Unum/$UNM
1D1W1MYTD1Y5YMAX
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
$15B
22.20
$4.24
0.26
$1.89
2.15%
Price and volume
Market cap
$15B
Beta
0.26
52-week high
$96.77
52-week low
$69.02
Average daily volume
1.4M
Dividend rate
$1.89
Financial strength
Current ratio
22.969
Quick ratio
4.131
Long term debt to equity
35.494
Total debt to equity
36.878
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)
22.204
Price to revenue (TTM)
1.165
Price to book
1.38
Price to tangible book (TTM)
1.42
Price to free cash flow (TTM)
22.447
Free cash flow yield (TTM)
4.45%
Free cash flow per share (TTM)
4.191
Dividend yield (TTM)
2.00%
Forward dividend yield
2.15%
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
Unum US continues to deliver steady core execution: Q2 2026 adjusted operating income rose 3.6% to $329.6 million, premium income increased 3.3%, and sales grew 7.4%; Colonial Life also posted 11.9% operating-income growth with a 6.0% sales increase. (Unum Q2 2026 results)
The $3.8 billion LTC reinsurance transaction reduces legacy risk: combined with the 2025 transaction, Unum expects to reduce total LTC statutory reserves by approximately 40% and reinsure more than $7 billion of LTC statutory reserves, sharpening its focus on the core employee-benefits franchise. (LTC reinsurance announcement)
Capital returns remain attractive and well supported: Unum raised its quarterly dividend approximately 10% to $0.505 per share, repurchased $202.1 million of stock in Q2 2026, and reported approximately 480% risk-based capital with $1.54 billion of holding-company liquidity at June 30. (Dividend increase; Unum Q2 2026 results)
Group disability remains a key pressure point: Q2 2026 adjusted operating income fell 17.4% year over year to $103.1 million, while the benefit ratio rose to 65.8% from 62.2% because of higher short-term disability incidence, particularly in paid family and medical leave. (Unum Q2 2026 results)
Unum International showed deteriorating momentum despite premium growth: Q2 2026 adjusted operating income declined 41.6% to $24.3 million, sales fell 19.4%, and investment income decreased 8.7%. (Unum Q2 2026 results)
The Closed Block remains a material earnings drag: its Q2 2026 adjusted operating loss widened to $75.4 million from $10.8 million, driven by lower investment income and amortization of reinsurance costs; the new LTC transaction will also cause foregone investment income and incremental financing expense. (Unum Q2 2026 results; LTC reinsurance announcement)
Data summarised monthly by Lightyear AI. Last updated on 8 Sept 2026.
Unum Financial Performance
Revenues and expenses
Unum Earnings Performance
Company profitability
Upcoming events
No upcoming events
Unum News
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Funds containing Unum
AllEURUSDGBP
Fund name | Fund size | $UNM weighting |
|---|---|---|
iShares Dow Jones U.S. Select Dividend€EXX5 | €412M | 1.09% |
iShares Ageing Population€AGED | €822M | 0.47% |
SPDR S&P 400 US Mid Cap$SPY4 | $6.3B | 0.39% |
SPDR S&P 400 US Mid Cap£SPX4 | £4.7B | 0.39% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | €2.8B | 0.31% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.