Unum/$UNM
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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 majority of the revenue is earned from the Unum USA segment. The firm markets its products through brokers.
Ticker
$UNM
Sector
Primary listing
NYSE
Employees
10,948
Headquarters
Website
Unum Metrics
BasicAdvanced
$13B
9.34
$8.42
0.39
$1.72
2.34%
Price and volume
Market cap
$13B
Beta
0.39
52-week high
$84.48
52-week low
$60.39
Average daily volume
1.4M
Dividend rate
$1.72
Financial strength
Current ratio
10.095
Quick ratio
3.72
Long term debt to equity
30.646
Total debt to equity
35.579
Dividend payout ratio (TTM)
20.11%
Interest coverage (TTM)
10.41%
Profitability
EBITDA (TTM)
2,258.5
Gross margin (TTM)
35.38%
Net profit margin (TTM)
11.77%
Operating margin (TTM)
16.59%
Effective tax rate (TTM)
20.91%
Revenue per employee (TTM)
$1,180,000
Management effectiveness
Return on assets (TTM)
2.14%
Return on equity (TTM)
13.95%
Valuation
Price to earnings (TTM)
9.342
Price to revenue (TTM)
1.096
Price to book
1.2
Price to tangible book (TTM)
1.27
Price to free cash flow (TTM)
9.798
Free cash flow yield (TTM)
10.21%
Free cash flow per share (TTM)
8.026
Dividend yield (TTM)
2.19%
Forward dividend yield
2.34%
Growth
Revenue change (TTM)
1.86%
Earnings per share change (TTM)
24.02%
3-year revenue growth (CAGR)
2.55%
10-year revenue growth (CAGR)
1.98%
3-year earnings per share growth (CAGR)
16.18%
10-year earnings per share growth (CAGR)
18.94%
3-year dividend per share growth (CAGR)
11.83%
10-year dividend per share growth (CAGR)
9.72%
What the Analysts think about Unum
Analyst ratings (Buy, Hold, Sell) for Unum stock.
Bulls say / Bears say
UNM trades at a price/earnings ratio of just 8.0x, below the sector average of around 10x, suggesting the stock may be undervalued compared to its peers (Reuters).
Premium income rose 4.6% on a constant currency basis in Q2 2025, showing strong top-line growth in core insurance lines (Unum IR).
The company repurchased $300 million of shares in Q2 and raised its full-year buyback guidance to the upper end of $500 million–$1 billion, highlighting a strong focus on capital return (Unum IR).
Q2 Unum US adjusted operating income fell 11.0% year-over-year to $318.2 million, underscoring pressure on profitability in its largest segment (Unum IR).
Persistency in the group long-term disability product line dropped to 90.6% in H1 2025, down from 93.1% the previous year, raising concerns about policyholder retention and future premium stability (Unum IR).
The benefit ratio for group disability rose to 62.2% (from 59.1%), and for group life to 69.7% (from 65.4%), signaling higher claims costs that may further compress margins (Unum IR).
Data summarised monthly by Lightyear AI. Last updated on 5 Oct 2025.
Unum Financial Performance
Revenues and expenses
Unum Earnings Performance
Company profitability
Unum News
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Upcoming events
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FAQs
What’s the current market cap for Unum stock?
Unum (UNM) has a market cap of $13B as of October 07, 2025.
What is the P/E ratio for Unum stock?
The price to earnings (P/E) ratio for Unum (UNM) stock is 9.34 as of October 07, 2025.
Does Unum stock pay dividends?
Yes, the Unum (UNM) stock pays dividends to shareholders. As of October 07, 2025, the dividend rate is $1.72 and the yield is 2.34%. Unum has a payout ratio of 20.11% on a trailing twelve-month basis.
When is the next Unum dividend payment date?
The next Unum (UNM) dividend payment date is unconfirmed.
What is the beta indicator for Unum?
Unum (UNM) has a beta rating of 0.39. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.