Stock AnalizUnum Group UNM
Accident &Health Insurance · data as of November 13, 2026
Unum Group (UNM) is a financial company listed in the US with a market value of about $12.4B. In the twelve months to September 30, 2026 it had revenue of $12.5B and net income of $243M, a net margin of 1.9%.
Its overall Stock Analiz score is 2.0 out of 5 (weak). The strongest part is shareholder returns (5/5); the weakest is future growth (0/5).
Key numbers: a P/E of 56.6, a price to free cash flow of 7.6, 5-year revenue growth of -0% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 69% below the current price.
Score: 2.0 / 5
Checks passed
- P/FCF below 20
- Profitable 5 years in a row
- More cash than debt, or low debt to equity
- Positive free cash flow
- Debt below 3 years of free cash flow
- Pays a dividend
- Share count down over 3 years (buybacks)
- 20% to 100% of free cash flow returned to shareholders
Checks not passed
- P/E below 25
- P/E below the industry median
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- 3-year free cash flow growth above 10% a year
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $12.5B | $13.1B | $12.9B | $12.4B | $12.0B | $12.0B | $13.2B | $12.0B | $11.6B | $11.3B | $11.0B |
| Net income | $243M | $738M | $1.8B | $1.3B | $1.4B | $981M | $793M | $1.1B | $523M | $994M | $931M |
| Free cash flow | $1.6B | $555M | $1.4B | $1.1B | $1.3B | $1.3B | $350M | $1.5B | $1.4B | $1.1B | $1.0B |
| EPS (diluted) | $1.41 | $4.27 | $9.46 | $6.50 | $6.96 | $4.79 | $3.89 | $5.24 | $2.38 | $4.37 | $3.95 |
| Net margin | 1.9% | 5.7% | 13.8% | 10.4% | 11.7% | 8.2% | 6.0% | 9.2% | 4.5% | 8.8% | 8.4% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 13 analysts is $96.23, 21% above the current price; targets range from $85.00 to $108.00; the consensus rating is “Buy”; expected EPS is $8.42 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Unum’s P/E ratio?
About 56.6, based on the last twelve months of diluted earnings per share (forward P/E about 9.6).
Is Unum stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 69% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Unum pay a dividend?
Yes. The dividend yield is about 2.48%, and it has paid dividends for 10 years in our data.
Is Unum a good stock to buy?
We do not give buy or sell advice. Unum scores 2.0 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.