Unum Group (UNM)

Unum Group, together with its subsidiaries, provides financial protection benefit solutions in the United States, the United Kingdom, and Poland. It operates through Unum US, Unum International, Colonial Life, and Closed Block segments. The company offers group long-term and short-term disability, group life, and accidental death and dismemberment products; supplemental and voluntary products, such as voluntary benefits, individual disability, and dental and vision products; and accident, sickness, disability, life, and cancer and critical illness products. It also provides group pensions, individual life and corporate-owned life insurance, reinsurance pools and management operations, and other miscellaneous products. The company sells its products to employers for the benefit of employees. It sells its products through field sales personnel, independent brokers, consultants, and independent contractor agent sales force and brokers. Unum Group was formerly known as UnumProvident Corporation and changed its name to Unum Group in March 2007. The company was founded in 1848 and is based in Chattanooga, Tennessee.

Ticker: UNM
Exchange: NYSE
Sector: Financial Services
Industry: Insurance - Life
Market cap: $12.17B
52-week range: $69.02 - $96.77

Valuation

Share price: $76.75 (close of Nov 6, 2026)
P/E (TTM): 53.67x
Price to book: 1.13x
Price to free cash flow: 7.49x
Enterprise value: $15.66B
Book value per share: $67.85

Price performance

Period	Change
1 day	+3.79%
5 days	-15.79%
1 month	-16.42%
3 months	-14.54%
6 months	-4.41%
Year to date	-0.97%
1 year	-0.04%
3 years	+75.67%
5 years	+191.16%
10 years	+114.45%
All time	+996.43%

Short interest

As of: Oct 15, 2026
Short % of float: 4.18%
Shares short: 4.93M
Days to cover: 2.83
Change since prior report: +10.28%
Source: FINRA consolidated short interest

Profitability and growth

Return on equity: 6.64%
Return on assets: 1.16%
Net margin: 5.65%
Revenue growth: 1.46%
Net income growth: -58.49%
Free cash flow growth: -59.97%

Cash flow and balance sheet

Free cash flow yield (TTM): 13.35%
Net debt to EBITDA: 5.27x

Latest reported year

Period end: Dec 31, 2025
Fiscal year: 2025
Revenue: $13.08B
Net income: $738.50M
Earnings per share: $4.28
Interest expense: $208.80M
Shares outstanding: 172.51M

Income statement by year

Period end	Revenue	Net income	EPS
2025-12-31	$13.08B	$738.50M	$4.28
2024-12-31	$12.89B	$1.78B	$9.49
2023-12-31	$12.39B	$1.28B	$6.53
2022-12-31	$11.98B	$1.41B	$7.01
2021-12-31	$12.01B	$981.00M	$4.80
2020-12-31	$13.16B	$793.00M	$3.89
2019-12-31	$12.00B	$1.10B	$5.25
2018-12-31	$11.60B	$523.40M	$2.38
2017-12-31	$11.29B	$994.20M	$4.39
2016-12-31	$11.05B	$931.40M	$3.96

Margins and returns by year

Period end	Net margin	Return on equity
2025-12-31	5.65%	6.64%
2024-12-31	13.81%	16.23%
2023-12-31	10.37%	13.30%
2022-12-31	11.74%	16.11%
2021-12-31	8.17%	16.26%
2020-12-31	6.02%	7.29%
2019-12-31	9.17%	11.04%
2018-12-31	4.51%	6.07%
2017-12-31	8.81%	10.38%
2016-12-31	8.43%	10.39%

Cash and debt by year

Period end	Cash	Debt
2025-12-31	$158.20M	$3.77B
2024-12-31	$162.80M	$3.47B
2023-12-31	$146.00M	$3.43B
2022-12-31	$119.20M	$3.43B
2021-12-31	$75.00M	$3.44B
2020-12-31	$197.00M	$3.35B
2019-12-31	$84.10M	$2.93B
2018-12-31	-	$2.97B
2017-12-31	-	$2.74B
2016-12-31	-	$3.00B

Free cash flow by year

Period end	Free cash flow	Stock-based compensation
2025-12-31	$555.40M	$53.60M
2024-12-31	$1.39B	$47.80M
2023-12-31	$1.07B	$64.10M
2022-12-31	$1.32B	$52.70M
2021-12-31	$1.28B	$35.40M
2020-12-31	$350.20M	$30.40M
2019-12-31	$1.46B	$26.60M
2018-12-31	$1.39B	$26.30M
2017-12-31	$1.06B	$29.50M
2016-12-31	$1.04B	$21.90M

Dividend history

Most recent payment: Oct 30, 2026
Paid in the last twelve months: $1.93

Payment date	Dividend per share
2026-10-30	$0.51
2026-07-24	$0.51
2026-04-24	$0.46
2026-01-30	$0.46
2025-10-24	$0.46
2025-07-25	$0.46
2025-04-25	$0.42
2025-01-24	$0.42

Investor relations

Past earnings dates

Reported	Fiscal period	EPS estimate
2026-11-03	Sep 2026	$2.18
2026-07-28	Jun 2026	$2.14
2026-04-28	Mar 2026	$2.07
2026-02-05	Dec 2025	$2.11
2025-11-03	Sep 2025	$2.15
2025-07-29	Jun 2025	$2.23
2025-04-29	Mar 2025	$2.19
2025-02-04	Dec 2024	$2.13

Filings and sources

Company website: unum.com
SEC filings: 10-K, 10-Q and 8-K on EDGAR
Earnings calendar: All upcoming reports

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