Unum/$UNM
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Unum
Unum Group is a provider of group and individual income protection insurance products in the United States, the United Kingdom, Poland, and other countries. It is the domestic disability insurer, with the majority of premiums generated from employer plans. The company also offers a complementary portfolio of other insurance products, including long-term care insurance, life insurance, and employer- and employee-paid group benefits. It has the following operating business segments: Unum USA, Unum International, Closed Block, Colonial Life, and Corporate. The Unum USA segment generates the majority of revenue. The firm markets its products through brokers.
- Ticker
- $UNM
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 10,797
- Headquarters
- Chattanooga, United States
- Website
- www.unum.com
Unum Metrics
BasicAdvanced
$14B
21.62
$4.24
0.26
$1.89
2.21%
Price and volume
Market cap
$14B
Beta
0.26
52-week high
$96.77
52-week low
$69.02
Average daily volume
1.7M
Dividend rate
$1.89
Financial strength
Current ratio
17.258
Quick ratio
4.131
Long term debt to equity
0.355
Total debt to equity
0.355
Dividend payout ratio (TTM)
43.76%
Interest coverage (TTM)
5.29%
Profitability
EBITDA (TTM)
1,242.7
Gross margin (TTM)
29.30%
Net profit margin (TTM)
5.26%
Operating margin (TTM)
8.36%
Effective tax rate (TTM)
22.36%
Revenue per employee (TTM)
$1,240,000
Management effectiveness
Return on assets (TTM)
1.10%
Return on equity (TTM)
6.35%
Valuation
Price to earnings (TTM)
21.619
Price to revenue (TTM)
1.135
Price to book
1.34
Price to tangible book (TTM)
1.39
Price to free cash flow (TTM)
21.855
Free cash flow yield (TTM)
4.58%
Free cash flow per share (TTM)
4.191
Dividend yield (TTM)
2.06%
Forward dividend yield
2.21%
Growth
Revenue change (TTM)
3.42%
Earnings per share change (TTM)
-49.67%
3-year revenue growth (CAGR)
3.29%
10-year revenue growth (CAGR)
2.08%
3-year earnings per share growth (CAGR)
-18.25%
10-year earnings per share growth (CAGR)
1.56%
3-year dividend per share growth (CAGR)
12.61%
10-year dividend per share growth (CAGR)
9.58%
What the Analysts think about Unum
Analyst ratings (Buy, Hold, Sell) for Unum stock.
Analyst projections of the future price of Unum stock.
Bulls say / Bears say
Core premiums grew 3.6% year on year on a constant-currency basis in Q2, and Unum maintained its 2026 adjusted EPS growth outlook of 8%–12%. That points to continued growth in its main benefits franchise despite uneven claims trends. (Unum Group)
The planned Fortitude Re transaction will transfer $3.8 billion of individual long-term-care statutory reserves, reducing a persistent source of balance-sheet risk. AM Best also cited Unum’s reinsurance actions as having substantially reduced its individual LTC exposure and capital demands. (StockTitan, AM Best)
Unum reported a 480% risk-based capital ratio and $1.5 billion of holding-company liquidity at the end of Q2, while returning about $750 million to shareholders in the first half. A new $1 billion repurchase authorisation adds scope for further capital returns. (Unum Group, Unum Group)
Unum’s group-disability benefit ratio rose to 65.8% in Q2 from 62.2% a year earlier, above its 62%–64% expectation. Higher short-term disability claims, particularly in paid family and medical leave, are pressuring margins and require substantial repricing. (Unum Group)
The Closed Block reported a $75.4 million adjusted operating loss in Q2, versus a $10.8 million loss a year earlier, while its net premium ratio rose to 97.8%. The figures show that legacy long-term-care exposure remains volatile even as Unum works to reinsure part of it. (Unum Group)
Management expected the UK business to remain under pressure in the second half, although at a lower level than in Q2. The need to reprice that book adds another margin-recovery task alongside the US disability actions. (Investing.com)
Data summarised monthly by Lightyear AI. Last updated on 26 Oct 2026.
Unum Financial Performance
Revenues and expenses
Unum Earnings Performance
Company profitability
Upcoming events
Unum News
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Funds containing Unum
AllEURUSDGBP
Fund name | Fund size | $UNM weighting |
|---|---|---|
iShares Dow Jones U.S. Select Dividend€EXX5 | €412M | 1.04% |
iShares Ageing Population$AGED | $953M | 0.50% |
iShares Ageing Population£AGES | $953M | 0.50% |
iShares Ageing Population€AGED | $903M | 0.50% |
SPDR MSCI USA Small Cap Value Weighted$USSC | $1.1B | 0.39% |
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