Unum Group (UNM) AI Stock Analysis

Unum Group is a provider of financial protection benefit solutions operating through segments including Unum US, Unum International, Colonial Life, and Closed Block. Established in 1848 and headquartered in Chattanooga, Tennessee, the company offers group long-term and short-term disability insurance, group life insurance, accidental death and dismemberment coverage, and supplemental products such as individual disability, dental, and vision coverage. It also provides accident, sickness, and critical illness insurance, as well as group pension services and corporate-owned life insurance. Products are distributed via field sales personnel, independent brokers, consultants, and an independent contractor agency sales force across the United States, the United Kingdom, and Poland.

Unum Group expanded annual revenue from $11.84B in FY2021 to $13.05B in FY2025, although its 5-year revenue CAGR through FY2025 was -0.1%. Net income reached $1.78B in FY2024 before decreasing to $738.5M in FY2025, which reduced net margin from 13.9% to 5.7%. Operating margin also contracted from 17.6% in FY2024 to 7.2% in FY2025. Over the trailing twelve months ending June 30, 2026, revenue stood at $13.35B with an operating margin of 11.4% and diluted EPS of $4.28. In the quarter ended June 30, 2026, quarterly revenue grew 0.3% year-over-year while quarterly earnings fell 16.2%.

As of June 30, 2026, Unum Group held $199.2M in cash and short-term investments against $3.76B in total debt, resulting in net debt of $3.56B. Shareholders' equity was $10.81B, supporting a debt-to-equity ratio of 0.35 and a current ratio of 17.97. In FY2025, the company generated $687.7M in operating cash flow and $555.4M in free cash flow after $132.3M in capital expenditures. Cash deployment in FY2025 included $1.01B in share buybacks and $306.2M in dividends paid, contributing to a 21.7% share count reduction over five years.

At a last close of $92.23, Unum Group trades at a trailing P/E of 21.5x, above the 12.1x median of its US-listed Financial Services peers. Its forward P/E of 8.5x sits below the peer median of 10.8x, and its price-to-sales ratio of 1.1x is lower than the peer median of 3.2x. Over the past year, UNM gained 28.2%, outperforming the S&P 500 return of 16.8%. Over five years, the stock returned 290.3% compared to 83.0% for the S&P 500.

Unum Group pays a quarterly dividend with a forward annual rate of $2.02, translating to a dividend yield of 2.19%. The company has paid dividends for 40 consecutive years and achieved a 5-year annualized dividend growth rate of 9.1%. Supported by a payout ratio of 29.9%, total dividends paid in FY2025 reached $306.2M.

Wall Street analysts track UNM with 7 Strong Buy, 2 Buy, and 4 Hold ratings, with no Sell or Strong Sell recommendations. The mean price target is $102.15, representing a 10.8% premium over the last close of $92.23. For the fiscal year ending December 31, 2026, consensus estimates project EPS of $8.67 on revenue of $12.11B. Unum Group beat EPS estimates in 2 of the last 4 quarters, and its next earnings date is November 3, 2026.

This page is an AI-written research summary of Unum Group (UNM). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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