Unum Group (UNM)

Unum Group is a financial protection and insurance company headquartered in Chattanooga, Tennessee. Through its subsidiaries, the company serves customers in the United States, the United Kingdom, and Poland. Its operations are organized into Unum US, Unum International, Colonial Life, and Closed Block segments. Unum Group provides a range of employee-focused protection products, including group long-term and short-term disability coverage, group life insurance, and accidental death and dismemberment products. It also offers supplemental and voluntary benefits such as individual disability, dental and vision, accident, sickness, life, cancer, and critical illness coverage, along with group pensions, individual life, corporate-owned life insurance, reinsurance pools, and related management operations. The company primarily sells through field sales personnel, independent brokers, consultants, and contractor agent networks. Founded in 1848, it was previously known as UnumProvident Corporation and adopted the Unum Group name in 2007.


Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NYSE-UNM
$96.83
9.8% Upside
Fair
$101.38
15.0% Upside
Fair
Fair
July 24, 2026
August 14, 2026
2.02
2.3%
July 28, 2026
18.0x
1.3x
1.1x
14.196 B
17.904 B
22.1%
89.7%
1.1
39.3%
69.0%
Valuation • Fair Value

Unum Group (NYSE-UNM) Fair Value by Valuation Model

Compare the primary fair value estimate for Unum Group (NYSE-UNM) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$96.83

Estimated upside of 9.8% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$54.26

Classic Ben Graham valuation formula reference.

DDM Fair Value

$138.91

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$82.80

Comparable-company valuation reference.

Analyst Price Target

$101.38

Analysts imply upside of 15.0%.

How to read these valuation models

Use this section to compare the primary fair value estimate for Unum Group (NYSE-UNM) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for Unum Group (NYSE-UNM)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

13.339 B

Current operating scale indicator.

Revenue Forecast

11.833 B

Forward revenue estimate.

EBITDA

1.327 B

Current operating profitability reference.

EBITDA Forecast

1.63 B

Forward operating profitability estimate.

How to read profitability and growth

This section helps investors review Unum Group (NYSE-UNM) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Unum Group (NYSE-UNM)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Fair

Mixed or neutral financial-health read.

Piotroski Score

5

Mid-range quality score.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

1.1

Lower score that deserves closer risk review.

FCF / Net Income

69.0%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Unum Group (NYSE-UNM). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Unum Group (NYSE-UNM)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

July 28, 2026

Days to Earnings

7

Dividend Payment Date

August 14, 2026

Ex-Dividend Date

July 24, 2026

Dividend Yield

2.3%

Income yield reference.

Upcoming Dividend

2.02

Upcoming distribution amount.

Payment Type

Cash

Distribution type as reported in the data.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

39.3%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Unum Group (NYSE-UNM), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Unum Group (NYSE-UNM) Stock Forecast & Technical Outlook

Review Unum Group (NYSE-UNM) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Sell

The 15-minute technical read for Unum Group (NYSE-UNM) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Sell

The 1-hour technical read for Unum Group (NYSE-UNM) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Neutral

The daily technical read for Unum Group (NYSE-UNM) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Unum Group (NYSE-UNM) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Unum Group (NYSE-UNM) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Unum Group (NYSE-UNM)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Buy

Based on the available recommendation mix, Unum Group (NYSE-UNM) has a Buy consensus, with 7 buy, 4 hold and 0 sell recommendations in the current data set.

Buy 7
Hold 4
Sell 0
FAQ Fast Investor Answers

Unum Group (NYSE-UNM) Stock FAQ

Quick answers about Unum Group (NYSE-UNM) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$96.83
Estimated upside 9.8%
Valuation Rating
Undervalued
Estimated upside of 9.8%
Analyst Target
$101.38
Implied upside 15.0%
Financial Health
Fair
Current financial-health read

The current fair value estimate for Unum Group (NYSE-UNM) is $96.83. This implies an estimated upside of 9.8% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 9.8% versus the current market price.

The available analyst price target for Unum Group (NYSE-UNM) is $101.38. The analyst target implies estimated upside of 15.0%.

The current financial health read for Unum Group (NYSE-UNM) is Fair. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Unum Group (NYSE-UNM) is July 28, 2026.

Based on the current data, dividend yield is 2.3%, upcoming dividend amount is 2.02, ex-dividend date is July 24, 2026, payment date is August 14, 2026.

The current P/E ratio listed for Unum Group (NYSE-UNM) is 18.0x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Unum Group is 14.196 B.

The current enterprise value listed for Unum Group is 17.904 B. Enterprise value can provide a broader valuation view than market capitalization alone because it also considers net debt.

The ticker symbol for Unum Group is NYSE-UNM, and the stock is listed on NYSE.

Unum Group (NYSE-UNM) is listed on NYSE.

The current debt-to-total-capital ratio listed for Unum Group is 22.1%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Unum Group is 89.7%. Free float helps investors understand how much of the share base is available for public trading.