UNM
Financial ServicesUnum Group · Insurance - Life · $14B
What is Unum Group?
Unum Group is a large-cap financial protection company headquartered in Chattanooga, Tennessee. It specializes in workplace benefit solutions sold primarily through employers across the United States, United Kingdom, and Poland.
Unum generates revenue by underwriting group and individual insurance products sold to employers for the benefit of their employees. Its four operating segments — Unum US, Unum International, Colonial Life, and Closed Block — cover a broad range of financial protection needs. The company distributes products through field sales teams, independent brokers, and contractor agency networks, earning premiums and investment income on its insurance reserves.
Unum Group traces its roots to 1848 and is currently headquartered in Chattanooga, Tennessee.
- Group long-term and short-term disability insurance
- Group life and accidental death coverage
- Voluntary and supplemental individual disability products
- Dental, vision, accident, and critical illness benefits
- Corporate-owned life insurance and reinsurance operations
Is UNM a Good Stock to Buy?
UQS Score rates UNM as Below Average overall.
Among the five pillars, Valuation stands out as Attractive, suggesting the stock may be priced modestly relative to its fundamentals. The Risk pillar registers as Neutral, indicating the company does not carry outsized financial or operational risk relative to sector peers.
Quality, Moat, and Growth all score as Weak — pointing to limited competitive differentiation, constrained earnings power, and below-average growth prospects within the financial services sector.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does UNM pay dividends?
Yes — Unum Group pays a dividend.
Unum Group pays a regular dividend, consistent with its profile as a mature insurance holding company. Insurers in this segment often return capital to shareholders through dividends given the steady, premium-driven cash flows inherent to the business model. Income-focused investors may find the dividend cadence appealing, though the overall UQS profile warrants careful review.
When does UNM report earnings?
Unum Group reports earnings on a quarterly cadence, typical for US-listed financial services companies.
The company's Growth pillar is rated Weak, reflecting limited momentum in revenue and earnings expansion relative to sector peers. Quality metrics similarly trail the sector, suggesting profitability and capital efficiency have not been standout features in recent reporting periods.
For the most recent quarter's results and guidance, visit Unum Group's investor relations page directly.
UNM Price History
+195.6% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Unum Group?
Based on Unum Group's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
UNM Long-term Outlook
Unum's fundamental outlook is shaped by its Weak Growth pillar, which points to limited near-term expansion in premiums or earnings. The Neutral Risk profile provides some stability, but the Weak Quality and Moat ratings suggest the company lacks the structural advantages needed to accelerate performance. The Attractive Valuation label may reflect market skepticism about the growth trajectory rather than a clear opportunity.
Growth drivers
- Employer-sponsored benefits demand as workforce insurance adoption grows
- International segment expansion in the UK and Poland
- Supplemental and voluntary product cross-selling within existing employer relationships
Key risks
- Weak moat leaves Unum exposed to pricing pressure from larger, better-capitalized insurers
- Low growth trajectory may limit dividend growth and capital appreciation
- Interest rate sensitivity on long-duration insurance liabilities in the Closed Block segment
UNM vs Peers
Unum Group operates in a competitive group and supplemental insurance market alongside several established peers.
Globe Life focuses on direct-to-consumer life and health insurance distribution, contrasting with Unum's employer-centric sales model.
Power Financial is a Canadian financial holding company with diversified insurance and wealth management subsidiaries across North America and Europe.
Primerica targets middle-income families through a large independent sales force, emphasizing term life insurance rather than group workplace benefits.
Frequently Asked Questions
What does Unum Group do?
Unum Group provides financial protection benefit solutions — including disability, life, accident, and supplemental insurance — sold primarily through employers for the benefit of their employees. It operates in the US, UK, and Poland through four business segments.
Does UNM pay dividends?
Yes, Unum Group pays a regular dividend. As a mature insurance holding company with steady premium-based cash flows, it has maintained a consistent dividend program. Investors should check the company's investor relations page for the current dividend rate and payment schedule.
When does UNM report earnings?
Unum Group reports earnings quarterly, in line with standard US-listed company practice. For the exact schedule and most recent results, refer to the investor relations section of Unum Group's official website.
Is UNM a good stock to buy?
UQS Score rates UNM as Below Average. The Valuation pillar is Attractive and Risk is Neutral, but Quality, Moat, and Growth are all rated Weak. Whether that profile suits your portfolio depends on your investment objectives. The full pillar breakdown is available to Pro members.
Is UNM overvalued?
Based on the UQS Valuation pillar, UNM is rated Attractive — meaning the stock does not appear expensive relative to its fundamentals. However, an attractive price alone does not offset concerns in the Quality, Moat, and Growth pillars. Context matters when interpreting valuation signals.
How does UNM compare to its competitors?
Unum competes with group and supplemental insurers such as Globe Life and Primerica, as well as diversified financial holding companies like Power Financial. Each competitor has a distinct distribution model and product mix. UQS Score comparisons for these peers are available on their individual pages.
What is UNM's market cap bracket?
Unum Group is classified as a large-cap company, reflecting its significant scale within the US financial services and insurance sector.
Who founded Unum Group?
Unum Group's origins date to 1848, making it one of the older insurance organizations in the United States. Detailed founding history, including key figures, is widely available through the company's official history and public records.
Is UNM a long-term quality investment?
As a long-term quality indicator, UNM's Below Average UQS Score — driven by Weak ratings in Quality, Moat, and Growth — suggests limited structural advantages for sustained outperformance. The Neutral Risk and Attractive Valuation pillars provide some balance, but long-term quality investors typically seek stronger moat and growth profiles.
What is the main competitive advantage of Unum Group?
Unum's primary competitive position rests on its established employer relationships and broad product portfolio spanning disability, life, and voluntary benefits. However, the UQS Moat pillar rates this advantage as Weak, suggesting the company's differentiation relative to sector peers is limited.
What sector does UNM belong to?
Unum Group operates in the Financial Services sector, specifically within the insurance industry. It focuses on group and supplemental workplace benefits rather than property-casualty or health insurance.
Is UNM a growth stock or value stock?
Based on UQS pillar labels, UNM leans toward value territory — the Valuation pillar is Attractive while the Growth pillar is Weak. This profile is more consistent with a value-oriented holding than a growth-driven investment.
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Pro Analysis
UNM — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 7, 2026 | 41.3 | 32.4 | 36.0 | 25.8 | 42.1 | 84.7 | 0.0 |
| May 6, 2026 | 41.3 | 32.4 | 36.0 | 25.8 | 42.1 | 84.6 | -0.1 |
| May 3, 2026 | 41.4 | 32.4 | 36.0 | 26.3 | 42.1 | 84.6 | 0.0 |
| May 2, 2026 | 41.4 | 32.4 | 36.0 | 26.3 | 42.1 | 84.8 | 0.0 |
| Apr 29, 2026 | 41.4 | 32.4 | 36.0 | 26.6 | 42.1 | 84.8 | -0.1 |
| Apr 26, 2026 | 41.5 | 32.4 | 36.0 | 26.9 | 42.1 | 84.8 | 0.0 |
| Apr 18, 2026 | 41.5 | 32.4 | 36.0 | 26.9 | 42.1 | 84.6 | -1.0 |
| Apr 14, 2026 | 42.5 | 32.4 | 36.0 | 26.9 | 42.1 | 91.8 | -0.1 |
| Apr 12, 2026 | 42.6 | 32.4 | 36.0 | 26.9 | 42.1 | 91.9 | 0.0 |
| Apr 5, 2026 | 42.6 | 32.4 | 36.0 | 26.8 | 42.1 | 92.4 | 0.0 |
UNM — Pillar Breakdown
Quality
— 31.8/100 (25%)Unum Group currently shows below-average quality metrics, suggesting challenges with profitability.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 25.8/100 (20%)Unum Group faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 78.9/100 (15%)Unum Group carries minimal financial risk with conservative leverage and strong solvency.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 82.9/100 (15%)Unum Group appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 36/100 (25%)Unum Group possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for UNM.
Score Composition
Financial Data
More Stock Analysis
How is the UNM UQS Score Calculated?
The UQS (Unified Quality Score) for Unum Group is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Unum Group's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Unum Group is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.