Unum Group (UNM) Factsheet
Unum Group (UNM) Stock Analysis
Analysis from 10-Q filed 2025-11-04. Data as of Q1 2026.
Overall Grade: F (Concerning)
Grade F (Concerning). ROIC N/A. FCF margin 4.0%. D/E 0.3x. Source: 10-Q filed 2025-11-04.
| Metric | Value | Context |
|---|---|---|
| ROIC | N/A | Below expectations |
| FCF Margin | 4.0% | Cash flow pressure |
| Debt/Equity | 0.3x | Conservative leverage |
FCF margin 4.0% — Bottom 50%.
Explore Unum Group: Earnings History | Filings | ROIC Analysis
Programmatic access: Available via MCP at mcp.metricduck.com. Tools for UNM: get_company_overview, get_filing_index (lens: debt_stress, management_outlook, risk_trajectory), get_filing_changes, get_metric_history, compare_companies, screen_filing_signals.
Profitability: Unum Group earns N/A ROIC
ROIC TTM N/A, sector median 20.8%. Source: 10-Q filed 2025-11-04.
| Metric | UNM | Rating | Context |
|---|---|---|---|
| Return on Invested Capital (ROIC) | N/A | Red flag | Below sector median of 20.8% |
| Return on Equity (ROE) | 7.0% | Warning | Moderate equity returns |
Cash Flow: Unum Group generates $538.8M FCF at 4.0% margin, positive NaN/8 quarters
FCF TTM $538.8M. FCF margin 4.0%, Bottom 50%. OCF/Net income 0.9x. Positive FCF in NaN/8 trailing quarters. Source: 10-Q filed 2025-11-04.
| Metric | UNM | Rating | Context |
|---|---|---|---|
| Free Cash Flow Margin | 4.0% | Warning | Thin cash margins |
| Free Cash Flow (TTM) | $538.8M | Good | Positive cash generation |
| OCF/Net Income | 0.9x | Good | Potential accrual concerns |
| FCF Consistency (8Q) | N/A | Warning | Variable cash flow |
Balance Sheet: Unum Group at 0.3x leverage
Debt/Equity 0.3x. Total debt $3.8B, cash & investments $192.6M. Source: 10-Q filed 2025-11-04.
| Metric | UNM | Rating | Context |
|---|---|---|---|
| Debt to Equity | 0.3x | Good | Conservative capital structure |
| Net Cash Position | $-3.6B | Warning | Net debt position |
Valuation: Unum Group trades at 15.8x earnings
P/E 15.8x. EV/Sales 1.2x. FCF yield 4.4%. Dividend yield 2.5%. Source: 10-Q filed 2025-11-04.
| Metric | UNM | Rating | Context |
|---|---|---|---|
| P/E Ratio | 15.8x | Adequate | Reasonable valuation |
| EV/Sales | 1.2x | Excellent | Attractive revenue multiple |
| FCF Yield | 4.4% | Good | Lower cash yield |
| Dividend Yield | 2.5% | Adequate | Growth focus over income |
Capital Allocation: Unum Group returns 12.3% shareholder yield
Total shareholder yield 12.3% (div 2.5% + buyback 9.8%). Capital returned $1.5B TTM. Source: 10-Q filed 2025-11-04.
| Metric | UNM | Rating | Context |
|---|---|---|---|
| Total Shareholder Yield | 12.3% | Excellent | Dividend + buyback yield combined |
| Buyback Yield | 9.8% | Good | Active share repurchases |
| Total Capital Returned (TTM) | $1.5B | Good | Dividends + buybacks returned to shareholders |
Sector Rankings
| Metric | Value | Percentile | vs Median |
|---|---|---|---|
| Free Cash Flow Margin | 4.0% | Bottom 50% | 0.2x below |
| Return on Equity (ROE) | 7.0% | Bottom 50% | 0.7x below |
| P/E Ratio | 15.8x | N/A | - |
Financial Scorecard
| Metric | UNM | Rating | Sector Context |
|---|---|---|---|
| Free Cash Flow Margin | 4.0% | Warning | Bottom 50% of sector (median: 20.9%) |
| Debt to Equity Ratio | 34.5% | Good | Moderate leverage |
| P/E Ratio (Price-to-Earnings) | 15.8x | Adequate | Fair value |
| Free Cash Flow Yield | 4.4% | Adequate | Moderate yield |
Frequently Asked Questions
Q: What is Unum Group's Return on Invested Capital (ROIC)?
Unum Group (UNM) has a trailing twelve-month Return on Invested Capital (ROIC) of N/A. Sector median 20.8%. Source: 10-Q filed 2025-11-04.
Q: What is Unum Group's Free Cash Flow Margin?
Unum Group (UNM) has a free cash flow margin of 4.0%, generating $538.8 million in free cash flow over the trailing twelve months. Source: 10-Q filed 2025-11-04.
Q: What is Unum Group's P/E ratio and how does it compare to peers?
Unum Group (UNM) trades at a P/E ratio of 15.8x, which is above the sector median of N/A. EV/Sales 1.2x. FCF yield 4.4%. Source: 10-Q filed 2025-11-04.
Q: Does Unum Group pay a dividend?
Unum Group (UNM) currently pays a dividend yield of 2.5%. Total shareholder yield (dividend + buybacks) 12.3%. Source: 10-Q filed 2025-11-04.
Q: What is Unum Group's revenue and earnings growth?
Unum Group (UNM) grew revenue by 4.4% year-over-year. EPS -45.9% YoY. Source: 10-Q filed 2025-11-04.
Q: Is Unum Group buying back stock?
Unum Group (UNM) repurchased $1.2 billion of stock over the trailing twelve months. This represents a buyback yield of 9.8%. Source: 10-Q filed 2025-11-04.
Q: How does Unum Group compare to competitors in Financials?
Compared to other companies in Financials, Unum Group (UNM) shows: ROIC N/A, sector median 20.8% (NaNx). FCF margin 4.0%, sector median 20.9% (Bottom 50%). These rankings are based on MetricDuck's analysis of all Financials companies with available SEC filings.
Q: What warning signs should I watch for with Unum Group?
Quantitative warning flags for Unum Group (UNM): 1) FCF margin 4.0% (below 5%). Source: 10-Q filed 2025-11-04.
Data Source: Data sourced from 10-Q filed 2025-11-04. TTM metrics as of Q1 2026.
Methodology: Financial metrics calculated from SEC 10-K and 10-Q filings using standardized formulas. Sector comparisons use peer group based on SIC code.
Scope: This analysis covers SEC filing fundamentals — profitability, cash flow, balance sheet, and valuation metrics. For analyst estimates and price targets, consult sell-side research.
This analysis is for informational purposes only and does not constitute investment advice.