UN
Unum Group
UNM—
Unum Group AI Insights
Informational only. Not investment advice.Snapshot
- EPS TTM of $5.17 collapsed 93% YoY despite stable revenue - signals one-time charges or reserve adjustments distorting earnings[EPS Growth 1Y]
- Operating cash flow negative (-371.8M TTM) while FCF positive (689.1M) - unusual divergence suggests timing/classification issues[Cash Flow from Continuing Operating Activities]
- Trading at 1.19x book with 0.34 debt/equity - balance sheet discount vs P/E of 14.2x near industry median of 13.8x[P/B Ratio]
Watch Triggers
- Cash Flow from Continuing Operating Activities: Returns positive (>0) — Validates FCF quality and removes key bear case concern
- EPS Growth 1Y: Turns positive next quarter — Confirms 93% decline was non-recurring, unlocks re-rating
- Debt to Equity: Rises above 0.50 — Would signal balance sheet stress funding operations/dividends
Bull Case
Capital return machine: 250.9M buybacks + 78.4M dividends (329.3M total) on 12.5B market cap = 2.6% yield with 0.34 D/E
Common Stock PaymentsDividend Paid Per Share TTMDebt to Equity
P/B of 1.19x with tangible book of 10.6B provides downside floor; goodwill only 3.2% of equity vs typical insurers
P/B RatioTangible Book ValueGoodwill
Bear Case
Negative operating cash flow (-371.8M) contradicts reported FCF - cash quality questionable, may mask deterioration
Cash Flow from Continuing Operating ActivitiesFree Cash Flow TTM
5Y EPS CAGR of -27% with 3Y at -55% shows structural earnings decline, not cyclical - dividend sustainability at risk
EPS Growth 5YEPS Growth 3YDividends Paid Per Share TTM
Bull vs Bear Balance
AI-generated sentiment analysis based on fundamental metrics and market conditions.
40%
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Forward Thesis
EPS normalization to pre-decline levels would drive 50%+ upside from current P/E
1-3ylow
- 93% EPS decline appears non-recurring
- Revenue stable at 2.4% 5Y CAGR
- Net margin 7% vs 10.9% median suggests recovery room
EPS $5.17 TTM vs 5Y growth -27%Revenue 13B stable baseP/E 14.2x assumes depressed earnings
Valuation Context
Caveats
Public Strategies Rankings
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UNM Fundamentals
Finance and Insurance → Insurance Carriers and Related Activities
| Metric | Value | YoY Growth | Industry Percentile |
|---|---|---|---|
$12.98B | — | ||
$16.4B | — | ||
15 | — | ||
$12.98B | +2.1% | — | |
$5.17 | -43.9% | — | |
0% | — | ||
7.03% | -6.8% | — | |
$689.1M | -44.0% | — | |
0.08 | -8.8% | — | |
Beta 5Y (Monthly) | unknown | — |
UNM Dividend History
104 dividends
2026
$0.460001/30/26$0.4600
2025
$1.760010/24/25$0.4600
07/25/25$0.4600
04/25/25$0.4200
01/24/25$0.4200
2024
$1.570010/25/24$0.4200
07/26/24$0.4200
04/25/24$0.3650
01/25/24$0.3650
2023
$1.390010/26/23$0.3650
07/27/23$0.3650
04/27/23$0.3300
01/26/23$0.3300
2022
$1.260010/27/22$0.3300
07/28/22$0.3300
04/28/22$0.3000
01/27/22$0.3000
2021
$1.170010/28/21$0.3000
07/29/21$0.3000
04/29/21$0.2850
01/28/21$0.2850
2020
$0.855010/29/20$0.2850
07/30/20$0.2850
04/24/20$0.2850
2019
$1.090010/25/19$0.2850
07/26/19$0.2850
04/26/19$0.2600
01/25/19$0.2600
2018
$0.980010/26/18$0.2600
07/27/18$0.2600
04/27/18$0.2300
01/26/18$0.2300
2017
$0.860010/27/17$0.2300
07/27/17$0.2300
04/26/17$0.2000
01/26/17$0.2000
2016
$0.770010/27/16$0.2000
07/27/16$0.2000
04/27/16$0.1850
01/27/16$0.1850
2015
$0.700010/28/15$0.1850
07/29/15$0.1850
04/23/15$0.1650
01/28/15$0.1650
2014
$0.620010/29/14$0.1650
07/24/14$0.1650
04/24/14$0.1450
01/29/14$0.1450
2013
$0.550010/24/13$0.1450
07/25/13$0.1450
04/25/13$0.1300
01/24/13$0.1300
2012
$0.470010/25/12$0.1300
07/26/12$0.1300
04/26/12$0.1050
01/26/12$0.1050
2011
$0.395010/27/11$0.1050
07/27/11$0.1050
04/20/11$0.0925
01/27/11$0.0925
2010
$0.350010/21/10$0.0925
07/28/10$0.0925
04/22/10$0.0825
01/21/10$0.0825
2009
$0.315010/22/09$0.0825
07/29/09$0.0825
04/23/09$0.0750
01/22/09$0.0750
2008
$0.300010/23/08$0.0750
07/24/08$0.0750
04/24/08$0.0750
01/24/08$0.0750
2007
$0.300010/25/07$0.0750
07/26/07$0.0750
04/26/07$0.0750
01/25/07$0.0750
2006
$0.300010/26/06$0.0750
07/27/06$0.0750
04/20/06$0.0750
01/26/06$0.0750
2005
$0.300010/27/05$0.0750
07/21/05$0.0750
04/21/05$0.0750
01/27/05$0.0750
2004
$0.300010/21/04$0.0750
07/22/04$0.0750
04/22/04$0.0750
01/22/04$0.0750
2003
$0.372510/23/03$0.0750
07/24/03$0.0750
05/01/03$0.0750
01/23/03$0.1475
2002
$0.590010/24/02$0.1475
07/25/02$0.1475
04/25/02$0.1475
01/24/02$0.1475
2001
$0.590010/25/01$0.1475
07/26/01$0.1475
04/26/01$0.1475
01/25/01$0.1475
2000
$0.590010/26/00$0.1475
07/27/00$0.1475
04/19/00$0.1475
01/27/00$0.1475
UNM Stock Splits
No stock splits
UNM SEC Filings
| Filing Date | Report Date | Report Type | Filing Link |
|---|---|---|---|
11/04/25 | 09/30/25 | 10-Q | |
07/30/25 | 06/30/25 | 10-Q | |
04/30/25 | 03/31/25 | 10-Q | |
02/27/25 | 12/31/24 | Unknown | |
10/30/24 | 09/30/24 | 10-Q | |
07/31/24 | 06/30/24 | 10-Q | |
05/01/24 | 03/31/24 | 10-Q | |
02/20/24 | 12/31/23 | 10-K | |
11/01/23 | 09/30/23 | 10-Q | |
08/02/23 | 06/30/23 | 10-Q | |
05/03/23 | 03/31/23 | 10-Q | |
02/23/23 | 12/31/22 | 10-K | |
11/02/22 | 09/30/22 | 10-Q | |
08/03/22 | 06/30/22 | 10-Q | |
05/06/22 | 03/31/22 | 10-Q | |
02/25/22 | 12/31/21 | 10-K | |
11/03/21 | 09/30/21 | 10-Q | |
08/04/21 | 06/30/21 | 10-Q | |
05/06/21 | 03/31/21 | 10-Q | |
02/17/21 | 12/31/20 | 10-K | |
10/28/20 | 09/30/20 | 10-Q | |
07/29/20 | 06/30/20 | 10-Q | |
05/05/20 | 03/31/20 | 10-Q | |
02/18/20 | 12/31/19 | 10-K | |
10/30/19 | 09/30/19 | 10-Q | |
07/31/19 | 06/30/19 | 10-Q | |
05/01/19 | 03/31/19 | 10-Q | |
02/19/19 | 12/31/18 | 10-K | |
10/25/18 | 09/30/18 | 10-Q | |
07/31/18 | 06/30/18 | 10-Q | |
05/02/18 | 03/31/18 | 10-Q | |
02/21/18 | 12/31/17 | 10-K | |
10/26/17 | 09/30/17 | 10-Q | |
07/28/17 | 06/30/17 | 10-Q | |
04/27/17 | 03/31/17 | 10-Q | |
02/22/17 | 12/31/16 | 10-K | |
10/27/16 | 09/30/16 | 10-Q | |
07/28/16 | 06/30/16 | 10-Q | |
04/28/16 | 03/31/16 | 10-Q | |
02/24/16 | 12/31/15 | 10-K | |
10/29/15 | 09/30/15 | 10-Q | |
07/30/15 | 06/30/15 | 10-Q | |
04/30/15 | 03/31/15 | 10-Q | |
02/25/15 | 12/31/14 | 10-K | |
10/30/14 | 09/30/14 | 10-Q | |
07/31/14 | 06/30/14 | 10-Q | |
05/08/14 | 03/31/14 | 10-Q | |
02/26/14 | 12/31/13 | 10-K | |
11/05/13 | 09/30/13 | 10-Q | |
08/06/13 | 06/30/13 | 10-Q | |
05/02/13 | 03/31/13 | 10-Q | |
02/22/13 | 12/31/12 | 10-K | |
11/01/12 | 09/30/12 | 10-Q | |
08/02/12 | 06/30/12 | 10-Q | |
05/02/12 | 03/31/12 | 10-Q | |
02/24/12 | 12/31/11 | 10-K | |
11/02/11 | 09/30/11 | 10-Q | |
08/03/11 | 06/30/11 | 10-Q | |
05/04/11 | 03/31/11 | 10-Q | |
02/25/11 | 12/31/10 | 10-K | |
11/02/11 | 09/30/10 | 10-Q | |
08/03/11 | 06/30/10 | 10-Q | |
05/05/10 | 03/31/10 | 10-Q | |
02/26/10 | 12/31/09 | 10-K | |
11/04/09 | 09/30/09 | 10-Q | |
11/03/10 | 09/30/09 | 10-Q | |
08/04/10 | 06/30/09 | 10-Q | |
08/05/09 | 06/30/09 | 10-Q | |
04/30/09 | 03/31/09 | 10-Q | |
02/24/09 | 12/31/08 | 10-K | |
10/31/08 | 09/30/08 | 10-Q | |
08/01/08 | 06/30/08 | 10-Q | |
05/02/08 | 03/31/08 | 10-Q | |
02/25/08 | 12/31/07 | 10-K | |
11/05/07 | 09/30/07 | 10-Q | |
08/07/07 | 06/30/07 | 10-Q | |
05/07/07 | 03/31/07 | 10-Q | |
03/01/07 | 12/31/06 | 10-K | |
11/07/06 | 09/30/06 | 10-Q | |
08/07/06 | 06/30/06 | 10-Q | |
05/08/06 | 03/31/06 | 10-Q | |
03/03/06 | 12/31/05 | 10-K | |
11/07/05 | 09/30/05 | 10-Q | |
08/08/05 | 06/30/05 | 10-Q | |
05/09/05 | 03/31/05 | 10-Q | |
03/14/05 | 12/31/04 | 10-K | |
11/05/04 | 09/30/04 | 10-Q | |
08/05/04 | 06/30/04 | 10-Q | |
05/06/04 | 03/31/04 | 10-Q | |
03/12/04 | 12/31/03 | 10-K | |
11/13/03 | 09/30/03 | 10-Q | |
08/13/03 | 06/30/03 | 10-Q | |
05/14/03 | 03/31/03 | 10-Q | |
03/31/03 | 12/31/02 | 10-K | |
11/13/02 | 09/30/02 | 10-Q | |
08/13/02 | 06/30/02 | 10-Q | |
05/14/02 | 03/31/02 | 10-Q | |
03/28/02 | 12/31/01 | 10-K | |
11/14/01 | 09/30/01 | 10-Q | |
08/10/01 | 06/30/01 | 10-Q | |
05/11/01 | 03/31/01 | 10-Q | |
03/28/01 | 12/31/00 | 10-K | |
11/14/00 | 09/30/00 | 10-Q | |
08/11/00 | 06/30/00 | 10-Q | |
05/15/00 | 03/31/00 | 10-Q |