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UNM Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

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High
73.740
Open
72.420
VWAP
72.77
Vol
1.40M
Mkt Cap
11.92B
Low
71.920
Amount
101.55M
EV/EBITDA(TTM)
12.27
Total Shares
163.75M
EV
15.53B
EV/OCF(TTM)
22.58
P/S(TTM)
0.96
Unum Group is an international provider of workplace benefits and services. The Company, through its Unum and Colonial Life brands, offers disability, life, accident, critical illness, dental, and vision insurance; leave and absence management support; and behavioral health services. The Company's segments include Unum US, Unum International, and Colonial Life. Unum US segment is comprised of group disability, group life and accidental death and dismemberment, and supplemental and voluntary lines of business. The supplemental and voluntary line of business includes voluntary benefits, individual disability, and dental and vision products. Unum International segment includes its operations in the United Kingdom and Poland. Unum Poland's business primarily includes insurance for individual and group life with accident and health riders. Colonial Life segment includes the accident, sickness, and disability product line, life product line, and cancer and critical illness product line.
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Events Timeline

(ET)
2026-02-05
16:30:00
Q4 Revenue at $3.24B, Below Consensus
select

News

moomoo
6.0
02-20moomoo
UBS Lowers Target Price for UNUM GROUP to $81 from $85
  • UBS Adjusts Price Target: UBS has lowered its price target for a specific stock from $85 to $81.
  • Market Implications: This adjustment may reflect changing market conditions or company performance expectations.
Fool
9.5
02-18Fool
Unum Group's Stock Offers Investment Opportunities Amidst Recent Decline
  • Stock Buyback Plan: Unum Group plans to return 100% of projected free cash flow to shareholders through buybacks and dividends in 2026, indicating management's belief in the stock's undervaluation, which could support share prices during market downturns and attract more investors.
  • Premium Growth Expectations: In 2025, Unum reported core premium growth of 4.4%, with 2026 projections between 4% and 7%; achieving the upper end could exceed analyst models, prompting rating and price target revisions that attract more buyers.
  • Margin Stabilization: Despite a rise in the disability benefit ratio to 62.4% in 2025, management expects it to stabilize between 62% and 64% in 2026, which could enhance underwriting profitability and support the company's projected 8% to 12% EPS growth outlook.
  • Long-Term Investment Potential: Unum's stability and predictability have led to a 180% stock price increase over the past five years; despite recent performance issues, sustained improvements could present a compelling buying opportunity for investors.
NASDAQ.COM
9.5
02-18NASDAQ.COM
Unum Group Faces Challenges After Strong Five-Year Performance
  • Performance Decline: Unum Group's fourth-quarter 2025 results fell short of expectations, causing the stock to drop about 6% year-to-date, despite a remarkable 180% increase over the past five years, indicating the company is facing short-term challenges.
  • Cash Flow Return Plan: The company plans to return 100% of projected free cash flow to shareholders in 2026 through buybacks and dividends, a strategy that not only reflects management's confidence in the stock but could also enhance earnings per share (EPS) by reducing the outstanding share count, potentially attracting more investors.
  • Premium Growth Outlook: In 2025, Unum reported core premium growth of 4.4%, consistent with 4.5% in 2024, and expects growth between 4% and 7% in 2026; exceeding this guidance could lead to analyst upgrades in ratings and price targets, further driving the stock price higher.
  • Margin Stability: Although the disability benefit ratio rose to 62.4% in 2025, management anticipates a decline to between 62% and 64% in 2026, achieving this could enhance underwriting profitability and support the company's EPS growth outlook of 8% to 12%, potentially reversing the recent stock price downturn.
Yahoo Finance
9.5
02-07Yahoo Finance
Unum Group Reports Q4 Earnings with Adjusted EPS Guidance for 2026
  • 2025 Adjusted EPS: Unum Group reported an adjusted EPS of $8.13 for 2025, falling short of expectations primarily due to increased benefits experience, with management redefining the 2025 base to $7.93 and guiding for 2026 adjusted EPS between $8.60 and $8.90, indicating potential for future profitability.
  • Group Disability Pressure: The benefit ratio for Group Disability was 62.4% for 2025 and 64.2% in Q4, leading to a 22.8% year-over-year decline in adjusted operating income; however, management expects the benefit ratio to stabilize between 62% and 64% in 2026, reflecting confidence in future performance.
  • Capital Return Plans: Unum raised its dividend by 10% and repurchased $1 billion in stock in 2025, with plans for another ~$1 billion in buybacks and a 10% dividend increase in 2026, targeting 100% of free cash flow (approximately $1.2 to $1.4 billion) for shareholder returns, demonstrating strong capital management capabilities.
  • Digital Strategy: Unum emphasized its digital investments as a competitive advantage, with over one-third of the core premium base linked to customers utilizing “leading digital capabilities,” and management noted that customers using HR Connect have close ratios nearly double those of non-HR Connect customers, highlighting the positive impact of digitalization on business growth.
seekingalpha
9.5
02-06seekingalpha
Unum Group Q4 2025 Earnings Call Insights
  • Financial Performance Overview: Unum Group reported an adjusted EPS of $8.13 for 2025, down year-over-year primarily due to higher-than-expected benefits experience, although core operations premium grew nearly 4.5%, indicating resilience and growth potential in the market.
  • Shareholder Return Plans: The company announced a 10% increase in dividends and plans to repurchase $1 billion in stock, reflecting a strong capital position and management's confidence in future growth, with EPS expected to grow by 8% to 12% in 2026.
  • International Business Growth: The international segment achieved a premium growth of 11.5% in Q4, reaching $283.9 million, with a full-year increase of 10% to $1.1 billion, although overall earnings declined due to unfavorable claims experience, highlighting market complexities and challenges.
  • Future Outlook: Unum expects revenue growth in the range of 4% to 7% for 2026, with management focusing on core business and digital investments to enhance profitability, aiming to bolster investor confidence through ongoing risk management and capital return strategies.
seekingalpha
9.5
02-05seekingalpha
Unum Reports Q4 2023 Earnings Miss with Positive Outlook
  • Earnings Miss: Unum's Q4 2023 non-GAAP EPS of $1.92 fell short by $0.19, indicating pressure on profitability that may affect investor confidence and stock performance.
  • Flat Revenue: The company reported revenue of $3.24 billion for Q4, flat year-over-year but missing expectations by $50 million, reflecting intensified market competition and weak customer demand, which could pose challenges for future growth.
  • Book Value Improvement: Book value per common share increased to $67.11, up 9.3% year-over-year, while the book value excluding accumulated other comprehensive income grew 3.3% to $78.02, indicating improved asset quality that may bolster investor confidence.
  • Positive Outlook: The company anticipates core operations premium growth of 4% to 7% into 2026, with after-tax adjusted operating income per share projected between $8.60 and $8.90, suggesting a positive long-term outlook that could attract attention from long-term investors.
Wall Street analysts forecast UNM stock price to rise
9 Analyst Rating
Wall Street analysts forecast UNM stock price to rise
6 Buy
3 Hold
0 Sell
Moderate Buy
Current: 0.000
sliders
Low
85.00
Averages
94.00
High
115.00
Current: 0.000
sliders
Low
85.00
Averages
94.00
High
115.00
Morgan Stanley
Bob Huang
Equal Weight
downgrade
$85 -> $80
AI Analysis
2026-03-03
Reason
Morgan Stanley
Bob Huang
Price Target
$85 -> $80
AI Analysis
2026-03-03
downgrade
Equal Weight
Reason
Morgan Stanley analyst Bob Huang lowered the firm's price target on Unum Group to $80 from $85 and keeps an Equal Weight rating on the shares. The firm is updating its price targets for Insurance - Life/Annuity North America stocks under its coverage, the analyst tells investors. While Morgan Stanley is not concerned about life insurers' exposure to private credit, the broader industry will likely feel pressure on their valuation.
Wells Fargo
Elyse Greenspan
Overweight
to
Overweight
downgrade
$104 -> $102
2026-02-25
Reason
Wells Fargo
Elyse Greenspan
Price Target
$104 -> $102
2026-02-25
downgrade
Overweight
to
Overweight
Reason
Wells Fargo analyst Elyse Greenspan lowered the firm's price target on Unum Group to $102 from $104 and keeps an Overweight rating on the shares. With guidance from most companies in Q4, the firm is generally reducing its EPS estimates as guides were in-line to below consensus expectations for most companies. Wells is also rolling valuation methodologies to 2027 EPS and rolling out new 2028E EPS estimates for companies.
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Valuation Metrics

The current forward P/E ratio for Unum Group (UNM.N) is 8.69, compared to its 5-year average forward P/E of 6.55. For a more detailed relative valuation and DCF analysis to assess Unum Group's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
6.55
Current PE
8.69
Overvalued PE
7.77
Undervalued PE
5.32

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.05
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.52
Undervalued EV/EBITDA
-0.42

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
0.71
Current PS
0.95
Overvalued PS
0.90
Undervalued PS
0.53

Financials

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Whales Holding UNM

W
Woodline Partners LP
Holding
UNM
+0.25%
3M Return
D
Donald Smith & Co., Inc.
Holding
UNM
-18.80%
3M Return

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Frequently Asked Questions

What is Unum Group (UNM) stock price today?

The current price of UNM is 72.64 USD — it has decreased -0.19

What is Unum Group (UNM)'s business?

Unum Group is an international provider of workplace benefits and services. The Company, through its Unum and Colonial Life brands, offers disability, life, accident, critical illness, dental, and vision insurance; leave and absence management support; and behavioral health services. The Company's segments include Unum US, Unum International, and Colonial Life. Unum US segment is comprised of group disability, group life and accidental death and dismemberment, and supplemental and voluntary lines of business. The supplemental and voluntary line of business includes voluntary benefits, individual disability, and dental and vision products. Unum International segment includes its operations in the United Kingdom and Poland. Unum Poland's business primarily includes insurance for individual and group life with accident and health riders. Colonial Life segment includes the accident, sickness, and disability product line, life product line, and cancer and critical illness product line.

What is the price predicton of UNM Stock?

Wall Street analysts forecast UNM stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for UNM is94.00 USD with a low forecast of 85.00 USD and a high forecast of 115.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is Unum Group (UNM)'s revenue for the last quarter?

Unum Group revenue for the last quarter amounts to 3.24B USD, increased 0.23

What is Unum Group (UNM)'s earnings per share (EPS) for the last quarter?

Unum Group. EPS for the last quarter amounts to 1.04 USD, decreased -45.83

How many employees does Unum Group (UNM). have?

Unum Group (UNM) has 10684 emplpoyees as of March 11 2026.

What is Unum Group (UNM) market cap?

Today UNM has the market capitalization of 11.92B USD.