Unum Group
UNM · Price history
Price at last available close
$90.25
−$0.87 (-0.95%) 1M
2026-10-28
Tap or drag sideways to inspect a price. Use two fingers to compare automatically. Release to scroll. Use Shift + arrow keys to compare with a keyboard.
Company & revenue
About Unum Group
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
Unum Group, along with its various subsidiaries, specializes in delivering financial protection benefits, primarily operating across the United States, the United Kingdom, and Poland. The company's operations are organized into distinct segments: Unum US, Unum International, Colonial Life, and the Closed Block. Its extensive product portfolio encompasses group coverage, including long-term and short-term disability, life insurance, and accidental death and dismemberment.
How they make money
Unum Group generates revenue primarily through the collection of insurance premiums and the management of investment portfolios. The company provides financial protection benefits, including disability, life, accident, critical illness, dental, and vision insurance, primarily through employer-sponsored plans, while earning investment income on the assets held to support these long-term insurance liabilities.
Products & services
The company offers group and individual disability insurance, group life and accidental death and dismemberment insurance, supplemental and voluntary benefits (such as accident, critical illness, and hospital indemnity), dental and vision insurance, and medical stop-loss products.
Brands & revenue mix
Primary brand for group and individual insurance products in the US and UK.
Separate brand revenue is not available in this research.Source
Brand focused on supplemental and voluntary benefits.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
Period ended 2025-12-31Source
Period ended 2025-12-31Source
Period ended 2025-12-31Source
Period ended 2025-12-31Source
Calculated from reported segment revenue. Check the source period and revenue basis before comparing shares. Categories can overlap and may not add to 100%.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
No quantified customer-concentration disclosure is available in the current saved research.
Suppliers, materials & equipment
No supplier relationships were confirmed in the sources reviewed. This does not mean the company has no suppliers.
Strengths
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
35
Poor
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
50
Fair
Financial Strength
62
Business Quality / Moat
40
Management
48
Growth Quality
31
Risk / Durability
71
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
23
Avoid
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
31/100
Building Historical Record
Model Score 31/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is low across its combined quality, valuation and risk inputs. This can reflect an expensive share price, business weaknesses, or both; check Company Quality and the category breakdown before drawing a conclusion.
At today’s price, the WSS valuation framework currently reads as less attractive based on the available valuation and market data.
The model outlook is currently cautious.
- •Balance-sheet / debt profile scores strongly
- •Recent buyback activity is present
- •Repurchase headline · Aug 27, 2026
- •Repurchase headline · Aug 26, 2026
- •Valuation is a weaker part of the current profile
- •Revenue fundamentals are weak
Company-specific research
Questions worth answering for UNM
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can UNM maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is UNM's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is UNM's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •What future growth or profitability would be needed to justify UNM's current valuation?
Essential Investment Snapshot
Wall Street Score
35
Opportunity Score
23
Market Cap
$14.29B
P/E Ratio
20.4
EPS
$4.29
52-Week High
$96.77
52-Week Low
$69.02
Beta
0.26
Intrinsic Value
$63.98
Analyst Target
$98.00
Shares Outstanding
172.9M
Total Revenue
$13.25B
Total Debt
$3.76B
Dividend
No current dividend
Liquidation Value / Share
$62.51
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Weakening momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for UNM
Detected from reported data — verify before acting.Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Repurchase headline · Aug 27, 2026
Unum Group Strengthens Capital Returns With New $1B Share Buyback — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
Zacks Investment ResearchRepurchase headline · Aug 26, 2026
Unum Group's Board of Directors Authorizes $1 Billion Share Repurchase Program — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
Business WireCommunity Sentiment
0 active · 0 total callsNo personal call yet on UNM.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Strong market position in the U.S. employee benefits market.
- +Integrated product offering across disability, life, and supplemental lines.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Insurance - Life industry.
- −Sensitivity to interest rate fluctuations affecting investment income.
- −Risks associated with the adequacy of insurance reserves and actuarial assumptions.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
2 historical score records availablePrevious Score
36
Jul 24, 2026
Change
-0.9
points
Current Score
35
Oct 1, 2026
Category Changes
UNM decreased 0.9 points because Capital declined by 4 points, Management declined by 6.8 points.
Positive Contributors
- + Valuation improved by 2.4 points
Negative Contributors
- − Capital declined by 4 points
- − Management declined by 6.8 points
Projected Score
Projected Score
32
Projected Change
-2.6 points
Preliminary comparable-period financial changes suggest decline of approximately 2.6 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
OvervaluedCurrent Price
$90.25
Model Intrinsic Value
$63.98
Difference
+$26.27
+41.1% vs IV
Margin of Safety
-41.1%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $13.25B | $13.05B | $12.79B | $12.31B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $8.52B | $8.07B | $8.05B | $8.28B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $4.73B | $4.99B | $4.74B | $4.03B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $1.34B | $0.00 | $1.17B | $1.16B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $3.82B | $4.06B | $2.49B | $2.39B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $1.21B | $1.27B | $2.57B | $1.94B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $905.1M | $933.5M | $2.25B | $1.64B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $211.2M | $208.8M | $201.1M | $194.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $905.1M | $933.5M | $2.25B | $1.64B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $202.4M | $195.0M | $472.2M | $356.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $702.7M | $738.5M | $1.78B | $1.28B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $4.29 | $4.28 | $9.49 | $6.53 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 160M | 173M | 186M | 197M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 160M | 173M | 188M | 198M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$3.29B
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$1.61
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
+0.5%
Cash Change
-83.3%
Margin Change
-2.2 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Weakened
- Margins contracted
- Cash position declined
- Debt increased
Potential Score Impact
Pressure indicators included revenue growth, EPS growth, cash levels, debt levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue declined 1.6%. EPS declined 16.1%. Cash declined 83.3%. Total debt increased 0.5%. Net income margin declined by 2.2 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
14
Smart Money
14
Number of Gurus
2
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Dividend data is not available yet. Missing data does not mean this company pays no dividend.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
2 historical records2 historical score records available.
Historical Score Chart
2 of 2 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Insurance - LifeNews
Unum (UNM) Earnings Expected to Grow: What to Know Ahead of Next Week's Release
Unum Group's Premium Growth and Share Buybacks Support 2026 Outlook
Unum Group $UNM Stock: First Citizens Bank & Trust Co. Trims Holdings
Can Unum Group's Colonial Life Sustain Its Earnings Momentum?
Rumor Mill · UNM
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
Related Stock Research
Continue researching this company with related Wall Street Score rankings and investing guides.
Score Alerts
Premium unlocks alerts when a score rises, falls, or reaches your target price.
Start 7-Day Free TrialPortfolio Score
Premium unlocks portfolio scoring, strongest and weakest holdings, and overall margin of safety.
Start 7-Day Free Trial