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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 Framework: Insurance & Reinsurance Large Cap
Unum Group (UNM), is a Large Cap company, in the Insurance - Life industry, last closed at $91.02, about 23.2% overvalued vs fair value, +18.5% 1Y return, ranked 286/1078 in sector.
Metrics P/E 18.1× Rev Growth 1.5% ROE 6.7% Gross Margin 38.4% Div Yield 2.36%
USD 91.02
-0.13%
(Delayed)
• Vol 90d: 25.9%
52-Week Range
Market Cap
$14.41B
Enterprise Value
$17.97B
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Fair
Efficiency
Fair
Valuation
Good
Growth
Weak
Profitability
Weak
Health
Fair
Efficiency
Fair
Valuation
Good
Completeness: 100%
Confidence: 98%
Updated: Oct 31
Top Beats

Quick Facts

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

Next Events

Dividend Nov 20

Fair Value Snapshot

Bear Base Bull
$39
$70
$131
Current: $91.02 -23% vs base

Engine Room Money Flow™

Large Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$13.0B
1.5%%
Claims & Losses
-$8.1B
0.2%%
Acquisition & Admin Expenses
$1.2B
Underwriting Result
$933.5M
-58.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
62.1%
Good

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$1.3B
178.3% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
0/2
Improving
0
High Impact
1
Critical
Locked Leak
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Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

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

Overall Moat Strength
56
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Stable Underwriting Performance Through Cycles Underwriting stability score is 0.73, demonstrating consistent risk selection and reserving discipline through market cycles.
  • Consistent Capital Returns Through Cycles Capital adequacy stability is high (score 0.73), demonstrating resilience through insurance market cycles.

Key risks

  • Below-Peer Underwriting Margins Gross margin at 30.0th percentile and operating margin at 36.4th percentile indicate weak underwriting discipline vs peers.
  • Below-Peer Pricing Margins Premium margin signal is weak (score 0.33), with operating margin at 7.2% — below peers.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Underwriting Discipline

Moderate
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Signals, strengths and risks for Underwriting Discipline

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Signals, strengths and risks for Float Investment Quality

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Signals, strengths and risks for Pricing Power

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Signals, strengths and risks for Capital Strength & Solvency

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Signals, strengths and risks for Operational Efficiency

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Signals, strengths and risks for Scale & Diversification

Trade-Off Ledger™

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

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing UNM's balance between Growth (25.7%), Profitability (33.9%), and Safety (40.4%). Growth 26% Safety 40% Profitability 34%

Click axes to expand details. Marker shows current allocation.

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Growth

21th percentile vs peers
21
Key Signals
Rev Growth YoY 1.5% 24p Revenue CAGR 3Y 3.0% 24p Equity Growth YoY 1.4% 18p EPS Growth YoY -54.9% 10p Asset Growth YoY 2.5% 27p
Strengths

No notable strengths identified for this axis.

Risks
  • Equity Growth YoY in bottom 20% of peers (1.4%)
  • EPS Growth YoY in bottom 20% of peers (-54.9%)
  • Growth below peer median (percentile: 21)

Profitability

28th percentile vs peers
28
Key Signals
Strengths
Risks
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Safety

33th percentile vs peers
34
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:

  • Recently listed companies (IPOs, SPACs)
  • 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
$69.93
- - -
-23.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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