UNUM GROUP (UNM) Fundamental Analysis & Valuation

NYSE:UNM • US91529Y1064

73.39 USD
+2.73 (+3.86%)
At close: Mar 4, 2026
73.39 USD
0 (0%)
After Hours: 3/4/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This UNM fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

Taking everything into account, UNM scores 4 out of 10 in our fundamental rating. UNM was compared to 149 industry peers in the Insurance industry. UNM has a medium profitability rating, but doesn't score so well on its financial health evaluation. UNM has a correct valuation and a medium growth rate. UNM also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. UNM Profitability Analysis

1.1 Basic Checks

  • UNM had positive earnings in the past year.
  • UNM had a positive operating cash flow in the past year.
  • UNM had positive earnings in each of the past 5 years.
  • UNM had a positive operating cash flow in 4 of the past 5 years.
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 2025 500M 1B 1.5B 2B

1.2 Ratios

  • With a Return On Assets value of 1.43%, UNM perfoms like the industry average, outperforming 44.30% of the companies in the same industry.
  • UNM has a Return On Equity of 8.37%. This is comparable to the rest of the industry: UNM outperforms 41.61% of its industry peers.
  • The Return On Invested Capital of UNM (1.71%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 1.43%
ROE 8.37%
ROIC 1.71%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
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 2025 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 46.31% of its industry peers.
  • In the last couple of years the Profit Margin of UNM has remained more or less at the same level.
  • UNM's Operating Margin of 10.48% is in line compared to the rest of the industry. UNM outperforms 42.95% of its industry peers.
  • In the last couple of years the Operating Margin of UNM has remained more or less at the same level.
Industry RankSector Rank
OM 10.48%
PM (TTM) 6.99%
GM N/A
OM growth 3Y-18.61%
OM growth 5Y-0.65%
PM growth 3Y-21.63%
PM growth 5Y-1.28%
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 2025 5 10 15

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. UNM Health Analysis

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.
  • There is no outstanding debt for UNM. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
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

  • The Debt to FCF ratio of UNM is 5.44, which is a neutral value as it means it would take UNM, 5.44 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 5.44, UNM is not doing good in the industry: 63.76% of the companies in the same industry are doing better.
  • 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 50.34% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 5.44
Altman-Z N/A
ROIC/WACC0.22
WACC7.67%
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. UNM Growth Analysis

3.1 Past

  • UNM shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -3.79%.
  • Measured over the past years, UNM shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.45% on average per year.
  • Looking at the last year, UNM shows a small growth in Revenue. The Revenue has grown by 1.46% in the last year.
  • The Revenue has been decreasing by -0.13% on average over the past years.
EPS 1Y (TTM)-3.79%
EPS 3Y9.35%
EPS 5Y10.45%
EPS Q2Q%-5.42%
Revenue 1Y (TTM)1.46%
Revenue growth 3Y2.93%
Revenue growth 5Y-0.13%
Sales Q2Q%0.23%

3.2 Future

  • UNM is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.22% yearly.
  • The Revenue is expected to grow by 4.24% on average over the next years.
EPS Next Y13.89%
EPS Next 2Y12.56%
EPS Next 3Y10.68%
EPS Next 5Y11.22%
Revenue Next Year-8.18%
Revenue Next 2Y-1.86%
Revenue Next 3Y-0.18%
Revenue Next 5Y4.24%

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 stable.
  • 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 2029 2 4 6 8 10

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5

4. UNM Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 9.04, which indicates a very decent valuation of UNM.
  • Based on the Price/Earnings ratio, UNM is valued a bit cheaper than 67.11% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.03. UNM is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 7.94, which indicates a rather cheap valuation of UNM.
  • UNM's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. UNM is cheaper than 71.14% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of UNM to the average of the S&P500 Index (25.11), we can say UNM is valued rather cheaply.
Industry RankSector Rank
PE 9.04
Fwd PE 7.94
UNM Price Earnings VS Forward Price EarningsUNM Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of UNM is on the same level as its industry peers.
  • UNM's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. UNM is more expensive than 61.74% of the companies in the same industry.
Industry RankSector Rank
P/FCF 17.65
EV/EBITDA 10.47
UNM Per share dataUNM EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.65
PEG (5Y)0.86
EPS Next 2Y12.56%
EPS Next 3Y10.68%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. UNM Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.49%, UNM has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.50, UNM pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, UNM pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.49%

5.2 History

  • On average, the dividend of UNM grows each year by 7.77%, which is quite nice.
  • UNM has been paying a dividend for at least 10 years, so it has a reliable track record.
  • UNM has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
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.
  • The dividend of UNM is growing, but earnings are growing more, so the dividend growth is sustainable.
DP33.52%
EPS Next 2Y12.56%
EPS Next 3Y10.68%
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 2025 500M 1B 1.5B
UNM Dividend Payout.UNM Dividend Payout, showing the Payout Ratio.UNM Dividend Payout.PayoutRetained Earnings

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UNM Fundamentals: All Metrics, Ratios and Statistics

UNUM GROUP

NYSE:UNM (3/4/2026, 8:04:00 PM)

After market: 73.39 0 (0%)

73.39

+2.73 (+3.86%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-05
Earnings (Next)04-28
Inst Owners90.64%
Inst Owner Change-1.45%
Ins Owners0.86%
Ins Owner Change-4.08%
Market Cap12.16B
Revenue(TTM)13.08B
Net Income(TTM)913.10M
Analysts78.82
Price Target96.14 (31%)
Short Float %1.87%
Short Ratio2.08
Dividend
Industry RankSector Rank
Dividend Yield 2.49%
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)-0.14%
PT rev (3m)0.57%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.04%
EPS NY rev (1m)-0.07%
EPS NY rev (3m)-1.95%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.03%
Revenue NY rev (1m)-11.02%
Revenue NY rev (3m)-11.23%
Valuation
Industry RankSector Rank
PE 9.04
Fwd PE 7.94
P/S 0.93
P/FCF 17.65
P/OCF 14.91
P/B 1.11
P/tB 1.15
EV/EBITDA 10.47
EPS(TTM)8.12
EY11.06%
EPS(NY)9.25
Fwd EY12.6%
FCF(TTM)4.16
FCFY5.67%
OCF(TTM)4.92
OCFY6.71%
SpS78.87
BVpS65.83
TBVpS63.7
PEG (NY)0.65
PEG (5Y)0.86
Graham Number109.67
Profitability
Industry RankSector Rank
ROA 1.43%
ROE 8.37%
ROCE 2.16%
ROIC 1.71%
ROICexc 1.72%
ROICexgc 2.26%
OM 10.48%
PM (TTM) 6.99%
GM N/A
FCFM 5.27%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-18.61%
OM growth 5Y-0.65%
PM growth 3Y-21.63%
PM growth 5Y-1.28%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
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-Score4
WACC7.67%
ROIC/WACC0.22
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-3.79%
EPS 3Y9.35%
EPS 5Y10.45%
EPS Q2Q%-5.42%
EPS Next Y13.89%
EPS Next 2Y12.56%
EPS Next 3Y10.68%
EPS Next 5Y11.22%
Revenue 1Y (TTM)1.46%
Revenue growth 3Y2.93%
Revenue growth 5Y-0.13%
Sales Q2Q%0.23%
Revenue Next Year-8.18%
Revenue Next 2Y-1.86%
Revenue Next 3Y-0.18%
Revenue Next 5Y4.24%
EBIT growth 1Y-43.7%
EBIT growth 3Y-16.22%
EBIT growth 5Y-0.78%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-44.04%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-40.51%
OCF growth 3YN/A
OCF growth 5YN/A

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 5 / 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 9.04 and the Price/Book (PB) ratio is 1.11.


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

The dividend rating of UNUM GROUP (UNM) is 8 / 10 and the dividend payout ratio is 33.52%.