Want to see UNM full AI Analyst Report?
UNM Stock Chart & Stats
$86.22
$0.20(0.23%)
At close: 4:00 PM EDT
$86.22
$0.20(0.23%)
Day’s Range― - ―
52-Week Range$68.28 - $93.22
Previous Close$86.42
Volume2.32M
Average Volume (3M)1.40M
Market Cap
$14.22B
Enterprise Value$18.07K
Total Cash (Recent Filing)$199.20M
Total Debt (Recent Filing)$3.76B
Price to Earnings (P/E)21.4
Beta0.72
Next Earnings
Nov 03, 2026EPS Estimate
2.17Next Dividend Ex-DateN/A
Dividend Yield2.05%
Share Statistics
EPS (TTM)4.29
Shares Outstanding158,306,800
10 Day Avg. Volume1,203,879
30 Day Avg. Volume1,404,246
Financial Highlights & Ratios
PEG Ratio-0.33
Price to Book (P/B)1.20
Price to Sales (P/S)1.02
P/FCF Ratio24.07
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$102.00Price Target Upside18.30% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering12
EPS Forecast (FY)8.68
Revenue Forecast (FY)$11.81B
Bulls Say, Bears Say
Bulls Say
Capitalization & LeverageUnum’s controlled leverage and sizable equity base provide durable balance-sheet resilience. With debt-to-equity near 0.3–0.4 and strong capital metrics, the firm is positioned to absorb underwriting volatility, maintain regulatory ratios, and fund ongoing business operations and capital returns over the intermediate term.
Cash Generation & Free Cash FlowConsistent operating cash flow and robust free cash flow that equals a high share of reported earnings underpin long-term financial flexibility. Reliable FCF supports dividends, buybacks and reserve funding, reducing reliance on external financing and enabling strategic investments across the 2–6 month horizon.
Closed-block LTC Risk Reduction Via ReinsuranceMaterial reinsurance transactions have meaningfully shrunk legacy long-term care reserve exposure, cutting sensitivity to adverse LTC assumptions. This structural de-risking reduces reserve volatility, lowers capital strain from legacy blocks, and lets management focus capital and underwriting on core employer benefits.
Bears Say
Sharp TTM Revenue And Margin DeclineA steep trailing‑twelve‑month revenue drop and compressed margins signal weakened near‑term earnings power and lower operating leverage. If persistent, this erosion can pressure ROE, reduce internal capital generation, and force tradeoffs between underwriting investments, pricing actions and shareholder distributions in the medium term.
PFML & Short-term Disability PressureElevated paid‑family & medical leave and short‑term disability claims have raised benefit ratios materially. Even with pricing and underwriting actions, incidence and benefit trends can persist through payroll cycles, creating a durable underwriting headwind that weighs on group disability margins and near‑term profitability.
U.K. Group Income Protection UnderperformanceSustained higher claim severity and weaker sales in the U.K. reduce international profitability and may raise the company’s effective tax profile. Fixing underwriting and pricing in this market can take multiple quarters, leaving a persistent drag on consolidated earnings and returns until experience normalizes or actions fully take effect.
Unum Group News
UNM FAQ
What was Unum Group’s price range in the past 12 months?
Unum Group lowest stock price was $68.28 and its highest was $93.22 in the past 12 months.
What is Unum Group’s market cap?
Unum Group’s market cap is $14.22B.
When is Unum Group’s upcoming earnings report date?
Unum Group’s upcoming earnings report date is Nov 03, 2026 which is in 81 days.
How were Unum Group’s earnings last quarter?
Unum Group released its earnings results on Jul 28, 2026. The company reported $2.16 earnings per share for the quarter, the consensus estimate of $2.16 by $0.
Is Unum Group overvalued?
According to Wall Street analysts Unum Group’s price is currently Undervalued.
Does Unum Group pay dividends?
Unum Group pays a Quarterly dividend of $0.505 which represents an annual dividend yield of 2.05%. See more information on Unum Group dividends here
What is Unum Group’s EPS estimate?
Unum Group’s EPS estimate is 2.17.
How many shares outstanding does Unum Group have?
Unum Group has 158,306,800 shares outstanding.
What happened to Unum Group’s price movement after its last earnings report?
Unum Group reported an EPS of $2.16 in its last earnings report, expectations of $2.16. Following the earnings report the stock price went down -4.89%.
Which hedge fund is a major shareholder of Unum Group?
Currently, no hedge funds are holding shares in UNM
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Unum Group Stock Smart Score
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$102.00 (18.30% Upside)
$102.00 (18.30% Upside)
Blogger Sentiment
Bullish
UNM Sentiment 60%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 472.6K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Positive
Last 7 Days ▲ 0.6%
Last 30 Days ▲ 1.2%
Last 30 Days ▲ 1.2%
Technicals
SMA
Positive
20 days / 200 days
Momentum
11.00%
12-Months-Change
Fundamentals
Return on Equity
2.05%
Trailing 12-Months
Asset Growth
-4.51%
Trailing 12-Months
Company Description
Unum Group
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.
UNM Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented a generally positive operational and financial picture: strong sales momentum (Unum U.S. sales +7.4% Q2, +14.3% YTD), record Colonial results, solid ROEs and a robust capital position with continued shareholder capital returns. Management reaffirmed full-year adjusted EPS guidance and highlighted meaningful progress on active management of the closed block (additional $3.8B LTC reinsurance). Offsetting these strengths were near-term challenges driven by elevated PFML/short-term disability experience in U.S. group disability, meaningful earnings pressure and higher claim severity in the U.K. group income protection business, closed-block volatility from group LTC terminations, and GAAP headwinds from transaction amortization and non-contemporaneous reinsurance impacts. Management has set pricing and underwriting actions underway (double-digit PFML rate increases, targeted U.K. pricing/underwriting), and expects many pressures to moderate as actions take effect.View all UNM earnings summariesUNM Stock 12 Month Forecast
Average Price Target
$102.00
▲(18.30% Upside)
Technical Analysis
Lincoln National
―
Primerica
―
Globe Life
―
Jackson Financial Incorporation
―
F&G Annuities & Life Inc
―
Ownership Overview
1.20% Insiders
21.24% Mutual Funds
5.72% Other Institutional Investors
44.87% Public Companies and
Individual Investors