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

Overall UNM gets a fundamental rating of 4 out of 10. We evaluated UNM against 147 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. Profitability

1.1 Basic Checks

  • In the past year UNM was profitable.
  • In the past year UNM had a positive cash flow from operations.
  • Each year in the past 5 years UNM has been profitable.
  • Each year in the past 5 years UNM had a positive operating cash flow.
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

  • UNM has a Return On Assets (1.43%) which is in line with its industry peers.
  • With a Return On Equity value of 8.37%, UNM is not doing good in the industry: 61.22% of the companies in the same industry are doing better.
  • UNM has a Return On Invested Capital of 1.70%. This is comparable to the rest of the industry: UNM outperforms 42.86% of its industry peers.
  • 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 has a Profit Margin of 6.99%. This is comparable to the rest of the industry: UNM outperforms 44.22% of its industry peers.
  • In the last couple of years the Profit Margin of UNM has grown nicely.
  • Looking at the Operating Margin, with a value of 10.48%, UNM is in line with its industry, outperforming 40.82% of the companies in the same industry.
  • 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

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so UNM 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.
  • Compared to 1 year ago, UNM has a worse debt to assets ratio.
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: 64.63% 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.
  • The Debt to Equity ratio of UNM (0.32) is comparable to the rest of the industry.
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

  • UNM shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.37%.
  • Measured over the past years, UNM shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.18% on average per year.
  • UNM shows a small growth in Revenue. In the last year, the Revenue has grown by 2.13%.
  • Measured over the past years, UNM shows a small growth in Revenue. The Revenue has been growing by 1.40% on average per year.
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

  • The Earnings Per Share is expected to grow by 6.87% on average over the next years.
  • Based on estimates for the next years, UNM will show a small growth in Revenue. The Revenue will grow by 3.77% on average per year.
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

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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.
  • Based on the Price/Earnings ratio, UNM is valued a bit cheaper than 68.71% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 28.18. UNM is valued rather cheaply when compared to this.
  • UNM is valuated reasonably with a Price/Forward Earnings ratio of 8.27.
  • 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.
  • When comparing the Price/Forward Earnings ratio of UNM to the average of the S&P500 Index (25.51), we can say UNM is valued rather cheaply.
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 10.9
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

  • With a Yearly Dividend Yield of 2.41%, UNM has a reasonable but not impressive dividend return.
  • UNM's Dividend Yield is a higher than the industry average which is at 2.19.
  • UNM's Dividend Yield is a higher than the S&P500 average which is at 1.83.
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 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 the earnings are growing slower. 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 %N/A
Short RatioN/A
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 10.9
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%.