8-K Announcements
6Material company update
Apr 28, 2026·SEC
Material company update
Mar 6, 2026·SEC
Material company update
Feb 5, 2026·SEC
Unum Group 6.250% JR NT58(UNMA)Earnings, Financials & Key Ratios
UNMA•NYSE•Insurance & Managed Care
$22.03
5.1× P/E·Price updated Jul 6, 2026
SectorFinancial ServicesIndustryDiversified InsuranceSub-IndustryLife, annuity and benefits insurers
AboutUnum Group engages in the provision of financial protection benefits. Its services include disability, life, accident, critical illness, dental, vision, and other related services. It operates through the following segments: Unum US, Unum International, Colonial Life, Closed Block, and Corporate. The Unum US segment focuses on group disability, group life and accidental death and dismemberment products, and supplemental and voluntary lines of business. The Unum International segment engages in the operations of the UK business, which includes insurance for group long-term disability, group life, and supplemental lines of business that include dental, individual disability, and critical illness products. The Colonial Life segment includes insurance for accident, sickness, disability products, life products, and cancer and critical illness products. The Closed Block segment consists of individual disability, group and individual long-term care, and other insurance products no longer actively marketed. The Corporate segment refers to investment income on corporate assets and other corporate income and expenses not allocated to a line of business. The company was founded in 1848 and is headquartered in Chattanooga, TN.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%
UNMA Price & Volume
Unum Group 6.250% JR NT58 (UNMA) stock price & volume — 10-year historical chart
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Legacy Reserve Volatility Masks Core Growth Potential
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Stable
Profitability:Moderate
Financial:Adequate
Cash Flow:Mixed
Primary Risk:Legacy LTC reserve volatility
Key Thesis Takeaways
- Unum Group demonstrates resilient core revenue growth of 9.0% as of 2026Q1, yet the investment profile remains heavily influenced by episodic volatility within its legacy long-term care insurance block.
- While the company maintains a stable equity base of $11.1 billion, investors should remain cautious regarding the potential for future reserve adjustments that have historically caused significant fluctuations in quarterly net income.
- The firm's aggressive capital return strategy, evidenced by $398.8 million in share repurchases during 2026Q1, must be weighed against the inherent sensitivity of its underwriting cash flows to unpredictable claims spikes.
Verdict Logic
while the forward P/E of 2.44 and 8.3% dividend yield appear attractive, the extreme volatility in quarterly loss ratios, which reached 78.0% in 2025Q3, warrants a cautious approach to the underlying credit risk.
UNMA Growth Metrics
Unum Group 6.250% JR NT58 (UNMA) 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%
UNMA Recent Earnings
Unum Group 6.250% JR NT58 (UNMA) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 4/12 qtrs (36%)●Beat Revenue 5/12 qtrs (45%)
Q2 2026Latest
Apr 28, 2026Metric
Actual
Est
EPS
$1.41-32.2%
$2.08
Rev
$3.4B+9.7%
$3.1B
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+1.6%
$3.3B
Q3 2025
Jul 29, 2025Metric
Actual
Est
EPS
$2.07-6.8%
$2.22
Rev
$3.4B+0.9%
$3.3B
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 28, 2026 | $1.41vs $2.08-32.2% | $3.4Bvs $3.1B+9.7% |
| 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+1.6% |
| Q3 2025 | Jul 29, 2025 | $2.07vs $2.22-6.8% | $3.4Bvs $3.3B+0.9% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Unum Group 6.250% JR NT58 (UNMA)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $22.03 | $4.98B | 5.15 | 2.07% | 5.66% | 6.69% | 8.04% | |
| $90.46 | $58.98B | 18.85 | 10.22% | 4.7% | 12.72% | — | |
| $114.28 | $39.75B | 11.18 | -14.01% | 5.62% | 10.26% | — | |
| $120.47 | $61.32B | 17.64 | -8.84% | 25.44% | 16.08% | — | |
| $38.39 | $7.34B | 6.57 | 1.24% | 9.14% | 16.79% | — | |
| $9.54 | $3.67B | 17.67 | -10.86% | 3.62% | 2.54% | — |
Compare UNMA vs Peers
Unum Group 6.250% JR NT58 (UNMA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
UNMA SEC Filings & Documents
Unum Group 6.250% JR NT58 (UNMA) SEC filings — annual & quarterly reports (10-K, 10-Q)
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UNMA Frequently Asked Questions
Unum Group 6.250% JR NT58 (UNMA) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Unum Group 6.250% JR NT58 growing?
Unum Group 6.250% JR NT58 (UNMA) grew revenue by 2.1% over the past year. Growth has been modest.
Is UNMA profitable?
Yes, Unum Group 6.250% JR NT58 (UNMA) is profitable, generating $781.4M in net income for fiscal year 2025 (5.7% net margin).
Dividend & Returns
Does UNMA pay dividends?
Yes, Unum Group 6.250% JR NT58 (UNMA) pays a dividend with a yield of 8.04%. This makes it attractive for income-focused investors.
What is UNMA's return on equity?
Unum Group 6.250% JR NT58 (UNMA) has a return on equity (ROE) of 6.7%. This is below average, suggesting room for improvement.
Industry Metrics
What is Unum Group 6.250% JR NT58's combined ratio?
Unum Group 6.250% JR NT58 (UNMA) has a combined ratio of 92.8%. A ratio below 100% indicates underwriting profitability.