reports hero background
Updated: Dec 16, 2025

Stock Analysis

UNM Logo
Unum Gr
NYSE:UNM
$77.11
-$0.01 |-0.01%
Day Range:
$76.04 - $77.75
Market Cap:
12.90B
P/E Ratio:
14.9149
Avg Value:
$75.65
Year Range:
$66.81 - $84.48
1
General Information
Unum Group is a provider of group and individual income protection insurance products in the United States, the United Kingdom, Poland, and other countries.

It is the domestic disability insurer, with the majority of premiums generated from employer plans. The company also offers a complementary portfolio of other insurance products, including long-term care insurance, life insurance, and employer- and employee-paid group benefits. It has the following operating business segments: Unum USA, Unum International, Closed Block, Colonial Life, and Corporate. The majority of the revenue is earned from the Unum USA segment. The firm markets its products through brokers.

2
Unum Gr (UNM) Stock Graph
3
How We Grade Unum Gr (UNM)

We grade stocks based on past performance, their future growth potential, intrinsic value, dividend history, and overall financial health.

The chart below shows how we grade Unum Gr (UNM) across the board compared to its closest peers.

4
Benzinga Edge Rankings

Benzinga Edge stock rankings give you four critical scores to help you identify the strongest and weakest stocks to buy and sell.

31.84

Growth measures a stock's combined historical expansion in earnings and revenue across multiple time periods, with emphasis on both long-term trends and recent performance.

83.88

Value is a percentile-ranked composite metric that evaluates a stock's relative worth by comparing its market price to fundamental measures of the company's assets, earnings, sales, and operating performance.

Momentum measures a stock's relative strength based on its price movement patterns and volatility over multiple timeframes, ranked as a percentile against other stocks.

46.59

Quality is a composite ranking that evaluates a company's operational efficiency and financial health by analyzing historical profitability metrics and fundamental strength indicators on a percentile basis relative to peers.

Stock Score Locked: Want to See it?
Benzinga Rankings give you vital metrics on any stock – anytime.
5
Future Growth
Our estimate of future price growth is based on an aggregation of 5 analyst ratings over the past 3 months and their 12-month price targets.

Below, you can see that analysts are estimating a 12-month price target range of $81.00 - $99.00 with an average of $93.00

20.61%
Expected movement for Unum Gr (UNM) over the next 12 months
Based on these rankings

Recent Ratings for Unum Gr (UNM)

Evercore ISI Group
Date:
Nov 5, 2025
Action:
Maintains
Prev. Target:
$96.00
New Target:
$99.00
JP Morgan
Date:
Nov 4, 2025
Action:
Maintains
Prev. Target:
$94.00
New Target:
$92.00
Barclays
Date:
Oct 8, 2025
Action:
Maintains
Prev. Target:
$92.00
New Target:
$95.00
Wells Fargo
Date:
Oct 8, 2025
Action:
Maintains
Prev. Target:
$100.00
New Target:
$98.00
Morgan Stanley
Date:
Oct 7, 2025
Action:
Maintains
Prev. Target:
$79.00
New Target:
$81.00
6
Valuation

Earnings History (3 years)

It is important to look at a companies earnings history to see not only if they are profitable, but if their earnings are growing.
As you can see from the chart above, UNM's earnings have increased for the past three years, this is a positive sign for the stock.
7
Dividend
There are few things we like to see when evaluating the quality of a company's dividend history and future

Ideally, we would like to see a company have a long history of consistently high dividend payouts that have grown at a consistent rate. From here we want to be confident that this sort of dividend growth and consistency will persist into the future.

The chart below shows the historical trend in Unum Gr (UNM) dividend yield on an annual basis.

-47.90%
Unum Gr (UNM) saw a decrease in it's dividend yield since 2020
8
Past Performance
How has Unum Gr (UNM) performed over the past 5 years?

The two main factors that we consider when analyzing past performance is overall return and volatility

Using these two metrics, we can determine if this stock gave its investors enough return for the risk that they took on by owning it. This is measured by the sharpe ratio, which has been used as a primary measure of risk/reward trade-off for almost 60 years.

This ratio can be interpreted as the amount of return an investor has received for the amount of risk that they took on by owning the stock over that timeframe.

Unum Gr (UNM) sharpe ratio over the past 5 years is 2.1795 which is considered to be above average compared to the peer average of 0.7302

9
Company Financials
INCOME STATEMENT
The income statement also known as the profit and loss statement, primarily focuses on the company's revenues and expenses during a particular period.

The main purpose of an income statement is to convey details of profitability and business activities. Below, is UNM's income statement for the previous four years along with its trailing-twelve- month profit & loss.

FISCAL YEAR (BIL.)
2021 ($)
2022 ($)
2023 ($)
2024 ($)
TTM ($)
Total Revenue
11.85
11.94
12.31
12.79
12.98
Operating Revenue
11.85
11.94
12.31
12.79
12.98
Cost Of Revenue
0.00
0.00
0.00
0.00
0.00
Gross Profit
0.00
0.00
0.00
0.00
0.00
Operating Expense
0.00
0.00
0.00
0.00
0.00
Selling General And Administration
0.98
1.09
1.16
1.17
1.17
Research and Development
0.00
0.00
0.00
0.00
0.00
Operating Income
0.00
0.00
0.00
0.00
0.00
Net Non-Operating Interest Income Expense
-0.18
-0.19
-0.19
-0.20
-0.21
Other Income Expense
0.00
0.00
0.28
0.29
0.31
Other Non-Operating Income Expenses
0.00
0.00
0.00
0.00
0.00
Pre-Tax Income
1.06
1.63
1.64
2.25
1.16
Tax Provision
0.24
0.32
0.36
0.47
0.25
Net Income
0.82
1.31
1.28
1.78
0.91
Net Income Common Stockholders
0.82
1.31
1.28
1.78
0.91
Total Operating Income As Reported
0.00
0.00
0.00
0.00
0.00
Total Expenses
10.79
10.30
10.67
10.54
11.82
Net Income From Continuing And Discontinued Operation
0.82
1.31
1.28
1.78
0.91
Normalized Income
0.87
1.32
1.28
1.78
0.92
Interest Income
0.00
0.00
0.00
0.00
0.00
Interest Expense
0.18
0.19
0.19
0.20
0.21
Net Interest Income
-0.18
-0.19
-0.19
-0.20
-0.21
EBIT
1.25
1.82
1.83
2.45
1.37
EBITDA
0.00
0.00
0.00
0.00
0.00
Reconciled Cost Of Revenue
0.00
0.00
0.00
0.00
0.00
Reconciled Depreciation
0.12
0.11
0.11
0.12
0.12
Normalized EBITDA
0.00
0.00
0.00
0.00
0.00
Tax Rate For Calcs
0.00
0.00
0.00
0.00
0.27
Tax Effect Of Unusual Items
-0.02
0.00
0.00
0.00
0.00
BALANCE SHEET
The balance sheet is a snapshot of a companies financials during a particular period in time.

It breaks down what company owns (assets) and what a company owes (liabilities), in order to give investors an overview of its capital structure.

FISCAL YEAR (BIL.)
2021 ($)
2022 ($)
2023 ($)
2024 ($)
TTM ($)
Total Assets
70.12
61.43
63.26
61.96
63.68
Current Assets
0.00
0.00
0.00
0.00
0.00
Total Non-Current Assets
0.00
0.00
0.00
0.00
0.00
Total Liabilities Net Minority Interest
58.70
52.24
53.60
51.00
52.77
Current Liabilities
0.00
0.00
0.00
0.00
0.00
Other Non-Current Liabilities
0.00
0.00
0.00
0.00
0.00
Total Equity Gross Minority Interest
11.42
9.20
9.65
10.96
10.91
Stockholders Equity
0.00
0.00
0.00
0.00
0.00
Total Capitalization
14.86
12.63
13.08
14.43
14.38
Common Stock Equity
11.42
9.20
9.65
10.96
10.91
Net Tangible Assets
10.99
8.79
9.24
10.56
10.55
Working Capital
0.00
0.00
0.00
0.00
0.00
Invested Capital
14.86
12.63
13.08
14.70
14.65
Tangible Book Value
10.99
8.79
9.24
10.56
10.55
Total Debt
3.44
3.43
3.43
3.74
3.75
Net Debt
3.37
3.31
3.28
3.58
3.42
Share Issued
0.31
0.31
0.19
0.20
0.20
Ordinary Shares Number
0.20
0.20
0.19
0.18
0.17
CASH FLOW STATEMENTS
A companies statement of cash flows gives an investor a break down of the cash inflows and outflows from a companies operations and investment activities.
FISCAL YEAR (BIL.)
2021 ($)
2022 ($)
2023 ($)
2024 ($)
TTM ($)
Cash Flow from Continuing Operating Activities
1.39
1.42
1.20
1.51
0.82
Net Income from Continuing Operations
0.82
1.31
1.28
1.78
0.91
Depreciation and Amortization
0.12
0.11
0.11
0.12
0.12
Deferred Tax
Deferred Income Tax
Stock-Based Compensation
Other Non-Cash Items
-0.36
0.08
0.04
0.06
-0.83
Change in Working Capital
1.14
0.15
-0.02
-0.22
0.74
Change in Receivables
0.68
0.57
0.60
0.62
0.58
Changes in Account Receivables
Change in Inventory
Change in Payables and Accrued Expense
0.31
-0.17
-0.16
0.07
-0.02
Change in Payable
0.30
-0.06
-0.08
0.10
0.09
Change in Account Payable
Change in Other Current Assets
Change in Other Current Liabilities
Change in Other Working Capital
0.30
-0.06
-0.08
Cash Flow from Continuing Investing Activities
-1.34
-0.96
-0.73
-0.34
0.82
Net PPE Purchase and Sale
-0.11
-0.10
-0.13
-0.13
-0.13
Net Business Purchase and Sale
Purchase of Business
Net Investment Purchase and Sale
-1.18
-0.80
-0.49
-0.47
0.58
Purchase of Investment
-4.71
-3.34
-3.49
-3.16
-3.11
Sale of Investment
3.53
2.54
3.00
2.69
3.69
Net Other Investing Changes
-0.05
-0.05
-0.10
0.25
0.37
Financing Cash Flow
-0.17
-0.42
-0.45
-1.15
-1.47
Cash Flow from Continuing Financing Activities
-0.17
-0.42
-0.45
-1.15
-1.47
Net Issuance Payments of Debt
0.09
Net Long-Term Debt Issuance
Long-Term Debt Issuance
Long-Term Debt Payments
-0.50
Net Short-Term Debt Issuance
Net Common Stock Issuance
-0.05
-0.20
-0.24
-0.97
-1.22
Common Stock Issuance
0.01
0.01
0.01
Common Stock Payments
-0.20
-0.25
-0.97
-1.22
Cash Dividends Paid
-0.24
-0.25
-0.28
-0.30
-0.31
Net Other Financing Charges
0.03
0.05
0.07
0.07
0.05
End Cash Position
0.88
0.52
0.54
0.74
1.92
Changes in Cash
-0.12
0.04
0.03
0.02
0.16
Beginning Cash Position
1.00
0.48
0.52
0.72
1.76
Capital Expenditure
-0.11
-0.10
-0.13
-0.13
-0.13
Issuance of Capital Stock
0.01
0.01
0.01
Issuance of Debt
Repayment of Debt
-0.50
Repurchase of Capital Stock
-0.20
-0.25
-0.97
-1.22
Free Cash Flow
1.28
1.32
1.07
1.39
0.69