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
8.94
$8.42
0.40
$1.72
2.44%
Price and volume
Market cap
$13B
Beta
0.4
52-week high
$84.48
52-week low
$53.41
Average daily volume
1.5M
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)
2,258.7
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)
8.94
Price to revenue (TTM)
1.049
Price to book
1.18
Price to tangible book (TTM)
1.22
Price to free cash flow (TTM)
9.377
Free cash flow yield (TTM)
10.66%
Free cash flow per share (TTM)
8.026
Dividend yield (TTM)
2.29%
Forward dividend yield
2.44%
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
Premium income grew 4.6% on a constant‐currency basis in Q2 2025, driven by core operations in capital-efficient, high-return businesses (Reuters)
Successfully closed a long-term care reinsurance transaction in Q2, substantially reducing exposure to the closed block and derisking legacy liabilities (Reuters)
Management raised the full-year after-tax adjusted operating income per share outlook to approximately $8.50, signaling confidence in achieving growth targets for 2025 (Reuters)
First-quarter 2025 adjusted EPS of $2.04 missed the consensus of $2.19, and revenue fell 3.4% to $3.09 billion versus the expected $3.34 billion, underscoring early-year underperformance and driving a 3% share pullback (Reuters)
Second-quarter adjusted operating EPS of $2.07 fell 7.2% short of the Zacks consensus of $2.23, marking a second consecutive quarter of profit shortfalls and raising concerns around earnings consistency (Nasdaq)
Group long-term disability sales plunged 30.4% year-over-year to $45.1 million in Q2, reflecting weakened demand and retention challenges in Unum’s core U.S. disability line (Business Wire)
Data summarised monthly by Lightyear AI. Last updated on 4 Sept 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 September 13, 2025.
What is the P/E ratio for Unum stock?
The price to earnings (P/E) ratio for Unum (UNM) stock is 8.94 as of September 13, 2025.
Does Unum stock pay dividends?
Yes, the Unum (UNM) stock pays dividends to shareholders. As of September 13, 2025, the dividend rate is $1.72 and the yield is 2.44%. 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 0.4. 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.