 50% (prev 19.82%; Δ 0.50% > 0%) |
| Interest Coverage Ratio: 6.56 > 6 (EBITDA TTM 1.49b / Interest Expense TTM 208.7m) |
Altman Z'' 1.15
| 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: 0.02 (EBIT TTM 1.37b / Avg Total Assets 63.91b) |
| D: 0.21 (Book Value of Equity 11.10b / Total Liabilities 52.77b) |
| Altman-Z'' Score: 1.15 = BB |
Beneish M -2.38
| DSRI: 0.96 (Receivables 1.46b/1.50b, Revenue 12.98b/12.71b) |
| GMI: 1.73 (GM 29.05% / 50.25%) |
| AQI: 1.00 (AQ_t 0.96 / AQ_t-1 0.97) |
| SGI: 1.02 (Revenue 12.98b / 12.71b) |
| TATA: 0.00 (NI 913.1m - CFO 815.6m) / TA 63.68b) |
| Beneish M-Score: -2.38 (Cap -4..+1) = BBB |
What is the price of UNM shares?
Over the past week, the price has changed by -1.86%, over one month by -4.64%, over three months by -2.30% and over the past year by -0.47%.
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 | 95.6 | 28.2% |
| Analysts Target Price | 95.6 | 28.2% |
| ValueRay Target Price | 90.5 | 21.4% |
UNM Fundamental Data Overview February 05, 2026
P/E Forward = 8.3682
P/S = 1.0031
P/B = 1.1744
P/EG = 2.5
Revenue TTM = 12.98b USD
EBIT TTM = 1.37b USD
EBITDA TTM = 1.49b USD
Long Term Debt = 3.47b USD (from longTermDebt, last quarter)
Short Term Debt = 274.9m USD (from shortTermDebt, last quarter)
Debt = 3.75b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 3.42b USD (from netDebt column, last quarter)
Enterprise Value = 16.53b USD (13.11b + Debt 3.75b - CCE 327.9m)
Interest Coverage Ratio = 6.56 (Ebit TTM 1.37b / Interest Expense TTM 208.7m)
EV/FCF = 23.98x (Enterprise Value 16.53b / FCF TTM 689.1m)
FCF Yield = 4.17% (FCF TTM 689.1m / Enterprise Value 16.53b)
FCF Margin = 5.31% (FCF TTM 689.1m / Revenue TTM 12.98b)
Net Margin = 7.03% (Net Income TTM 913.1m / Revenue TTM 12.98b)
Gross Margin = 29.05% ((Revenue TTM 12.98b - Cost of Revenue TTM 9.21b) / Revenue TTM)
Gross Margin QoQ = 21.99% (prev 31.95%)
Tobins Q-Ratio = 0.26 (Enterprise Value 16.53b / Total Assets 63.68b)
Interest Expense / Debt = 1.39% (Interest Expense 52.2m / Debt 3.75b)
Taxrate = 27.16% (14.8m / 54.5m)
NOPAT = 997.5m (EBIT 1.37b * (1 - 27.16%))
Current Ratio = 2.33 (Total Current Assets 1.79b / Total Current Liabilities 766.9m)
Debt / Equity = 0.34 (Debt 3.75b / totalStockholderEquity, last quarter 10.91b)
Debt / EBITDA = 2.30 (Net Debt 3.42b / EBITDA 1.49b)
Debt / FCF = 4.96 (Net Debt 3.42b / FCF TTM 689.1m)
Total Stockholder Equity = 11.10b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.43% (Net Income 913.1m / Total Assets 63.68b)
RoE = 8.23% (Net Income TTM 913.1m / Total Stockholder Equity 11.10b)
RoCE = 9.40% (EBIT 1.37b / Capital Employed (Equity 11.10b + L.T.Debt 3.47b))
RoIC = 6.72% (NOPAT 997.5m / Invested Capital 14.84b)
WACC = 7.16% (E(13.11b)/V(16.85b) * Re(8.92%) + D(3.75b)/V(16.85b) * Rd(1.39%) * (1-Tc(0.27)))
Discount Rate = 8.92% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -6.58%
[DCF Debug] Terminal Value 81.86% ; FCFF base≈906.1m ; Y1≈949.5m ; Y5≈1.10b
Fair Price DCF = 117.2 (EV 23.03b - Net Debt 3.42b = Equity 19.62b / Shares 167.3m; r=7.16% [WACC]; 5y FCF grow 5.18% → 2.90% )
EPS Correlation: -11.14 | EPS CAGR: -30.29% | SUE: -4.0 | # QB: 0
Revenue Correlation: 91.45 | Revenue CAGR: 3.64% | SUE: 0.47 | # QB: 0
EPS next Quarter (2026-03-31): EPS=2.18 | Chg30d=-0.001 | Revisions Net=+0 | Analysts=9
EPS next Year (2026-12-31): EPS=9.30 | Chg30d=+0.147 | Revisions Net=-2 | Growth EPS=+10.4% | Growth Revenue=+3.2%