Unum Group (UNM)

Official site

FINANCIAL SERVICES • INSURANCE - LIFE • NYSE

$76.76

+2.81 (+3.80%)

Market Cap: $11.55B

Last updated: Nov 06, 2026 at 4:42 PM ET

Earnings

Performance (10Y)

Beat Rate

65%(26/40)

Avg Surprise

+2.67%

Streak

3 Q

Upcoming Estimates

Period ending Dec 31, 2026

EPS Consensus$2.30

Range$2.23 - $2.43

13 analysts

Revenue Consensus

$3.3B

Range$2.9B - $4.7B

6 analysts

Last 12 of 40 reported quarters and 1 upcoming estimate

Period	Reported	Est.	Range	Surprise	B/M	Analysts	Revisions	YoY
Dec 31, 2026Dec 26EST	-	$2.30	$2.23 - $2.43	-	-	13	-	-
Sep 30, 2026Sep 26 Reported Nov 3, 2026Reported Nov 3	$2.20	$2.18	$2.11 - $2.22	+0.92%	Beat	12	1 2 30d	+856.5%
Jun 30, 2026Jun 26 Reported Jul 28, 2026Reported Jul 28	$2.16	$2.14	$2.09 - $2.19	+0.93%	Beat	12	0 2 30d	+4.3%
Mar 31, 2026Mar 26 Reported Apr 28, 2026Reported Apr 28	$2.14	$2.05	$1.98 - $2.16	+4.39%	Beat	12	1 4 30d	+4.9%
Dec 31, 2025Dec 25 Reported Feb 5, 2026Reported Feb 5	$1.92	$2.11	$2.04 - $2.15	-9.00%	Miss	13	2 4 30d	-5.4%
Sep 30, 2025Sep 25 Reported Nov 3, 2025Reported Nov 3	$0.23	N/A	-	-85.44%	Miss	14	1 3 30d	-89.2%
Jun 30, 2025Jun 25 Reported Jul 29, 2025Reported Jul 29	$2.07	$2.21	$2.12 - $2.31	-6.33%	Miss	13	1 8 30d	-4.2%
Mar 31, 2025Mar 25 Reported Apr 29, 2025Reported Apr 29	$2.04	$2.19	$2.10 - $2.26	-6.85%	Miss	13	4 4 30d	-3.8%
Dec 31, 2024Dec 24 Reported Feb 4, 2025Reported Feb 4	$2.03	$2.14	$2.07 - $2.22	-5.14%	Miss	12	3 2 30d	+13.4%
Sep 30, 2024Sep 24 Reported Oct 29, 2024Reported Oct 29	$2.13	$2.11	$2.04 - $2.19	+0.95%	Beat	14	4 0 30d	+9.8%
Jun 30, 2024Jun 24 Reported Jul 30, 2024Reported Jul 30	$2.16	$2.02	$1.98 - $2.05	+6.93%	Beat	13	2 0 30d	+4.9%
Mar 31, 2024Mar 24 Reported Apr 30, 2024Reported Apr 30	$2.12	$1.97	$1.93 - $2.02	+7.61%	Beat	12	3 1 30d	+13.4%
Dec 31, 2023Dec 23 Reported Jan 30, 2024Reported Jan 30	$1.79	$1.86	$1.79 - $1.97	-3.76%	Miss	13	2 0 30d	+25.2%

Dividends

Last ex-dividend: Oct 30, 2026

Dividend Metrics

Forward Yield2.63%

Forward Annual Dividend$2.02

Payout Ratio122.94%

FrequencyQuarterly

Pay MonthsFeb, May, Aug, Nov

Growth

3Y CAGR+11.78%

5Y CAGR+9.07%

UNM dividend history and ex-dividend dates Run UNM in the free DRIP calculator

Key Metrics

Valuation
P/E Ratio	9.12	EV/EBITDA	24.90x
Price/FCF	7.32x	FCF Yield	13.66%
Profitability
Profit Margin	1.94%	Operating Margin	-19.50%
ROE	6.35%	ROIC	1.67%
Financial Health
Debt/Equity	0.35x	Interest Coverage	1.41x
Current Ratio	N/A	Quick Ratio	N/A
Trading Statistics
Beta	0.23	Avg Volume	2.24M
52-Week High	$96.24	52-Week Low	$67.83

Technical Indicators Dashboard

Moving Averages

SMA 10$85.78

SMA 20$88.82

SMA 50$90.88

SMA 200$83.46

EMA 10$83.83

EMA 20$86.94

EMA 50$89.11

EMA 200$85.36

MACD

Line: -3.07Signal: -1.28Hist: -1.79

ADX

ADX: 22.2+DI: 10.8-DI: 42.1

Aroon & PSAR

Aroon Up52.0

Aroon Down96.0

PSAR$89.96

Bollinger Bands

Upper Band$100.85

Lower Band$76.79

%B Position2709%(Upper)

Band Width-0.00

RSI (14-Day)

Oversold

27.6

Momentum Oscillators

Stoch %K9.8

Stoch %D23.0

Williams %R-82.6

ROC (10d)-14.5%

Momentum-13.02

CCI (20d)-214.6

MFI (14d)30.2

Volatility Measures

ATR (14d)$3.37(4.4%)

StdDev (20d)6.02

Hist Vol67.9%(High)

Volume Flow

VWAP$75.71

OBV1.8M

AD Line-473.2M

CMF (20d)-0.294

Volume Metrics

Avg Vol (20d)2.3M

Vol Ratio1.7x(High)

VWMA (20d)$83.89

Pivot Points

R3$79.50

R2$78.04

R1$76.00

Pivot Point$74.54

S1$72.50

S2$71.04

S3$69.00

Advanced Oscillators

TSI-32.10

Ultimate Osc33.6

KST-56.79

Financial Data

Quarter	Sep 2026	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023
Total Revenue	$2.49B	$3.32B	$3.30B	$3.19B	$3.33B	$3.31B	$3.04B	$3.18B	$3.17B	$3.18B	$3.15B	$3.10B
Cost of Revenue	N/A	N/A	$2.00B	$1.89B	$2.62B	$2.28B	$2.17B	$2.15B	$95.60M	$2.09B	$2.06B	$2.08B
Gross Profit	N/A	N/A	$1.35B	$1.35B	$738.20M	$1.07B	$910.50M	$1.05B	$3.11B	$1.11B	$1.12B	$1.05B

Operating Expenses	$3.04B	$2.99B	$3.00B	$2.97B	$3.27B	$2.89B	$2.80B	$2.74B	$2.35B	$2.69B	$2.66B	$2.67B
R&D	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
SG&A	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Operating Income	N/A	N/A	$302.70M	$218.40M	$54.50M	$417.00M	$243.60M	$445.50M	$886.40M	$495.50M	$495.70M	$428.70M

Interest Income	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Interest Expense	$54.00M	$53.30M	$53.10M	$52.60M	$52.20M	$52.00M	$52.00M	$52.50M	$49.20M	$49.90M	$49.50M	$49.20M
Income Before Tax	$-549,400,000	$329.50M	$302.70M	$218.40M	$54.50M	$417.00M	$243.60M	$445.50M	$814.60M	$495.50M	$495.70M	$428.70M
Income Tax Expense	$-129,700,000	$72.60M	$70.70M	$44.30M	$14.80M	$81.40M	$54.50M	$96.80M	$168.90M	$106.00M	$100.50M	$98.10M

Net Income	$-419,700,000	$256.90M	$232.00M	$174.10M	$39.70M	$335.60M	$189.10M	$348.70M	$645.70M	$389.50M	$395.20M	$330.60M

EBITDA	$-482,300,000	$425.90M	$380.20M	$294.00M	$130.10M	$456.90M	$283.20M	$482.00M	$855.60M	$535.00M	$536.20M	$467.60M
EBIT	$-549,400,000	$329.50M	$302.70M	$218.40M	$54.50M	$417.00M	$243.60M	$445.50M	$814.60M	$495.50M	$495.70M	$428.70M

* Some calculated fields are derived from available data when not provided by source

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News

Unum Group (UNM) Q3 2026 Earnings Call Transcript

This document provides the transcript for Unum Group's Q3 2026 Earnings Call, which took place on November 4, 2026, at 8:00 AM EST. It lists all company participants...

Fortune•Nov 5, 2026 6:57 PM ET11/5/26•Neutral

Unum Group stock hits 52-week low at 19.49 USD

Unum Group stock has reached a new 52-week low of $19.46, marking a 17.3% decrease over the past year from its high of $23.94. Despite this downturn, the company offers a 7.89% dividend yield...

Investing.com•Nov 5, 2026 11:12 AM ET11/5/26•Bearish

Fortitude Re closes $3.8bn Unum deal, cuts carrier’s LTC reserves by 40%

Fortitude Reinsurance Company Ltd. has finalized a $3.8 billion long-term care (LTC) reinsurance transaction with Unum Group...

Insurance Business•Nov 5, 2026 9:12 AM ET11/5/26•Somewhat-Bullish

Unum Life Insurance closes $3.8 bn long-term care reinsurance deal with Fortitude Re

Unum Group has completed a $3.8 billion long-term care (LTC) reinsurance transaction with Fortitude Reinsurance Ltd....

Beinsure•Nov 4, 2026 4:41 PM ET11/4/26•Somewhat-Bearish

Unum Group Investigation Notice: Levi & Korsinsky Notifies Investors of Pending Investigation Into Unum Group (UNM)

Levi & Korsinsky, LLP is investigating Unum Group (UNM) on behalf of investors who lost money following the company's third-quarter report. The report disclosed a $419.7 million net loss, an SEC comment-letter process...

PR Newswire•Nov 4, 2026 2:04 PM ET11/4/26•Bearish

UNM Valuation and Fair Value

P/E: 9.1x
Forward P/E: 8.2x
EV/EBITDA: 24.9x
P/FCF: 7.3x
PEG: 1.0x
P/B: 1.1x

See GNG's fair value

UNM Profitability: Margins, ROIC and FCF

Operating margin: -19.5%
Net margin: 1.9%
ROIC: 1.7%
ROE: 6.3%
FCF margin: 13.2%
FCF yield: 13.7%

UNM Competitors

Company	Ticker
Jefferies Financial Group Inc	JEF
Fidelity National Financial Inc	FNF
Comerica Incorporated	CMA
BitMine Immersion Technologies, Inc.	BMNR
Ally Financial Inc	ALLY
Brookfield Wealth Solutions Ltd.	BNT
Invesco Plc	IVZ
Evercore Partners Inc	EVR

Sector: Financial Services

UNM Analyst Ratings

Consensus: Buy
Analysts: 13
Strong Buy: 2
Buy: 7
Hold: 4
Sell: 0
Strong Sell: 0

UNM Bull Case vs Bear Case

Bull case

69.2% of UNM's analyst ratings are Buy or Strong Buy.

Bear case

UNM beat EPS estimates in 37.5% of its last 8 reported quarters.
UNM's quarterly revenue changed -24.6% year over year.

UNM Earnings: Beat Rate and Next Report

Beat rate: 3 of 8 quarters (37.5%)
Average surprise: -13.3%
EPS estimate (fiscal period ending Dec 31, 2026): $2.30

UNM Dividend

Forward yield: 2.6%
Payout ratio: 122.9%
3Y DPS growth: 11.8%
5Y DPS growth: 9.1%
Pay months: Feb, May, Aug, Nov

UNM dividend history

UNM Earnings Date

UNM reports Feb 2, 2027, after the close. The date is confirmed.

UNM Earnings Call

The latest UNM earnings call transcript on file is labeled 2026Q3.

Read the 2026Q3 transcript

UNM ETF Holders

GNG tracks 20 ETFs that hold UNM. The largest weights:

SEI QiM U.S. Large Cap Value Active ETF (SEIV), 1.05% of the fund
iShares Select Dividend ETF (DVY), 1.03% of the fund
S&P MidCap 400 ETF (MDY), 0.37% of the fund
Vanguard Morningstar Small-Cap Value ETF (VBR), 0.30% of the fund
iShares U.S. Financials ETF (IYF), 0.23% of the fund

Open the ETF Stock Exposure tool for UNM

See insider activity

Frequently Asked Questions About UNM

When is UNM's next ex-dividend date?

UNM has not declared its next regular ex-dividend date yet. Its last ex-dividend date was Oct 30, 2026 ($0.505 per share). Over the last 12 months, UNM went ex-dividend in Jan, Apr, Jul and Oct.

When does UNM report earnings?

Unum Group (UNM) is confirmed to report earnings on Feb 2, 2027.

What is UNM's current dividend yield?

Unum Group (UNM) has a forward dividend yield of 2.63%.

Does UNM pay dividends?

Yes, Unum Group pays dividends with a forward dividend yield of 2.63%.

What is UNM's P/E ratio?

Unum Group has a price-to-earnings (P/E) ratio of 9.12.

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