UNM logo

UNUM GROUP

UNMNYSE
πŸ† #688 by market capEarnings Nov 3 Β· PostUS Equity
$433.74β–Ό $23.81 (βˆ’5.49%)
Simulated price
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24hβ–Ό 5.5%
7dβ–² 364.6%
14dβ–² 352.4%
30dβ–² 366.0%
ytdβ–² 459.4%
1yβ–² 460.3%
🏦Market Cap
$14.52B
Mid Cap
πŸ“ˆRevenue Growth (YoY)
+2.1%
Slowing
πŸ“ŠGross Margin
35.7%
Healthy
πŸ’΅FCF Margin
5.2%
Moderate
βš–οΈP/S Ratio
1.1x
Cheap
Otter Score
100
Very Good

Trading Snapshot

Day Range
$430.20 – $440.81
52-Week Range
$69.02 – $96.77
Volume
$1.81B
Avg Volume
$2.25B
Shares Outstanding
158.3M
Next Earnings
Nov 2, 2026

Fundamentals Snapshot

Annual Revenue
$13.05B
Last Q Revenue
$3.29B
P/E Ratio
21.4
P/S Ratio
1.1x
EPS (TTM)
$4.40
Dividend Yield
2.06%
Dilution (1yr)
βˆ’7.5%

Why Investors Own UNM

  • βœ“High-growth profile β€” revenue up +45.0% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 71% gross margin and 26% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

UNM logo

UNUM GROUP

UNM
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$13.1Bβ–² +2.1% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
38.2%β–² +3.0% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$934Mβ–Ό βˆ’58.5% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$555Mβ–Ό βˆ’60.0% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
168.0Mβ–Ό βˆ’7.5% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$3.7Bβ–Ό βˆ’$46M YoY
StockOtter Β· stockotter.space

About UNUM GROUP

Unum Group, along with its various subsidiaries, specializes in delivering financial protection benefits, primarily operating across the United States, the United Kingdom, and Poland. The company's operations are organized into distinct segments: Unum US, Unum International, Colonial Life, and the Closed Block. Its extensive product portfolio encompasses group coverage, including long-term and short-term disability, life insurance, and accidental death and dismemberment. Additionally, Unum provides a range of supplemental and voluntary offerings like individual disability, various voluntary benefits, and dental and vision plans. Further offerings include policies addressing accidents, sickness, general disability, life coverage, cancer, and critical illness. Beyond these, Unum's services extend to group pension plans, individual life insurance, corporate-owned life insurance (COLI), and the management of reinsurance pools. Its primary clientele consists of employers, who procure these solutions to benefit their workforce. Distribution is handled via a diverse network comprising in-house field sales teams, independent brokers, consultants, and an independent contractor agency sales force. Established in 1848, Unum Group maintains its headquarters in Chattanooga, Tennessee.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Very Good
100/100

Analyst Price Target

β“˜
Average Target
$446.65
β–² +3.0% Upside
High Target$499.97
Low Target$416.45
Based on 13 analysts

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