Unum Group is a provider of group and individual income protection insurance products in the United States, the United Kingdom, Poland, and other countries. It is the domestic disability insurer, with the majority of premiums generated from employer plans.
It is a $14.5B financial services company. Revenue grew 3.4% over the last year, and it keeps 5¢ of every dollar of sales as profit. It trades at 20.7× earnings — near the highest of its own history.
- Website
- unum.com
- Location
- Chattanooga, TN
- Employees
- 10 910
- Sector
- Financial Services
- Founded
- 1887
Skills
Six independent scores, 0–100, built from reported numbers and valuation history. Click a row to see how it was scored.
Strong quality; Growth, Profitability, Health and Moat lag behind.
Valuation57
- P/E vs own history98th pct · 0/25
- FCF yield4.8% · 12/25
- P/S1.1x · 25/25
- EV/EBITDA14.3x · 20/25
Growth37
- Revenue CAGR2.1% · 6/25
- Net income CAGR-2.7% · 0/25
- EPS CAGR ~5Y1.9% · 6/25
- Fwd implied growth104.3% · 25/25
Profitability35
- ROIC6.2% · 5/25
- ROE6.4% · 5/25
- Net margin5.3% · 13/25
- Operating margin8.4% · 12/25
Health38
- Altman Zn/a · 0/25
- Current ration/a · 0/25
- Interest coverage5.5x · 18/25
- Net cash / debtD/A 1% · 20/25
Quality77
- Piotroski F4/9 · 10/25
- Beneish M-2.38 · 20/25
- FCF conversion99% · 22/25
- Margin stabilityσ 3.6% · 25/25
Moat37
- ROIC >12% years1/5 yrs · 0/25
- Median gross marginn/a · 0/25
- FCF-positive years10/10 yrs · 25/25
- Worst-year net marginworst 4.5% · 12/25
Experience
The company's career so far — founding, the IPO, landmark products and acquisitions, plus revenue milestones and insider buying.
- FY2024FinancialBest year on record$1.78B net income
- 2018MilestoneUnum was the third-largest disability insurer in the United States
- FY2016FinancialProfitable every year on record10 consecutive profitable years in our data
- FY2016FinancialRevenue already above $10B$11.0B in first reported year
- FY2016FinancialPositive free cash flow every year since10-year streak
- 2007MilestoneUnumProvident was renamed Unum
- 2001AcquisitionUnum stated that "only 2% of the policyholders who filed a claim with the company last year [2001] were found not to…
- 1999AcquisitionUnum Group was created by the 1999 merger of Unum Corporation and The Provident Companies and comprises four…
- 1993AcquisitionUnum acquired the Colonial Companies, parent company of Colonial Life & Accident Insurance Company
- 1990AcquisitionUnum acquired National Employers Life Assurance Holdings
- 1986MilestoneUnion Mutual became the first major mutual insurance company to demutualize in 1986
- 1940AcquisitionThe company acquired most of Massachusetts Accident Company's health and accident insurance business
- 1892AcquisitionThomas Maclellan and John McMaster purchased a 50% stake in the company for $1000
- 1887FoundedThe Provident companies was founded in Chattanooga, Tennessee in May 1887 as Mutual Medical Aid and Accident…
Achievements
Verifiable track record, straight from the reported numbers.
Strengths & watch-outs
What a bull and a bear would each point to. Both lists come from the reported numbers, not opinions.
Strengths
- Interest covered 5.5× by operating earnings
Watch-outs
Nothing stands out as a concern in the available data.
Qualifications
The basics a company should meet before you research it further. Each check uses the reported numbers.
- Revenue growing — the company sells more than a year ago+3.4% YoY
- Profitable — makes more than it spends$703M TTM
- Profit growing — earnings are higher than last year-15.0% YoY
- Generates cash — cash left after running and investing$693M TTM
- Debt under control — could handle its obligations~1.1y of cash flow to repay
- Established company — not a micro-cap — lower blow-up risk$14.5B market cap
- Not printing shares — share count not ballooning — you keep your slice-15.2% shares over ~5y
- Proven track record — years of profitability behind it10/10 profitable years
- Financially stable — balance sheet not near distresshealth score 18/100
- Pays a dividend — returns cash to shareholdersyield 2.12%
- Valuation not extreme — price not wildly above earningsP/E 20.7
Peer comparisonUnum Group vs 6 largest financial services peers — cap, P/E, growth and margin side by sideOpen ▾Close ▴
| Company | Market cap | P/E | Revenue growth | Net margin | Profile |
|---|---|---|---|---|---|
| UNM this company | $14.5B | 20.7 | +3.4% | 5.3% | Strained |
| BRK.A Berkshire Hathaway Inc. | $1.1T | 11.6 | +3.9% | 22.3% | Mixed |
| BRK.B Berkshire Hathaway | $1.1T | 11.6 | +0.0% | 18.0% | Strong |
| JPM JPMorgan Chase & Co. | $886.2B | 13.6 | +13.5% | 32.6% | Strained |
| V VISA Inc. | $723.9B | 31.9 | +14.4% | 50.8% | Solid |
| MA Mastercard Incorporated | $516.4B | 31.7 | +16.0% | 46.3% | Mixed |
| BAC Bank of America Corporation | $380.4B | 11.3 | +15.9% | 27.8% | Mixed |
Head-to-head: UNM vs BRK.A · UNM vs BRK.B · UNM vs JPM
References
What covering analysts publish about the company — information only, not a recommendation.
Appendix · Financial records
The full statements behind this CV, FY2016–FY2025. For readers who want to check the numbers.
Live data and quarterly detail: stockcv.com/UNM
Want the live picture — intraday moves, valuation history and full analysis?
Deeper analysis of UNM on PreMarketPriceFigures are derived from company filings (quarterly values normalised from as-filed year-to-date data where applicable) and may be delayed, restated or incomplete. This page is information, not investment advice. Latest price $91.67 · market cap $14.5B.