UNM · NYSE · Insurance - Life

Unum Group (UNM)

Provides workplace insurance and leave services across the US, UK, and Poland.

$93.60
vs last close+0.04 (+0.04%)
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Unum GroupUNM
Financial sector

Sells workplace disability, life, accident, critical illness, dental, and vision insurance, together with leave and workforce-support services. Operations span the United States, United Kingdom, and Poland, while Closed Block houses long-duration products no longer marketed and adds actuarial, regulatory, and reinsurance dependencies.

Provides workplace benefits through Unum US, Unum International, and Colonial Life, alongside a Closed Block of products no longer marketed. Active offerings span disability, life, accident, critical illness, dental, and vision insurance, plus leave, absence-management, and behavioral-health services.

Operates across the United States, United Kingdom, and Poland, primarily through the Unum and Colonial Life brands. Employer and broker distribution, disciplined underwriting, claims execution, and integrated digital platforms connect insurance products with workforce-support services.

Carries long-duration run-off liabilities in Closed Block, including long-term care and individual disability. Results depend on policyholder behavior, actuarial assumptions, investment performance, regulatory approvals, and reinsurer performance; regulated subsidiaries also shape capital deployment across the group.

Company facts

CEORichard P. McKenney
ListedNov 6, 1986
ExchangeNYSE
HeadquartersChattanooga, TN
CountryUnited States
Employees10,910
CIK0000005513
ISINUS91529Y1064

Market cap$14.81B
EPS (ttm)$4.29
P/E (ttm)21.81
ROE6.4%
P/B1.37
P/S1.12
Dividend yieldDiv yield2.01%
Beta0.31vs XLF 0.86

Price target$98.00+4.7%Average of 30 analysts
ConsensusBuy15 of 30 analysts
Ratings

Target rangeAs of Sep 21, 2026

Latest analyst notes

DateFirmActionPriorCurrent
Aug 24, 2026Morgan StanleyReiterate
Rating: Target: $87
Rating: Equal WeightTarget: $92
Jul 15, 2026Atlantic EquitiesTarget
Target:
Target: $88
Jul 10, 2026JefferiesReiterate
Rating: Target: $115
Rating: BuyTarget: $123
Jul 7, 2026UBSTarget
Target: $85
Target: $94
Jul 7, 2026Evercore ISIReiterate
Rating: Target: $103
Rating: OutperformTarget: $106

Next report
Nov 3, 26
in 42 days
EPS estimate
$2.17
Revenue estimate
$2.91B
Fiscal quarter
Q3 FY26

EPSReportedEstimate

Feb '25Apr '25Jul '25Nov '25Feb '26Apr '26Jul '26Nov '26
Reported$2.03$2.04$2.07$2.09$1.92$2.14$2.16Pending
Estimate$2.14$2.19$2.23$2.15$2.11$2.05$2.16$2.17
Surprise−5.1%−6.8%−7.2%−2.8%−9.0%+4.4%0.0%

RevenueReportedEstimate

Feb '25Apr '25Jul '25Nov '25Feb '26Apr '26Jul '26Nov '26
Reported$3.24B$3.08B$3.36B$3.36B$3.24B$3.36B$2.90BPending
Estimate$3.29B$3.34B$3.33B$3.33B$3.29B$2.91B$2.90B$2.91B
Surprise−1.6%−7.9%+0.9%+0.9%−1.3%+15.1%−0.3%
Estimate$2.17
ReportedDue Nov 3, 2026
Estimate$2.91B
ReportedDue Nov 3, 2026
View details

Debt to equity34.80%
Current ratio1,796.90%

ProfitabilityRevenueNet incomeNet margin

Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26
Revenue$3.20B$3.20B$3.08B$3.35B$3.36B$3.24B$3.36B$3.29B
Net income$645.7M$348.7M$189.1M$335.6M$39.7M$174.1M$232.0M$256.9M
Net margin20.2%10.9%6.1%10.0%1.2%5.4%6.9%7.8%

GrowthOperating income

Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26
Operating income$886.4M$445.5M$243.6M$417.0M$54.5M$218.4M$302.7M$329.5M
YoY growth+238.7%+3.9%−50.9%−15.8%−93.9%−51.0%+24.3%−21.0%

Balance sheet, Jun 30, 2026Cash & short-term investments $199.2M · Total debt $3.76B · Total assets $63.49B · Shareholders' equity $10.81B

Revenue
$3.29B
Operating income
$329.5M
Net income
$256.9M
View details

Dividend yield
2.01%
Next ex-date
Oct 24, 26
estimated · in 32 days
Annual dividend
$1.89
per share
Schedule
Quarterly
4 payments a year

HistoryDividendAnnual yield

Oct '24Jan '25Apr '25Jul '25Oct '25Jan '26Apr '26Jul '26
Dividend$0.42$0.42$0.42$0.46$0.46$0.46$0.46$0.505
Annual yield2.55%2.17%2.14%2.13%2.31%2.37%2.37%2.19%
Ex-dateOct 25Jan 24Apr 25Jul 25Oct 24Jan 30Apr 24Jul 24
Payment dateNov 15Feb 14May 16Aug 15Nov 14Feb 20May 15Aug 14
View details

Institutions90.12%142.66M shares
790 holders · as of Jun 30, 2026
Insiders1.31%2.07M shares
23 holders · as of Sep 11, 2026
Other8.57%13.57M shares
remainder

158.31M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing

Top shareholders13F · 13D/G · Form 4

HolderStakeSharesDate
BlackRock, Inc.Institution
11.37%17.99Mas of Jun 30, 2026
Norges BankInstitution
8.37%13.26Mas of Jun 30, 2026
Vanguard Portfolio Management LLCInstitution
5.42%8.59Mas of Jun 30, 2026
FMR LLCInstitution
4.89%7.74Mas of Jun 30, 2026
Vanguard Capital Management LLCInstitution
4.30%6.80Mas of Jun 30, 2026

Insider tradesForm 4

DateInsiderRoleSharesAvg price
Sep 10, 2026Timothy F. Keaneydirector−4,300$94.02
Sep 10, 2026Walter Lynn JR Riceofficer: SVP, Chief Accounting Officer−2,188$94.32
Sep 9, 2026Lisa G. Iglesiasofficer: EVP, General Counsel−4,000$94.44
Apr 30, 2026Elizabeth Claire Ahmedofficer: EVP, People & Communications−12,000$80.14
Mar 16, 2026Christopher W. Pyneofficer: EVP, Group Benefits−4,852$72.47
View details

  • MetLife

    Broad employer-benefits rival across disability, life, dental, and vision

  • The Hartford

    Direct rival in group disability, life, voluntary benefits, and leave

  • Lincoln Financial

    Group-protection rival in disability, life, dental, and supplemental health

  • Principal Financial Group

    Specialty-benefits rival focused on small and midsize employers

  • Prudential Financial

    Large group-insurance rival in disability, life, leave, and supplemental health

  • Aflac

    Worksite supplemental rival across disability, accident, and critical illness

  • Voya

    Workplace-benefits rival in stop loss, group protection, and voluntary coverage

Compare

CompanyPriceChange
Unum Group$93.60+0.04%$14.81B21.810.51.1−13.8%
MetLife$95.72−0.96%$62.18B18.59.10.8+10.0%
The Hartford$129.60−0.87%$35.84B8.59.91.2+4.0%
Lincoln Financial$41.04−1.54%$7.98B3.55.00.4+21.2%
Principal Financial Group$113.08−2.91%$24.94B16.611.31.6+8.9%
Prudential Financial$117.13−1.18%$41.13B10.78.30.6+2.8%
Aflac$114.70−0.42%$58.62B12.415.73.2−2.4%
Voya$98.15−2.37%$9.11B17.09.32.4+3.2%
Median12.49.31.2+4.0%