Unum Group

UNM | NYSE

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$91.14

+$0.06 (+0.06%)

At close: Oct 30, 2026, 4:00 PM ET

$91.14

$0.00 (0.00%)

After-hours: Oct 30, 2026, 5:05 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $14.43B

Enterprise Value $17.99B

Beta 0.24

Average Volume 1.58M

Shares Outstanding (Diluted) 160.02M

Shares Change YoY -8.26%

Institutional Ownership 89.35%

Exchange NYSE

ISIN US91529Y1064

Price Performance

Price Change 1M 3.9%

Price Change 3M 5.8%

Price Change 6M 12.7%

Price Change YTD 17.6%

Price Change 1Y 24.1%

Price Change 3Y 86.4%

Price Change 5Y 257.8%

1M CAGR (ann.) -3.7%

1Y CAGR (ann.) 24.6%

5Y CAGR (ann.) 30.8%

All-Time CAGR 13.5%

Valuation

PE Ratio 21.24

Forward PE 8.84

PEG Ratio -0.44

Forward PEG 5.12

PS Ratio 1.09

Forward PS 1.20

PB Ratio 1.33

P/FCF Ratio 20.82

P/Adj. FCF Ratio 22.57

P/OCF Ratio 17.53

EV/Sales 1.36

EV/EBIT 16.12

EV/EBITDA 14.86

EV/FCF 25.96

Earnings Yield 4.7%

FCF Yield 4.8%

Adj. FCF Yield 4.4%

Financial Health

Net Debt $3.56B

Total Debt $3.76B

Cash & Short-Term Investments $199.2M

Total Assets $63.49B

Current Ratio 17.97

Quick Ratio 17.97

Debt / Equity Ratio 0.35

Debt / EBITDA 3.11

Debt / FCF 5.43

OCF / Debt 0.22

Interest Coverage 4.29

Altman Z-Score 0.77

Piotroski F-Score 6

Margins & Profitability

Gross Profit Margin 35.7%

Operating Profit Margin 6.8%

EBITDA Margin 9.5%

Net Profit Margin 5.3%

FCF Margin 5.2%

Adj. FCF Margin 4.8%

SBC / Revenue 0.4%

SBC Impact (per share) -7.7%

Returns

Return on Assets 1.1%

Return on Equity 6.4%

Return on Invested Capital 1.1%

Return on Capital Employed 1.4%

Return on Tangible Assets 1.1%

Historical Growth (CAGR)

Revenue CAGR 3Y 3.2%

Revenue CAGR 5Y 0.0%

Revenue CAGR 10Y 2.0%

EPS CAGR 3Y -17.7%

EPS CAGR 5Y 4.6%

EPS CAGR 10Y 1.7%

FCF CAGR 3Y -11.0%

FCF CAGR 5Y 29.5%

FCF CAGR 10Y -4.0%

Analyst Forecasts

Analyst Rating Buy

Analyst Count 11

EPS Growth Next 3Y 41.5%

Revenue Growth Next 3Y 0.0%

Earnings Date Nov 3, 2026

EPS Estimate (next Q) $2.17

EPS Growth Est (next Q) 3.8%

Revenue Est (next Q) $2.91B

Revenue Growth Est (next Q) -13.4%

Fair Value Estimates

Graham Number $80.84

Graham Upside -11.3%

Lynch Fair Value $21.45

Lynch Upside -76.5%

Price Target $101.71

Price Target Upside 11.6%

Cash Flow

Operating Cash Flow $830.4M

Free Cash Flow $693M

Adj. Free Cash Flow $639.4M

FCF Per Share $4.34

OCF Per Share $5.20

OCF/S Ratio 6.3%

Income Statement

Revenue $13.25B

Gross Profit $4.73B

Operating Income $905.1M

EBITDA $1.21B

Net Income $702.7M

EPS (Diluted) $4.29

Revenue / Employee $1.23M

Profit / Employee $65.08K

Employees 10,797

Dividends

Annual Dividend $1.93

Dividend Yield 2.12%

Payout Ratio 45.0%

FCF Payout Ratio 44.4%

Adj. FCF Payout Ratio 48.1%

Dividend Growth (YoY) 9.7%

Pay Frequency Quarterly

Ex-Dividend Date Oct 30, 2026