Fundamental analysis · SEC EDGAR · TTM through 30/06/2026
UNM · NYSE · Financial
Fundamental quality
48
out of 100
Unum Group earns a fundamental-quality score of 48 out of 100, profiling it as a company with demanding fundamentals. Its score rests mainly on its financial strength (FCF margin 5.2%). Its weakest area is its growth (revenue +0.3%/yr). Whether it's cheap or expensive depends on the current price, which you can compute in the tool.
Unum is the disability-insurance leader of the United States and Britain: employer-purchased policies paying a worker's salary when illness or accident prevents them from working. A stable actuarial niche with a historic shadow: its legacy long-term-care book.
EPS growth: 1.9% · Revenue growth: 0.3%
Net margin: 5.3% · ROE: 6.5%
FCF: 5.2%
Source: SEC EDGAR · TTM through 30/06/2026
The score includes +2 for dividend strength: 8 consecutive years of increases. Keeping that streak demands growing cash generation and balance-sheet discipline.
The score combines growth, profitability and financial strength. Here its financial strength weighs in its favor, while its growth drags it down the most.
Percentile against the other 71 Financial companies in our coverage: how far it beats them on each metric (100 = best in sector).
Computed from the daily dataset scores. A high percentile places the company among the best in its sector on that metric; it is not a buy recommendation.
Key concepts
What do these metrics mean? Fundamental analysis · What is the P/E · What is EPS · What is ROE · Net & gross margin · Free cash flow
| Year | Revenue | Net income | Free cash flow | Net debt |
|---|---|---|---|---|
| 2020 | 13,162 | 793 | 350 | 3,149 |
| 2021 | 12,008 | 981 | 1,277 | 3,367 |
| 2022 | 11,984 | 1,407 | 1,317 | 3,311 |
| 2023 | 12,386 | 1,284 | 1,068 | 3,284 |
| 2024 | 12,887 | 1,779 | 1,388 | 3,577 |
| 2025 | 13,076 | 739 | 555 | 3,609 |
Between 2020 and 2025, revenue went from $13,162M to $13,076M (-1%) and net income went from $793M to $739M (-7%).
Annual figures in millions of U.S. dollars ($M) per SEC filings. Net debt is total debt minus cash.
Latest results
Figures for the half-year ended June 30, 2026, versus the half-year ended June 30, 2025 (SEC filings):
Compared with the previous close (March 31, 2026), this is what moved in its accounts:
Automatic comparison between the two most recent periods filed with the SEC. One quarter doesn't make a trend: read it alongside the historical evolution above.
$1.76
per share, yearly
41.5% of earnings
Payout
at least 8 straight years raising it
Growth
That is what we can verify in the SEC filings, whose structured data only starts in 2008 and which many companies begin tagging later. The real streak may be considerably longer.
The dividend yield depends on today's price. Compute it in the analyzer → · See all dividend-paying stocks →
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Is Unum Group cheap or expensive?
That depends on the current price. Look it up, enter it in the tool and get the full valuation verdict (P/E against its sector).
Compute the valuation →Is Unum Group a good company to invest in?
In terms of business quality, Unum Group scores 48 out of 100 in our analysis, placing it as a company with demanding fundamentals. That said, this isn't a recommendation: whether it's a good investment also depends on its current price and your goals.
Is Unum Group a profitable company?
Unum Group is profitable, with a net margin of 5.3%, though a thin one.
Is Unum Group growing?
Its revenue has grown 0.3% annualized in recent years and its earnings per share 1.9%.
Does Unum Group generate cash?
Yes. It converts about 5.2% of its revenue into free cash flow, and has done so positively year after year.
The thresholds are general and the system doesn't judge qualitative factors. See the full methodology and use this analysis as a first filter, never as a final decision.
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Who's behind the methodology and model · how the score is computed
Data: see Unum Group's filings on EDGAR
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