Unum (UNM) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Unum

NYSE•Financial Services•Insurance - Life

$94.71-0.22(<0.01%)Market open

Market Cap

$15.20B

P/E

21.6x

P/S

1.1x

P/B

1.4x

Unum Group, together with its subsidiaries, provides financial protection benefit solutions in the United States, the United Kingdom, and Poland. It operates through Unum US, Unum International, Colonial Life, and Closed Block segments. The company offers group long-term and short-term disability, group life, and accidental death and dismemberment products; supplemental and voluntary products, such as voluntary benefits, individual disability, and dental and vision products; and accident, sickness, disability, life, and cancer and critical illness products. It also provides group pensions, individual life and corporate-owned life insurance, reinsurance pools and management operations, and other miscellaneous products. The company sells its products to employers for the benefit of employees. It sells its products through field sales personnel, independent brokers, consultants, and independent contractor agent sales force and brokers. Unum Group was formerly known as UnumProvident Corporation and changed its name to Unum Group in March 2007. The company was founded in 1848 and is based in Chattanooga, Tennessee.

How this company scores

AverageMetricSide Score: 56/100

Strongest: Balance Sheet & Red Flags (17/25); weakest: Growth (11/25).

Profitability13/25

Growth11/25

Balance Sheet & Red Flags17/25

Cash & Earnings Quality15/25

Strengths

Low leverageCash-backed earningsConsistent growthImproving margins

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 21.6x5y range 5.4x – 21.6x

Currently above its 20-quarter median.

P/S · 1.1x5y range 0.4x – 1.1x

Currently above its 20-quarter median.

P/B · 1.4x5y range 0.4x – 1.4x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Margin Pressure

Watch

Operating margins declined 17.8% — watch for continued compression, which may signal competitive or cost pressure.

Price & Volume

Market Cap $15.20B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $13.35B
Q. Revenue: $3.37B
TTM EBITDA: $1.84B
TTM Op. Income: $1.63B
Q. Op. Income: $329.60M
TTM Net Income: $702.70M
Q. Net Income: $256.90M
EPS: $1.61
Shares Out.: $159.66M

$13.35B in TTM revenue grew 3.4% YoY, reaching $3.37B last quarter. TTM EBITDA of $1.84B and TTM operating income of $1.63B show growth is flowing through to the bottom line. TTM net income of $702.70M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 5 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 11.3%
Op. Margin: 9.8%
Net Margin: 7.6%

Op. margin of 9.8% is up 0.3% YoY — cost efficiency is improving. Net margin at 7.6% Over the past year, operating margin is up 3% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 21.6x
P/S Ratio: 1.1x
P/B Ratio: 1.4x

At 21.6x P/E, the stock trades within typical market levels. P/S of 1.1x and P/B of 1.4x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 134% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $63.49B
Cash: $199.20M
Long-Term Debt: $3.76B
Book Value: $10.81B
D/E Ratio: 0.3
Debt/EBITDA: 9.9

With $63.49B in assets and $3.76B in long-term debt, D/E is 0.3and book value is $10.81B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has risen for 4 consecutive quarters — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $503.50M
TTM Free Cash Flow: $693.00M
FCF Margin: 5.2%
FCF / Net Income: 1.0

TTM FCF of $693.00M on $503.50M in operating cash flow. The FCF / Net Income ratio of 1.0x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is down 52% — an improving trend.