# Unum Group (UNM) fundamentals

Data as of 2026-11-04. NYSE, United States. Sector: Financial Services / Insurance. Price $91.03, market value $14.4 billion.

## Valuation
- **P/E (trailing): 21.3×** (5-yr avg 8.3×, 3-yr avg 10.6×). Unum Group trades at 21.3× trailing earnings, well above its own five-year average of 8.3×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 9.7×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 1.1×**. Each dollar of revenue is priced at 1.1×.
- **Price / book: 1.4×**. The shares trade at 1.4× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 4.8%** (5-yr avg 14.9%). Free cash flow equals 4.8% of the market value, below its five-year average of 14.9%, so the shares are pricier on cash than usual.
- **Earnings yield: 4.7%**. The inverse of the P/E: 4.7% of the price is earned each year.

## Profitability
- **Net margin: 5.6%**. 5.6% of each dollar of sales reaches the bottom line.
- **Return on equity: 6.6%**. 6.6% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 1.1%**. Each dollar of assets produces 1.1% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 1.5%** (3-yr 2.9%/yr, 5-yr -0.1%/yr). Revenue grew 1.5% over the last year, against -0.1% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): -54.9%** (3-yr -15.0%/yr, 5-yr 1.9%/yr). Earnings per share fell 54.9%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): -25.0%/yr**. Free cash flow has compounded at -25.0% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 3/9**. 3 of 9 checks pass: weak or deteriorating financials.

## Dividends
- **Dividend yield: 2.22%** ($1.89 per share, trailing). Unum Group yields 2.22%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 41%** (44% of free cash flow). 41% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 21**. 21 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 9.1%/yr** (1-yr 12.1%). The dividend has grown 9.1% a year over five years.

## Price and momentum
- **Total return (1 yr): 26.2%** (YTD 19.6%, 3-mo 1.0%). The shares are up 26.2% over twelve months including dividends.
- **From 52-week high: -5.9%** (31.9% above the low). Trading 6% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 48**. An RSI of 48 is neutral.
- **Beta (1 yr): 0.33** (volatility 24%). Beta of 0.33 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=UNM · Page: https://foliofundamentals.com/stocks/unm

Not investment advice.