Stock Analysis
Unum GroupUNM
P/E 20.78×· 5Y range 5.73–21.76×· top 2% of history
Sector: Financial Services · Industry: Accident & Health Insurance
AnalystsStrong Buy18 analystsP/E 20.8× sits at the 98th percentile of its 5.086926762491444-year history.
Cash covers 80% of debt · FY 2025.
PMP Verdict
Mixed fundamentals, expensive valuation
Strengths
- Quality77
Risks
- Valuation49
- Profitability28
Mixed fundamentals at a demanding price.
What's happening with UNM
Profile
Strong earnings quality; profitability, growth, moat, financial health and valuation lag behind.
How is each axis scored?
- Valuation49/100 · Weak
- P/E vs own history (98th pct)0/25
- FCF yield (4.7%)12/25
- P/S (1.1x)25/25
- EV/EBIT (15.2x)12/25
- Growth37/100 · Weak
- Revenue CAGR (2.1%)6/25
- Net income CAGR (-2.7%)0/25
- EPS CAGR 5Y (1.5%)6/25
- Fwd implied growth (105.6%)25/25
- Profitability28/100 · Weak
- ROIC (6.7%)5/25
- ROE (6.3%)5/25
- Net margin (5.3%)13/25
- Operating margin (7.6%)5/25
- Financial Health41/100 · Weak
- Altman Z (0.73)3/25
- Current ratio (n/a)0/25
- Interest coverage (5.5x)18/25
- Net cash / debt (D/A 1%)20/25
- Quality77/100 · Strong
- Piotroski F (4/9)10/25
- Beneish M (-2.38)20/25
- FCF conversion (99%)22/25
- Margin stability (σ 3.6%)25/25
- Moat37/100 · Weak
- ROIC >12% years (1/5 yrs)0/25
- Median gross margin (n/a)0/25
- FCF-positive years (10/10 yrs)25/25
- Worst-year net margin (worst 4.5%)12/25
Risk Flags
- ⚠Altman Z 0.7 — distress-zone balance sheet
- ⚠P/E 20.8× at top 2% of 5-year history
About Unum Group
Unum Group is a provider of group and individual income protection insurance products in the United States, the United Kingdom, Poland, and other countries. Show more
It is the domestic disability insurer, with the majority of premiums generated from employer plans. The company also offers a complementary portfolio of other insurance products, including long-term care insurance, life insurance, and employer- and employee-paid group benefits. It has the following operating business segments: Unum USA, Unum International, Closed Block, Colonial Life, and Corporate. The Unum USA segment generates the majority of revenue. The firm markets its products through brokers.
Headquarters: CHATTANOOGA, TN · Employees: 10,910 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
49D+P/E (TTM)20.8xB
Grade B: FairPrice / TTM EPS (own statements) — vs own 5Y history: 5.7x–21.8x · 98th pct
P/FCF13.3xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield4.7%C
Grade C: LowTTM (OCF − CapEx) / Market Cap — vs own 5Y history: 3.3%–28.7% · 17th pct
P/S (TTM)1.09xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 0.3x–1.2x · 87th pct
EV/EBIT15.2xB
Grade B: FairEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 5.7x–31.0x · 86th pct
EV/Sales1.4xA
Grade A: CheapEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E10.1xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.31xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio2.24C
Grade C: ExpensiveFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield2.11%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio43.8%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
28EROIC6.7%D
Grade D: LowNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE6.3%D
Grade D: WeakReturn on Equity. Neg. equity = heavy buybacks
ROA1.1%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin5.3%C
Grade C: AverageNet Income / Revenue
Operating Margin7.6%D
Grade D: LowTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin5.2%D
Grade D: LowFCF / Revenue
True FCF Margin5.2%C
Grade C: AverageTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
37DRevenue CAGR2.1%D
Grade D: LowCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-2.7%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)1.5%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth105.6%A
Grade A: HighAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-22.7%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue—
TTM stock-based comp / TTM Revenue
Financial Health
41D+Altman Z-Score0.73D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage5.5xC
Grade C: OkEBIT/Interest. >10 Strong
Debt Repayment1.1yA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBIT0.7xA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.34xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.80xC
Grade C: PartialCash covers how much of total debt. >1 = could repay all debt from cash
Quality
77B+Piotroski F-Score4/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.38A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion98.6%A
Grade A: StrongFCF / Net Income
Margin Stability3.6%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue1.0%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.21xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Rice Walter Lynn JR Filed | Rice Walter Lynn JR | Gift | -239 | |
Rice Walter Lynn JR Filed | Rice Walter Lynn JR | SellOpen market sale | -2188 | |
Keaney Timothy F Filed | Keaney Timothy F | SellOpen market sale | -4300 | |
IGLESIAS LISA G Filed | IGLESIAS LISA G | SellOpen market sale | -4000 | |
Walker Andrew D Filed | Walker Andrew D | Tax withholding | -1819 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Lefebvre Mojgan M Filed | Lefebvre Mojgan M | Grant / award | +2.2K | |
KING GALE V. Filed | KING GALE V. | Grant / award | +2.2K | |
Echevarria Joseph Filed | Echevarria Joseph | Grant / award | +1.5K |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
37DROIC >12% Years1/5 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years10/10 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor4.5%C
Grade C: ModerateWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$4.44
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$0.85
Cash & short-term investments per share (Finnhub)
Book Value / Share$68.28
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$3.77B
Total debt obligations (short + long term)
Cash & Equiv.$3.02B
Cash and short-term investments
Net Debt$751.40M
Total Debt minus Cash. Negative = Net Cash position
Total Equity$11.12B
Shareholders' equity (book value)
Asset / Liability1.21xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$14.60B
Current Market Capitalization
Beta0.24B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Unum Group (UNM)
Piotroski F-Score of 4/9 indicates mixed fundamentals for Unum Group. Altman Z-Score of 0.73 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.38 suggests a low likelihood of earnings manipulation.
- Takes ~1.1 years to repay net debt from free cash flow.
- The stock currently yields 2.1% in dividends.
See how UNM ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all UNM moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 5 | Regular | 90.89 | +2.62% | 2.15 |
| Sep 24 | After-hours | 91.11 | -3.55% | -2.74 |
Frequently Asked Questions about UNM
What is the current Unum Group (UNM) stock price?
UNM is trading at $92.23 at the last market close, down 0.19% on the session. PreMarketPrice tracks UNM pre-market, intraday and after-hours prices.
Is UNM stock a buy right now?
PreMarketPrice's quantitative model rates Unum Group's financial health at 41/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is UNM stock overvalued?
Unum Group trades at a trailing P/E of 20.8 and our valuation score rates it 49/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Unum Group report earnings?
No confirmed earnings date is currently scheduled for UNM. The Earnings section lists recent reports and updates as dates are announced.
What sector does Unum Group operate in?
Unum Group operates in the Financial Services sector, within the Accident & Health Insurance industry. The Related Stocks section lists sector peers for comparison.
What does Unum Group do?
Unum Group is a provider of group and individual income protection insurance products in the United States, the United Kingdom, Poland, and other countries.
About Unum Group (UNM) Stock
Unum Group (UNM) is a US-listed stock operating in the Financial Services sector, specifically the Accident & Health Insurance industry. As of the latest update, Unum Group is trading at $92.23, down 0.19% on the day with a market capitalization of $14.6 billion. The financial health score for UNM is 41/100, which indicates weak financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for UNM stock.
UNM Stock Analysis & Key Metrics
On PreMarketPrice, you can track Unum Group (UNM) across multiple dimensions:
- Pre-market price & movement: Real-time UNM stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for UNM with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Unum Group across multiple reporting periods.
- Financial health score: A composite score of 41/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for UNM.
- Sector peers: Compare UNM against 6 other financial services stocks on key financial metrics.
Is UNM a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Unum Group (UNM) as an investment. The financial health score of 41/100 suggests weak financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Unum Group (UNM) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.