Unum Group (UNM)
OvervaluedFundamental
50
Price
$85.78
Market Cap
$14.42B
Part 1 · What the company is worth
Overview
Unum Group, together with its subsidiaries, provides financial protection benefit solutions in the United States, the United Kingdom, and Poland. It operates through Unum US, Unum International, Colonial Life, and Closed Block segments. The company offers group long-term and short-term disability, group life, and accidental death and dismemberment products; supplemental and voluntary products, such as voluntary benefits, individual disability, and dental and vision products; and accident, sickness, disability, life, and cancer and critical illness products. It also provides group pensions, individual life and corporate-owned life insurance, reinsurance pools and management operations, and other miscellaneous products. The company sells its products to employers for the benefit of employees. It sells its products through field sales personnel, independent brokers, consultants, and independent contractor agent sales force and brokers. Unum Group was formerly known as UnumProvident Corporation and changed its name to Unum Group in March 2007. The company was founded in 1848 and is based in Chattanooga, Tennessee.
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Direct competitors
Who this company fights with for the same customers
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No competitor list for this company yet.
Balance Sheet & Liquidity
Revenue
$13.35B
Trailing 12 months (through 6/30/2026)
Net Income
$703M
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$555M
Total Equity
$11.12B
Total Liabilities
$52.40B
Current Ratio
-
Interest Coverage
-
Debt/EBITDA
2.98
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
How heavy the debt is
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$60.52
Current Price
$85.78
Margin of Safety
-41.7%
Fair Value Range
$39.34 - $81.70
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
20.35
ROE
6.6%
P/B Ratio
1.28
P/FCF
20.04
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
6.4%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (11)
- EPS shows upward trend
- Price CAGR 7.95%
- P/FCF 20.04
- P/B Ratio 1.28
- Positive Free Cash Flow
- CapEx intensity
- Debt/EBITDA
- Low reliance on intangibles
- Analyst Consensus 72% Buy
- Earnings Quality (OCF/NI) 1.18
- Share Dilution -8.0%
Failed (11)
- EPS CAGR 4.57%
- Debt/Equity ratio
- Return on Tangible Assets
- Price below Graham Number
- DCF valuation (Fairly valued)
- ROE 6.4%
- Revenue Growth 5Y -0.1%
- Earnings Surprise avg -3.0%
- PEG Ratio 10.92
- Net Margin Trend 5.3% vs 11.8%
- Piotroski F-Score 3/9
Unavailable (6)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Operating Margin NaN%
- Current Ratio
- Interest Coverage
Piotroski F-Score
Serious financial concerns
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Buying back shares. Shareholder friendly
Institutional Holdings
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Richard Paul McKenney | President, CEO & Director | 56 |
| Mr. Steven Andrew Zabel | Executive VP & CFO | 56 |
| Ms. Shelia D. Anderson | Executive VP and Chief Information & Digital Officer | 60 |
| Ms. Lisa Gonzalez Iglesias CPA, J.D. | Executive VP & General Counsel | 59 |
| Mr. Christopher Wallace Pyne | Executive Vice President of Group Benefits | 55 |
| Mr. Walter Lynn Rice Jr. | Senior VP & Chief Accounting Officer | 55 |
| Mr. J. Matthew Royal | Senior Vice President of Investor Relations & Treasury | - |
| Ms. Elizabeth A. Claire Ahmed | Executive Vice President of People & Communications | 50 |
| Mr. Joseph Richard Foley | Senior Vice President of Corporate Marketing & Public Relations | 69 |
| Mr. Timothy Gerald Arnold | Executive VP of Voluntary Benefits & President of Colonial Life | 62 |
Audit Risk
1
Board Risk
1
Compensation Risk
3
Shareholder Rights Risk
2
Part 2 · The price and when to enter
This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Documents
- View document
Annual Report (10-K)
A yearly overview of the business, its financial results, and the risks it faces.
Filed on 2026-02-17
- View document
Quarterly Report (10-Q)
A snapshot of financial performance for the most recent three-month period.
Filed on 2026-07-29
- View document
Current Report (8-K)
An announcement of a major event, such as a leadership change or big news.
Filed on 2026-08-26
via SEC EDGAR
Income History
via SEC EDGAR
Latest News
Recent headlines for UNM, sourced from Markets Gazette.
- 6/12/2026NEGATIVETop 2 Financial Stocks That May Fall Off A Cliff This Month
Unum Group is flagged as potentially overbought, with its Relative Strength Index (RSI) indicating a strong upward momentum that may not be sustainable. The article suggests that stocks exhibiting such overbought conditions could face significant declines. Investors who prioritize momentum strategies should be cautious, as Unum's current trajectory might be nearing a reversal point, potentially leading to a sharp drop in its stock price this month.
via Markets Gazette