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
22.62
$4.24
0.26
$1.89
2.11%
Price and volume
Market cap
$15B
Beta
0.26
52-week high
$96.77
52-week low
$69.02
Average daily volume
1.5M
Dividend rate
$1.89
Financial strength
Current ratio
22.969
Quick ratio
5.498
Long term debt to equity
34.819
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)
22.624
Price to revenue (TTM)
1.187
Price to book
1.4
Price to tangible book (TTM)
1.45
Price to free cash flow (TTM)
22.872
Free cash flow yield (TTM)
4.37%
Free cash flow per share (TTM)
4.191
Dividend yield (TTM)
1.97%
Forward dividend yield
2.11%
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
Net income rose to $232.0 million ($1.41 EPS) in Q1 2026 from $189.1 million ($1.06 EPS) a year ago, beating prior-year results and driving 10 percent growth in after-tax adjusted operating income to $352.5 million (Fortune)
Unum US segment delivered 2.7 percent growth in adjusted operating income to $337.9 million in Q1 2026, with premium income up 3.3 percent to $1.84 billion and sales increasing 20.8 percent to $335.1 million, reflecting strong employer plan demand (Fortune)
Closed Block risk profile improved with a $3.8 billion long-term care reinsurance transaction covering 26 percent of LTC reserves (40 percent cumulative), materially reducing legacy liability exposure and underpinning capital strength (Business Wire)
Closed Block segment swung to a $145.3 million adjusted operating loss in Q1 2026 from a $8.0 million income in Q1 2025, highlighting ongoing legacy LTC business strain despite reinsurance actions (Fortune)
Supplemental & voluntary benefits line saw a 17.4 percent drop in segment adjusted operating income to $116.2 million in Q1 2026 and a worsening benefit ratio of 49.9 percent from 46.1 percent, reflecting margin pressure in individual disability products (Fortune)
Unum International segment adjusted operating income fell 20.2 percent year-over-year to $30.9 million in Q1 2026, with the UK benefit ratio rising to 72.9 percent from 67.1 percent due to higher claim incidence and lower investment income on inflation-linked bonds (Fortune)
Data summarised monthly by Lightyear AI. Last updated on 12 Aug 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 | $6.4B | 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.
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