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Company Analysis

Unum Group UNM

A comprehensive view of key metrics, scores, and financial health for Unum Group

Overview of Unum Group

UNM NYQ
Financial Services Insurance - Life Large Cap
Unum Group (UNM), is a Large Cap company, in the Insurance - Life industry, last closed at $72.16, about 6.9% overvalued vs fair value, -11.6% 1Y return, placing in the top 25% of its sector.
$72.16
-0.73%
As of March 13, 2026
Previous close • Vol 90d: 23.8%
52-Week Range
Market Cap
$12.04B
Enterprise Value
$15.78B
Overall Score
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Top Beats
No strong beats yet

Quick Facts

Website https://www.unum.com
HQ Chattanooga, TN
Employees 10,684
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$37
$67
$126
Current: $72.16 -7% vs base

Engine Room Money Flow™

Large Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$208.8M
3.8%%
Interest Expense
$208.8M
Net Interest Income
$-208.8M
-3.8%%
Total Revenue
$13.1B
2.1%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
16.2%
Excellent

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$1.3B
74.0% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Unum Group's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
54
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Moderate
53
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 96% Coverage
Trade-Off Triangle Visualization A ternary plot showing UNM's balance between Growth (29.5%), Profitability (40.2%), and Safety (30.3%). Growth 29% Safety 30% Profitability 40%

Click axes to expand details. Marker shows current allocation.

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Growth

34th percentile vs peers
35
Key Signals
Revenue CAGR 3Y 3.2% 54p Rev Growth YoY 2.1% 32p EPS CAGR 3Y -15.0% 45p TSR 8.6% 28p EPS Growth YoY -54.9% 9p
Strengths
  • Superior capital returns - 3 return metrics above peer median
  • Debt/Fcf Ratio in top 20% of peers (2.70, 84th percentile)
Risks
  • Eps Growth Yoy in bottom 20% of peers (-54.9%)

Profitability

47th percentile vs peers
48
Key Signals
Strengths
Risks
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Safety

35th percentile vs peers
36
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Unum Group.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$67.21
- - -
-6.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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