Unum Group(UNM)Earnings, Financials & Key Ratios
UNM•NYSE•Insurance & Managed Care
$89.51
20.9× P/E·Price updated Jul 6, 2026
AboutUnum Group, together with its subsidiaries, provides financial protection benefit solutions primarily 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 individual disability, voluntary benefits, and dental and vision products; and accident, sickness, disability, life, and cancer and critical illness products. It also provides group pension, individual life and corporate-owned life insurance, reinsurance pools and management operations, and other products. The company sells its products primarily to employers for the benefit of employees. Unum Group sells its products through field sales personnel, independent brokers, consultants, and independent contractor agency sales force. The company was founded in 1848 and is based in Chattanooga, Tennessee.Show more
- Revenue$13.05B+2.1%
- Combined Ratio92.85%+12.7%
- Net Income$739M-58.5%
- Return on Equity6.69%-61.2%
- Medical Cost Ratio61.78%-1.8%
- Operating Margin7.15%-59.4%
- Net Margin5.66%-59.3%
- ROA1.17%-58.6%
- Equity / Assets17.35%-1.3%
UNM Price & Volume
Unum Group (UNM) stock price & volume — 10-year historical chart
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Legacy Liability Volatility Masks Core Growth Potential
Investment Thesis • Updated 2026Q1
VerdictNeutral: While the forward P/E of 10.26 suggests potential value
Growth:Stable
Profitability:Moderate
Financial:Adequate
Cash Flow:Mixed
Primary Risk:Legacy LTC reserve volatility
Key Thesis Takeaways
- Unum Group demonstrates resilient premium growth, evidenced by a 9.0% revenue increase in 2026Q1, yet its fundamental outlook remains constrained by the persistent earnings volatility inherent in its Closed Block of legacy long-term care policies.
- While the company maintains a stable $10.9 billion equity base, investors should monitor the ongoing sensitivity of underwriting margins, which saw the combined ratio fluctuate from 72.3% in 2024Q3 to 91.0% in 2026Q1.
- Future performance will likely depend on the company's ability to balance aggressive capital returns, such as the $398.8 million in 2026Q1 share repurchases, against the unpredictable cash requirements of its long-tail insurance liabilities.
Verdict Logic
the persistent volatility in underwriting cash flow and the structural risk of legacy liabilities warrant a cautious approach until the combined ratio stabilizes below the 90% threshold.
UNM Growth Metrics
Unum Group (UNM) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years1.98%
5 Years-0.14%
3 Years3.21%
TTM4.84%
Profit CAGR
10 Years-1.59%
5 Years-1.41%
3 Years-19.34%
TTM-50.32%
EPS CAGR
10 Years2.03%
5 Years1.93%
3 Years-14.96%
TTM-45.82%
Return on Capital
10 Years2.1%
5 Years2.43%
3 Years2.57%
Last Year1.48%
UNM Recent Earnings
Unum Group (UNM) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 6/12 qtrs (50%)●Beat Revenue 6/12 qtrs (50%)
Q2 2026Latest
Apr 28, 2026Metric
Actual
Est
EPS
$2.14+4.4%
$2.05
Rev
$3.4B+15.1%
$2.9B
Q1 2026
Feb 5, 2026Metric
Actual
Est
EPS
$1.92-9.0%
$2.11
Rev
$3.2B-1.3%
$3.3B
Q4 2025
Nov 3, 2025Metric
Actual
Est
EPS
$2.09-2.8%
$2.15
Rev
$3.4B+0.9%
$3.3B
Q3 2025
Jul 29, 2025Metric
Actual
Est
EPS
$2.07-7.2%
$2.23
Rev
$3.4B+0.9%
$3.3B
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 28, 2026 | $2.14vs $2.05+4.4% | $3.4Bvs $2.9B+15.1% |
| Q1 2026 | Feb 5, 2026 | $1.92vs $2.11-9.0% | $3.2Bvs $3.3B-1.3% |
| Q4 2025 | Nov 3, 2025 | $2.09vs $2.15-2.8% | $3.4Bvs $3.3B+0.9% |
| Q3 2025 | Jul 29, 2025 | $2.07vs $2.23-7.2% | $3.4Bvs $3.3B+0.9% |
Based on last 12 quarters of dataView full earnings history →
Latest UNM News
Recent stock market news and headlines for Unum Group (UNM)
Business Wire·1 day ago
Fortitude Re Announces $3.8 Billion Long-Term Care Reinsurance Agreement with Unum GroupHAMILTON, Bermuda--(BUSINESS WIRE)--Fortitude Re announced today the signing of a $3.8 billion reinsurance transaction between its subsidiary, Fortitude Reinsurance Company Ltd. (“FRL”) and Unum Life Insurance Company of America (“Unum”), a subsidiary of Unum Group (NYSE: UNM). Upon receipt of regulatory approvals and subject to satisfaction or waiver of certain other customary closing conditions, Unum will recapture from Fairwind Insurance Company ("Fairwind"), a wholly-owned subsidiary of Unu.
Business Wire·1 day ago
Unum Group Announces $3.8 Billion Long-Term Care Reinsurance Transaction with Fortitude ReCHATTANOOGA, Tenn.--(BUSINESS WIRE)--Unum Group (NYSE: UNM) announced today that its Unum Life Insurance Company of America subsidiary (“Unum America”) has entered into an agreement to cede to Fortitude Reinsurance Company Ltd. (“Fortitude Re”), on a coinsurance basis, certain individual long-term care (“LTC”) insurance policies representing $3.8 billion of statutory reserves in Fairwind Insurance Company, a wholly owned subsidiary of Unum (“Fairwind”). At closing, Unum America will recapture t.
Benzinga·5 days ago
Alphabet, Unum Group, JM Smucker And More: CNBC's ‘Final Trades'On CNBC's “Halftime Report Final Trades,” Stephen Weiss, chief investment officer and managing partner of Short Hills Capital Partners, recommended Alphabet Inc. (NASDAQ:GOOGL) (NASDAQ:GOOG).
Business Wire·6 days ago
Unum Group Promotes Andrew Walker to Executive Vice President, Chief Customer Operations OfficerCHATTANOOGA, Tenn.--(BUSINESS WIRE)--Unum Group (NYSE: UNM) has promoted Andrew Walker to Executive Vice President, Chief Customer Operations Officer. In this role, Walker will continue to lead the company's Customer Operations organization, overseeing the teams, capabilities and transformation efforts that support how Unum Group shows up for customers, partners and the businesses it serves. “Andrew has quickly made an impact by strengthening the way we serve customers and run our operations,”.
Peers Comparison
Key metrics vs top competitors for Unum Group (UNM)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $89.51 | $14.46B | 20.91 | 2.07% | 5.66% | 6.69% | 1.98% | |
| $90.46 | $58.98B | 18.85 | 10.22% | 4.7% | 12.72% | — | |
| $114.28 | $39.75B | 11.18 | -14.01% | 5.62% | 10.26% | — | |
| $38.39 | $7.34B | 6.57 | 1.24% | 9.14% | 16.79% | — | |
| $9.54 | $3.67B | 17.67 | -10.86% | 3.62% | 2.54% | — | |
| $112.55 | $24.31B | 21.44 | -3.11% | 10.03% | 12.72% | — |
Compare UNM vs Peers
Unum Group (UNM) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
UNM SEC Filings & Documents
Unum Group (UNM) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
Apr 28, 2026·SEC
Material company update
Mar 6, 2026·SEC
Material company update
Feb 5, 2026·SEC
10-K Annual Reports
310-Q Quarterly Reports
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UNM Frequently Asked Questions
Unum Group (UNM) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Unum Group growing?
Unum Group (UNM) grew revenue by 2.1% over the past year. Growth has been modest.
Is UNM profitable?
Yes, Unum Group (UNM) is profitable, generating $781.4M in net income for fiscal year 2025 (5.7% net margin).
Dividend & Returns
Does UNM pay dividends?
Yes, Unum Group (UNM) pays a dividend with a yield of 1.98%. This makes it attractive for income-focused investors.
What is UNM's return on equity?
Unum Group (UNM) has a return on equity (ROE) of 6.7%. This is below average, suggesting room for improvement.
Industry Metrics
What is Unum Group's combined ratio?
Unum Group (UNM) has a combined ratio of 92.8%. A ratio below 100% indicates underwriting profitability.