Unum Group (UNM)
OvervaluedFundamental
50
Price
$90.28
Market Cap
$14.83B
Part 1 · What the company is worth
Overview
Unum Group, together with its subsidiaries, provides financial protection benefit solutions in the United States, the United Kingdom, and Poland. It operates through Unum US, Unum International, Colonial Life, and Closed Block segments. The company offers group long-term and short-term disability, group life, and accidental death and dismemberment products; supplemental and voluntary products, such as voluntary benefits, individual disability, and dental and vision products; and accident, sickness, disability, life, and cancer and critical illness products. It also provides group pensions, individual life and corporate-owned life insurance, reinsurance pools and management operations, and other miscellaneous products. The company sells its products to employers for the benefit of employees. It sells its products through field sales personnel, independent brokers, consultants, and independent contractor agent sales force and brokers. Unum Group was formerly known as UnumProvident Corporation and changed its name to Unum Group in March 2007. The company was founded in 1848 and is based in Chattanooga, Tennessee.
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Direct competitors
Who this company fights with for the same customers
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No competitor list for this company yet.
Balance Sheet & Liquidity
Revenue
$13.35B
Trailing 12 months (through 6/30/2026)
Net Income
$703M
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$555M
Total Equity
$11.12B
Total Liabilities
$52.40B
Current Ratio
-
Interest Coverage
-
Debt/EBITDA
2.98
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
How heavy the debt is
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$60.55
Current Price
$90.28
Margin of Safety
-49.1%
Fair Value Range
$39.36 - $81.74
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
20.95
ROE
6.6%
P/B Ratio
1.32
P/FCF
20.62
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
6.4%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (10)
- EPS shows upward trend
- Price CAGR 7.61%
- P/FCF 20.62
- P/B ratio 1.32
- Positive free cash flow
- CapEx intensity
- Debt/EBITDA
- Low reliance on intangibles
- Earnings quality (operating cash flow / net income) 1.18
- Share dilution -8.0%
Failed (11)
- EPS CAGR 4.57%
- Debt/equity ratio
- Return on tangible assets
- Price below Graham Number
- DCF valuation (Fairly Valued)
- ROE 6.4%
- Revenue growth 5Y -0.1%
- Earnings surprise, average -3.0%
- PEG ratio 11.05
- Net margin trend 5.3% vs 11.8%
- Piotroski F-Score 3/9
Unavailable (6)
- ROIC –
- Gross margin –
- Dividend payout –
- Operating margin –
- Current ratio
- Interest coverage
Piotroski F-Score
Serious financial concerns
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Buying back shares. Shareholder friendly
Institutional Holdings
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Richard Paul McKenney | President, CEO & Director | 56 |
| Mr. Steven Andrew Zabel | Executive VP & CFO | 56 |
| Ms. Shelia D. Anderson | Executive VP and Chief Information & Digital Officer | 60 |
| Ms. Lisa Gonzalez Iglesias CPA, J.D. | Executive VP & General Counsel | 59 |
| Mr. Christopher Wallace Pyne | Executive Vice President of Group Benefits | 55 |
| Mr. Walter Lynn Rice Jr. | Senior VP & Chief Accounting Officer | 55 |
| Mr. J. Matthew Royal | Senior Vice President of Investor Relations & Treasury | - |
| Ms. Elizabeth A. Claire Ahmed | Executive Vice President of People & Communications | 50 |
| Mr. Joseph Richard Foley | Senior Vice President of Corporate Marketing & Public Relations | 69 |
| Mr. Timothy Gerald Arnold | Executive VP of Voluntary Benefits & President of Colonial Life | 62 |
Audit Risk
1
Board Risk
1
Compensation Risk
3
Shareholder Rights Risk
2
Documents
- View document
Annual Report (10-K)
A yearly overview of the business, its financial results, and the risks it faces.
Filed on 2026-02-17
- View document
Quarterly Report (10-Q)
A snapshot of financial performance for the most recent three-month period.
Filed on 2026-07-29
- View document
Current Report (8-K)
An announcement of a major event, such as a leadership change or big news.
Filed on 2026-08-26
via SEC EDGAR
Income History
via SEC EDGAR
Part 2 · The price and its context
This part shows how the price has behaved, not whether the company is worth owning. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Market Reaction Profile
How much UNM moves, measured on its daily prices.
More volatile than 24% of the tracked stocks (90-day volatility).
- Volatility 30d
- 23.7%
- Volatility 90d
- 26.4%
- Beta vs S&P 500 (1y)
- 0.31Correlation 0.17
- Max drawdown (12m)
- -12.1%
- ATR (14d, % of price)
- 2.53%
Earnings reactions
How UNM moved around its past quarterly results.
Next earnings release
Nov 3, 2026 · In 10 days · Time not known
EPS estimate: 2.17Revenue estimate: $3.0B
What usually happens
- Over the last 12 releases the stock moved a median of 4.5% the next day, up or down.
- Next-day moves: up 7, down 5 (out of 12).
Release history
| Date | When | EPS est. | EPS actual | Surprise | Gap | 1 day | 5 days |
|---|---|---|---|---|---|---|---|
| Jul 28, 2026 | After the close | 2.18 | 2.16 | -0.9% | -5.0% | -4.9% | +3.9% |
| Apr 28, 2026 | After the close | 2.09 | 2.14 | +2.5% | +2.8% | +4.5% | +3.9% |
| Feb 5, 2026 | After the close | 2.13 | 1.92 | -10.0% | -6.2% | -1.5% | -6.4% |
| Nov 3, 2025 | After the close | 2.17 | 2.09 | -3.6% | +2.1% | +7.2% | +6.0% |
| Jul 29, 2025 | After the close | n/a | n/a | n/a | -12.3% | -12.2% | -13.5% |
| Apr 29, 2025 | After the close | n/a | n/a | n/a | -6.6% | -2.0% | +0.3% |
| Feb 4, 2025 | After the close | n/a | n/a | n/a | -2.4% | +2.3% | -1.0% |
| Oct 29, 2024 | After the close | n/a | n/a | n/a | +2.8% | +4.5% | +5.3% |
| Jul 30, 2024 | After the close | n/a | n/a | n/a | +2.4% | +6.0% | -2.7% |
| Apr 30, 2024 | After the close | n/a | n/a | n/a | +0.4% | +2.3% | +3.5% |
| Jan 30, 2024 | After the close | n/a | n/a | n/a | +4.5% | +1.0% | -0.6% |
| Oct 31, 2023 | After the close | n/a | n/a | n/a | -5.8% | -13.2% | -10.8% |
Release dates from SEC 8-K filings.
Updated 10/24/2026
Historical statistics for educational purposes only. They are not forecasts and not investment advice.
Price reaction to the news
Latest news on UNM and what the price did next.
- 6/12/2026NegativeTop 2 Financial Stocks That May Fall Off A Cliff This Month
- +1 day
- +0.6%
- +3 days
- -1.1%
Return of the stock minus return of SPY over the same days. A news item close to a price move did not necessarily cause it. Historical data for educational purposes only, not investment advice.
Latest News
Recent headlines for UNM.
- 6/12/2026NEGATIVETop 2 Financial Stocks That May Fall Off A Cliff This Month
Unum Group is flagged as potentially overbought, with its Relative Strength Index (RSI) indicating a strong upward momentum that may not be sustainable. The article suggests that stocks exhibiting such overbought conditions could face significant declines. Investors who prioritize momentum strategies should be cautious, as Unum's current trajectory might be nearing a reversal point, potentially leading to a sharp drop in its stock price this month.