Unum Group
UNM | NYSE
$90.55
-$0.59 (-0.65%)
Nov 2, 2026, 10:33 AM ET · Market open
Market Data
Market Cap $14.33B
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 2.2%
Price Change 3M 0.5%
Price Change 6M 12.8%
Price Change YTD 16.8%
Price Change 1Y 24.2%
Price Change 3Y 107.6%
Price Change 5Y 244.9%
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
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