A Business at a Glance
0 of 5 daily views used (5 remaining). Sign up free for 10 daily views, or try AAPL for a full preview.
Unum Group, a Delaware general business corporation, and its insurance and non-insurance subsidiaries, which collectively with Unum Group we refer to as the Company, operate in the United States, the United Kingdom, Poland, and, to a limited extent, in certain other countries. The principal operating subsidiaries in the United States are Unum Life Insurance Company of America (Unum America), Provident Life and Accident Insurance Company (Provident), The Paul Revere Life Insurance Company (Paul Revere Life), Colonial Life & Accident Insurance Company, Unum Insurance Company, Starmount Life Insurance Company (Starmount), in the United Kingdom, Unum Limited, and in Poland, Unum Zycie TUiR S.A. (Unum Poland). We are a leading provider of financial protection benefits in the United States and the United Kingdom. Our products include disability, life, accident, critical illness, dental and vision, and other related services. We market our products primarily through the workplace.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 13.1B | 13.1B | 12.9B | 12.4B | 12.0B | 12.0B |
| Net Income | 739M | 739M | 1.8B | 1.3B | 1.4B | 981M |
| EPS | $4.27 | $4.27 | $9.46 | $6.50 | $6.96 | $4.79 |
| Free Cash Flow | 555M | 555M | 1.4B | 1.1B | 1.3B | 1.3B |
| ROIC | 5.1% | 5.0% | 12.9% | 10.2% | 13.0% | 8.3% |
| Gross Margin | 7.1% | 7.1% | 17.5% | 13.2% | 14.6% | 10.5% |
| Debt/Equity | 0.31 | 0.31 | 0.34 | 0.36 | 0.39 | 0.57 |
| Dividends/Share | $1.77 | $1.76 | $1.57 | $1.39 | $1.26 | $1.17 |
| Operating Income | 934M | 934M | 2.3B | 1.6B | 1.8B | 1.3B |
| Operating Margin | 7.1% | 7.1% | 17.5% | 13.2% | 14.6% | 10.5% |
| ROE | 6.6% | 6.7% | 17.3% | 14.0% | 19.1% | 11.6% |
| Shares Outstanding | 173M | 173M | 188M | 198M | 202M | 205M |
Unum Group passes 3 of 9 quality checks, indicating weak fundamentals.
Unum Group trades at 18.1x trailing earnings, compared to its 15-year median P/E of 7.1x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 22.8x vs a median of 7.7x. The company's 5-year average ROIC is 9.9% with a gross margin of 12.6%. Total shareholder yield (dividends + buybacks) is 9.9%. At current prices, the estimated annualized return to fair value is +2.9%.
Unum Group (UNM) has a current P/E ratio of 18.1, compared to its historical median P/E of 7.1. The stock is currently considered Expensive based on its historical valuation range.
Unum Group (UNM) has a 5-year average return on invested capital (ROIC) of 9.9%. This is below average and may indicate limited pricing power.
Unum Group (UNM) has a market capitalization of $13.4B. It is classified as a large-cap stock.
Yes, Unum Group (UNM) pays a dividend with a trailing twelve-month yield of 2.29%. The company also returns capital through share buybacks, with a buyback yield of 7.57%.
Based on historical P/E analysis, Unum Group (UNM) appears expensive. The current P/E of 18.1 is 155% above its historical median of 7.1. The estimated fair value CAGR (P/E method) is 12.3%.
Unum Group (UNM) operates in the Accident & Health Insurance industry, within the Financials sector.
Unum Group (UNM) reported annual revenue of $13.1 billion in its most recent fiscal year, based on SEC EDGAR filings.
Unum Group (UNM) has a net profit margin of 5.6%. This is a modest margin.
Unum Group (UNM) generated $555 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Unum Group (UNM) has a debt-to-equity ratio of 0.31. This indicates a conservatively financed balance sheet.
Unum Group (UNM) reported earnings per share (EPS) of $4.27 in its most recent fiscal year.
Unum Group (UNM) has a return on equity (ROE) of 6.7%. This indicates moderate shareholder returns.
Unum Group (UNM) has a 5-year average gross margin of 12.6%. This lower margin is typical of capital-intensive or commodity businesses.
The Ledger Terminal provides 16 years of financial data for Unum Group (UNM), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Unum Group (UNM) has a book value per share of $64.29, based on its most recent annual SEC filing.