UNUM GROUP (UNM) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:UNM • US91529Y1064

76.56 USD
+0.09 (+0.12%)
At close: Feb 3, 2026
76.56 USD
0 (0%)
After Hours: 2/3/2026, 8:04:00 PM
Fundamental Rating

4

UNM gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 147 industry peers in the Insurance industry. There are concerns on the financial health of UNM while its profitability can be described as average. UNM has a correct valuation and a medium growth rate. UNM also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year UNM was profitable.
  • UNM had a positive operating cash flow in the past year.
  • Each year in the past 5 years UNM has been profitable.
  • In the past 5 years UNM always reported a positive cash flow from operatings.
UNM Yearly Net Income VS EBIT VS OCF VS FCFUNM Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

1.2 Ratios

  • With a Return On Assets value of 1.43%, UNM perfoms like the industry average, outperforming 42.86% of the companies in the same industry.
  • UNM has a worse Return On Equity (8.37%) than 61.22% of its industry peers.
  • UNM has a Return On Invested Capital (1.70%) which is comparable to the rest of the industry.
  • UNM had an Average Return On Invested Capital over the past 3 years of 2.64%. This is significantly below the industry average of 14.94%.
Industry RankSector Rank
ROA 1.43%
ROE 8.37%
ROIC 1.7%
ROA(3y)2.4%
ROA(5y)1.94%
ROE(3y)15.21%
ROE(5y)12.31%
ROIC(3y)2.64%
ROIC(5y)N/A
UNM Yearly ROA, ROE, ROICUNM Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • UNM's Profit Margin of 6.99% is in line compared to the rest of the industry. UNM outperforms 44.22% of its industry peers.
  • UNM's Profit Margin has improved in the last couple of years.
  • UNM has a Operating Margin of 10.48%. This is comparable to the rest of the industry: UNM outperforms 40.82% of its industry peers.
  • UNM's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 10.48%
PM (TTM) 6.99%
GM N/A
OM growth 3Y14.4%
OM growth 5Y7.24%
PM growth 3Y19.13%
PM growth 5Y8.58%
GM growth 3YN/A
GM growth 5YN/A
UNM Yearly Profit, Operating, Gross MarginsUNM Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

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2

2. Health

2.1 Basic Checks

  • UNM has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • UNM has less shares outstanding than it did 1 year ago.
  • UNM has less shares outstanding than it did 5 years ago.
  • UNM has a worse debt/assets ratio than last year.
UNM Yearly Shares OutstandingUNM Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M
UNM Yearly Total Debt VS Total AssetsUNM Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

2.2 Solvency

  • UNM has a debt to FCF ratio of 5.44. This is a neutral value as UNM would need 5.44 years to pay back of all of its debts.
  • The Debt to FCF ratio of UNM (5.44) is worse than 64.63% of its industry peers.
  • UNM has a Debt/Equity ratio of 0.32. This is a healthy value indicating a solid balance between debt and equity.
  • UNM has a Debt to Equity ratio of 0.32. This is comparable to the rest of the industry: UNM outperforms 49.66% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 5.44
Altman-Z N/A
ROIC/WACC0.22
WACC7.89%
UNM Yearly LT Debt VS Equity VS FCFUNM Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
UNM Yearly Current Assets VS Current LiabilitesUNM Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2021 2022 2023 2024 200M 400M 600M

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4

3. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 0.37% over the past year.
  • UNM shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.18% yearly.
  • The Revenue has been growing slightly by 2.13% in the past year.
  • The Revenue has been growing slightly by 1.40% on average over the past years.
EPS 1Y (TTM)0.37%
EPS 3Y24.82%
EPS 5Y9.18%
EPS Q2Q%-1.88%
Revenue 1Y (TTM)2.13%
Revenue growth 3Y2.37%
Revenue growth 5Y1.4%
Sales Q2Q%5.02%

3.2 Future

  • Based on estimates for the next years, UNM will show a small growth in Earnings Per Share. The EPS will grow by 6.87% on average per year.
  • UNM is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.77% yearly.
EPS Next Y-0.48%
EPS Next 2Y4.71%
EPS Next 3Y6.87%
EPS Next 5Y6.87%
Revenue Next Year1.89%
Revenue Next 2Y2.54%
Revenue Next 3Y3.19%
Revenue Next 5Y3.77%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
UNM Yearly Revenue VS EstimatesUNM Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5B 10B 15B
UNM Yearly EPS VS EstimatesUNM Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2 4 6 8 10

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4

4. Valuation

4.1 Price/Earnings Ratio

  • UNM is valuated reasonably with a Price/Earnings ratio of 9.30.
  • Compared to the rest of the industry, the Price/Earnings ratio of UNM indicates a somewhat cheap valuation: UNM is cheaper than 68.03% of the companies listed in the same industry.
  • UNM is valuated cheaply when we compare the Price/Earnings ratio to 28.18, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 8.27, the valuation of UNM can be described as very reasonable.
  • UNM's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. UNM is cheaper than 66.67% of the companies in the same industry.
  • UNM's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.51.
Industry RankSector Rank
PE 9.3
Fwd PE 8.27
UNM Price Earnings VS Forward Price EarningsUNM Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • UNM's Enterprise Value to EBITDA ratio is in line with the industry average.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of UNM indicates a slightly more expensive valuation: UNM is more expensive than 61.22% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 18.59
EV/EBITDA 10.91
UNM Per share dataUNM EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.01
EPS Next 2Y4.71%
EPS Next 3Y6.87%

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7

5. Dividend

5.1 Amount

  • UNM has a Yearly Dividend Yield of 2.41%.
  • Compared to an average industry Dividend Yield of 2.19, UNM pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.83, UNM pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.41%

5.2 History

  • The dividend of UNM is nicely growing with an annual growth rate of 7.77%!
  • UNM has paid a dividend for at least 10 years, which is a reliable track record.
  • UNM has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)7.77%
Div Incr Years16
Div Non Decr Years20
UNM Yearly Dividends per shareUNM Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • UNM pays out 33.52% of its income as dividend. This is a sustainable payout ratio.
  • UNM's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP33.52%
EPS Next 2Y4.71%
EPS Next 3Y6.87%
UNM Yearly Income VS Free CF VS DividendUNM Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B
UNM Dividend Payout.UNM Dividend Payout, showing the Payout Ratio.UNM Dividend Payout.PayoutRetained Earnings

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UNUM GROUP

NYSE:UNM (2/3/2026, 8:04:00 PM)

After market: 76.56 0 (0%)

76.56

+0.09 (+0.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-03
Earnings (Next)02-05
Inst Owners90.64%
Inst Owner Change-11.14%
Ins Owners0.86%
Ins Owner Change-2.36%
Market Cap12.81B
Revenue(TTM)13.07B
Net Income(TTM)913.10M
Analysts78.82
Price Target96.27 (25.74%)
Short Float %1.61%
Short Ratio1.99
Dividend
Industry RankSector Rank
Dividend Yield 2.41%
Yearly Dividend1.59
Dividend Growth(5Y)7.77%
DP33.52%
Div Incr Years16
Div Non Decr Years20
Ex-Date01-30
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-5.43%
Min EPS beat(2)-7.26%
Max EPS beat(2)-3.6%
EPS beat(4)0
Avg EPS beat(4)-6.15%
Min EPS beat(4)-7.7%
Max EPS beat(4)-3.6%
EPS beat(8)3
Avg EPS beat(8)-2.09%
EPS beat(12)6
Avg EPS beat(12)0.11%
EPS beat(16)10
Avg EPS beat(16)8.56%
Revenue beat(2)1
Avg Revenue beat(2)0.16%
Min Revenue beat(2)-0.37%
Max Revenue beat(2)0.7%
Revenue beat(4)1
Avg Revenue beat(4)-2.64%
Min Revenue beat(4)-8.42%
Max Revenue beat(4)0.7%
Revenue beat(8)1
Avg Revenue beat(8)-1.99%
Revenue beat(12)1
Avg Revenue beat(12)-1.65%
Revenue beat(16)2
Avg Revenue beat(16)-1.52%
PT rev (1m)0.56%
PT rev (3m)1.15%
EPS NQ rev (1m)0.26%
EPS NQ rev (3m)-4.29%
EPS NY rev (1m)-0.21%
EPS NY rev (3m)-1.86%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)-1.63%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.35%
Valuation
Industry RankSector Rank
PE 9.3
Fwd PE 8.27
P/S 0.98
P/FCF 18.59
P/OCF 15.71
P/B 1.17
P/tB 1.21
EV/EBITDA 10.91
EPS(TTM)8.23
EY10.75%
EPS(NY)9.25
Fwd EY12.09%
FCF(TTM)4.12
FCFY5.38%
OCF(TTM)4.87
OCFY6.37%
SpS78.1
BVpS65.19
TBVpS63.08
PEG (NY)N/A
PEG (5Y)1.01
Graham Number109.87
Profitability
Industry RankSector Rank
ROA 1.43%
ROE 8.37%
ROCE 2.16%
ROIC 1.7%
ROICexc 1.71%
ROICexgc 2.25%
OM 10.48%
PM (TTM) 6.99%
GM N/A
FCFM 5.27%
ROA(3y)2.4%
ROA(5y)1.94%
ROE(3y)15.21%
ROE(5y)12.31%
ROIC(3y)2.64%
ROIC(5y)N/A
ROICexc(3y)2.65%
ROICexc(5y)N/A
ROICexgc(3y)3.26%
ROICexgc(5y)N/A
ROCE(3y)3.36%
ROCE(5y)N/A
ROICexgc growth 3Y21.47%
ROICexgc growth 5Y12.4%
ROICexc growth 3Y22.34%
ROICexc growth 5Y10.45%
OM growth 3Y14.4%
OM growth 5Y7.24%
PM growth 3Y19.13%
PM growth 5Y8.58%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.21
Health
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 5.44
Debt/EBITDA 2.33
Cap/Depr 107.2%
Cap/Sales 0.97%
Interest Coverage 250
Cash Conversion 54.84%
Profit Quality 75.47%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC7.89%
ROIC/WACC0.22
Cap/Depr(3y)108.22%
Cap/Depr(5y)104.31%
Cap/Sales(3y)0.97%
Cap/Sales(5y)0.95%
Profit Quality(3y)84.91%
Profit Quality(5y)89.05%
High Growth Momentum
Growth
EPS 1Y (TTM)0.37%
EPS 3Y24.82%
EPS 5Y9.18%
EPS Q2Q%-1.88%
EPS Next Y-0.48%
EPS Next 2Y4.71%
EPS Next 3Y6.87%
EPS Next 5Y6.87%
Revenue 1Y (TTM)2.13%
Revenue growth 3Y2.37%
Revenue growth 5Y1.4%
Sales Q2Q%5.02%
Revenue Next Year1.89%
Revenue Next 2Y2.54%
Revenue Next 3Y3.19%
Revenue Next 5Y3.77%
EBIT growth 1Y-43.7%
EBIT growth 3Y17.11%
EBIT growth 5Y8.74%
EBIT Next Year-0.37%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-37.11%
FCF growth 3Y2.8%
FCF growth 5Y-2.7%
OCF growth 1Y-32.94%
OCF growth 3Y2.93%
OCF growth 5Y-2.77%

UNUM GROUP / UNM FAQ

Can you provide the ChartMill fundamental rating for UNUM GROUP?

ChartMill assigns a fundamental rating of 4 / 10 to UNM.


What is the valuation status of UNUM GROUP (UNM) stock?

ChartMill assigns a valuation rating of 4 / 10 to UNUM GROUP (UNM). This can be considered as Fairly Valued.


How profitable is UNUM GROUP (UNM) stock?

UNUM GROUP (UNM) has a profitability rating of 4 / 10.


What is the valuation of UNUM GROUP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for UNUM GROUP (UNM) is 9.3 and the Price/Book (PB) ratio is 1.17.


How sustainable is the dividend of UNUM GROUP (UNM) stock?

The dividend rating of UNUM GROUP (UNM) is 7 / 10 and the dividend payout ratio is 33.52%.