UNM

Unum Group

$93.43

+1.81% 2026-10-20

FinancialsS&P 400

1M 3M 6M 1Y 2Y

UNMSPY

+1.5%

-1.8%

+6.3%

+20.0%

YTD

+22.7%

+26.4%

Live chart

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Grades vs sector

Momentum

67th pct in sector

12-1 return: +21.6%
Percentile within its GICS sector across the S&P 1500.

Growth

12th pct in sector

D-

Revenue growth (YoY): +0.3%
Percentile within its GICS sector across the S&P 1500.

Value

47th pct in sector

Forward E/P: 10.2% · EBITDA/EV: 7.6%
Percentile within its GICS sector across the S&P 1500.

Profitability

10th pct in sector

D-

Profit margin: +5.3% · Return on equity: +6.4%
Percentile within its GICS sector across the S&P 1500.

Revisions

Not enough data yet

–

EPS estimate change, 30 days (current FY): –
30-day change in analysts' current-year EPS estimate; graded across covered stocks.

Our models

Not held by any of our 5 live models right now.

Quality Growth

not ranked (outside this model's universe or screens)

Momentum Top 15

not ranked (outside this model's universe or screens)

Momentum Blend

not in the current book

New Highs Growth

not ranked (outside this model's universe or screens)

Conviction 20

not in the current book

News

More news

Unum Group's Premium Growth and Share Buybacks Support 2026 Outlook

Zacks · Oct 19

Unum Group Declares Quarterly Dividend of $0.505 Per Share of Its Common Stock

Business Wire · Oct 15

3 US Life Insurance Stocks That Could Gain From Higher For Longer Rates

Simply Wall St. · Oct 14

BofA Securities Adjusts Price Target on Unum Group to $92 From $88, Keeps Neutral Rating

MT Newswires · Oct 12

Is Unum Group (UNM) Still Cheap As Colonial Life Strength Lifts Sentiment?

Simply Wall St. · Oct 08

Key stats

Market cap$14.8B

P/E (trailing)21.8

P/E (forward)9.9

52-week range69.02 – 96.77

Revenue growth (YoY, latest qtr)+0.3%

Dividend yield2.20%

Analyst consensusBuy (13)

Mean price target$102.15 (+9%)

Valuation and fundamentals

Valuation & fundamentals

Bottom line

Looks expensive

Model read-out from the numbers below, not advice. Score -3 (DCF counts double).

▼DCF (base case)below the price by 51%

•Forward P/E vs sector9.9x vs median 10.2x

▼Piotroski F-score3/9

•Net debt / EBITDA1.9x

•Analyst target+9% (13 analysts)

Discounted cash flow

Bear

$23

-75%

growth -3% · disc. 10.2% · term. 2.0%

Base

$46

-51%

growth 2% · disc. 9.2% · term. 2.5%

Bull

$77

-17%

growth 5% · disc. 8.2% · term. 3.0%

A DCF starts from trailing free cash flow, so it can overstate value if the last 12 months were unusually strong (or weak). Use the bear case or edit the starting cash flow if so.

Reverse DCFfor context, not a signal

Not meaningful for life & health insurance: for banks, insurers and lenders, cash moving through loans and deposits swamps "free cash flow". Book value and earnings are better guides.

Edit assumptions · recalculates instantly

Your value per share–

Free cash flow = operating cash flow − capital spending, trailing 12 months (TTM to 2026-06-30). Growth default: average of 3-year revenue CAGR and latest revenue growth, capped at 30%. Years 6–10 fade linearly to terminal growth. Discount rate = 4.25% risk-free assumption + beta 0.24 × 5% equity premium, kept within 7–13%. Bear: lower growth, +1 pt discount, 2% terminal. Bull: higher growth, −1 pt, 3%.

Multiples vs Financials

P/E (trailing)

sector median 13.0× · 81st pct

21.8×
pricier

Forward P/E

sector median 10.2× · 45th pct

9.9×
cheaper

EV / EBITDA

sector median 10.9× · 60th pct

12.3×
pricier

Price / sales

sector median 2.8× · 18th pct

1.1×
cheaper

Price / book

sector median 1.6× · 43rd pct

1.4×
cheaper

FCF yield

sector median 8.2% · 20th pct

4.7%
pricier

Forward EPS $9.43 vs trailing $4.28 (+120% expected growth). Forward P/E uses analysts' next-12-month estimate.

Quality & financial health

Gross margin

–

Operating margin

9.6%

FCF margin

5.2%

Net margin

5.3%

Return on equity

6.5%

Return on invested capital

7.4%

Net debt / EBITDA

1.9×

Current ratio

–

Interest cover

9.0×

Cash conversion (OCF/NI)

1.2×

Piotroski F-score 3/9 · last two fiscal years

✓ Positive net income✓ Positive operating cash flow✗ Return on assets improved✗ Cash flow above net income✗ Long-term debt / assets fell✗ Current ratio improved✓ No share dilution✗ Gross margin improved✗ Asset turnover improved

Analysts

Mean target

$102

+9%

Analysts

Buy

Range

$92–$122

low – high

● price · ◆ mean target

Annual history

FY	Revenue	Net income	Free cash flow
2025	$13.1B	$738.5M	$555.4M
2024	$12.9B	$1.8B	$1.4B
2023	$12.4B	$1.3B	$1.1B
2022	$12.0B	$1.4B	$1.3B
2021	$12.0B	$981.0M	$1.3B
2020	$13.2B	$793.0M	$350.2M

From the company's 10-K filings via SEC XBRL. 3-year revenue CAGR +2.9%.

Earnings

Next report: 2026-11-03 · during market · EPS est 2.17

EstimateActual (beat)Actual (miss)

Report	EPS est	Actual	Surprise
2026-07-28	2.15	2.16	+0.2%
2026-04-28	2.05	2.14	+4.2%
2026-02-05	2.11	1.92	-9.1%
2025-11-03	1.58	0.23	-85.4%
2025-07-29	2.21	2.07	-6.6%
2025-04-29	2.19	2.04	-6.9%
2025-02-04	2.14	2.03	-5.1%
2024-10-29	2.11	2.13	+1.1%

Quarterly revenue

Quarter	Revenue	YoY
2026-06-30	$3.4B	+0.1%
2026-03-31	$3.3B	–
2025-12-31	$3.2B	–
2025-09-30	$3.4B	–
2025-06-30	$3.3B	–

Analyst actions

Wells Fargo

2026-10-12 · main

Overweight → Overweight
PT $102

Barclays

2026-10-07 · main

Overweight → Overweight
PT $109

Morgan Stanley

2026-08-24 · main

Equal-Weight → Equal-Weight
PT $92

JP Morgan

2026-08-03 · main

Neutral → Neutral
PT $98

Keefe, Bruyette & Woods

2026-07-30 · main

Outperform → Outperform
PT $108

JP Morgan

2026-07-21 · main

Neutral → Neutral
PT $101

Recent dividends

2026-07-24: $0.505 · 2026-04-24: $0.460 · 2026-01-30: $0.460 · 2025-10-24: $0.460 · 2025-07-25: $0.460 · 2025-04-25: $0.420 · 2025-01-24: $0.420 · 2024-10-25: $0.420

Insider trades

Rice Walter Lynn Jr

SVP, Chief Accounting Officer · 2026-09-10

SELL
$206.4K

Keaney Timothy F

Director · 2026-09-10

SELL
$404.3K

Iglesias Lisa G

EVP, General Counsel · 2026-09-09

SELL
$377.7K

None

None · None

SELL
–

Stats refreshed 2026-10-20 18:09:14 ET from Yahoo Finance (yfinance). "–" means the data isn't available. Refresh now

coteau

Coteau Systematic Strategies publishes stock research and model portfolios. It doesn't manage money or give investment advice. Results are hypothetical unless marked Live. Data: Yahoo Finance (delayed) and SEC EDGAR.

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