Unum Group Net Income
| UNM Stock | USD 71.64 0.82 1.16% |
As of the 16th of February 2026, Unum has the Coefficient Of Variation of (1,160), risk adjusted performance of (0.07), and Variance of 1.34. In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of Unum Group, as well as the relationship between them. Please validate Unum Group risk adjusted performance, variance, as well as the relationship between the Variance and potential upside to decide if Unum is priced more or less accurately, providing market reflects its prevalent price of 71.64 per share. Given that Unum Group has information ratio of (0.15), we advise you to double-check Unum Group's current market performance to make sure the company can sustain itself at a future point.
Unum Total Revenue |
|
Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 1.1693 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 2 B | 2.1 B | |
| Net Income Applicable To Common Shares | 738.5 M | 870.2 M | |
| Net Income From Continuing Ops | 2 B | 1.2 B | |
| Net Income Per Share | 4.28 | 4.49 | |
| Net Income Per E B T | 0.79 | 0.86 |
Unum | Net Income | Build AI portfolio with Unum Stock |
Evaluating Unum's Net Income across multiple reporting periods reveals the company's ability to sustain growth and manage resources effectively. This longitudinal analysis highlights inflection points, cyclical patterns, and structural changes that short-term snapshots might miss, offering deeper insight into Unum Group's fundamental strength.
Latest Unum's Net Income Growth Pattern
Below is the plot of the Net Income of Unum Group over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Unum Group financial statement analysis. It represents the amount of money remaining after all of Unum Group operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Unum's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Unum's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 1.78 B | 10 Years Trend |
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Net Income |
| Timeline |
Unum Net Income Regression Statistics
| Arithmetic Mean | 900,433,277 | |
| Geometric Mean | 826,197,534 | |
| Coefficient Of Variation | 40.59 | |
| Mean Deviation | 255,760,830 | |
| Median | 886,100,000 | |
| Standard Deviation | 365,529,370 | |
| Sample Variance | 133611.7T | |
| Range | 1.5B | |
| R-Value | 0.42 | |
| Mean Square Error | 116859.6T | |
| R-Squared | 0.18 | |
| Significance | 0.09 | |
| Slope | 30,714,279 | |
| Total Sum of Squares | 2137787.5T |
Unum Net Income History
Other Fundumenentals of Unum Group
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Unum Net Income component correlations
Unum Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Unum is extremely important. It helps to project a fair market value of Unum Stock properly, considering its historical fundamentals such as Net Income. Since Unum's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Unum's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Unum's interrelated accounts and indicators.
Click cells to compare fundamentals
Will Life & Health Insurance sector continue expanding? Could Unum diversify its offerings? Factors like these will boost the valuation of Unum. If investors know Unum will grow in the future, the company's valuation will be higher. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Unum data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth (0.46) | Dividend Share 1.8 | Earnings Share 4.27 | Revenue Per Share | Quarterly Revenue Growth 0.002 |
Understanding Unum Group requires distinguishing between market price and book value, where the latter reflects Unum's accounting equity. The concept of intrinsic value - what Unum's is actually worth based on fundamentals - guides informed investors toward better entry and exit points. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Market sentiment, economic cycles, and investor behavior can push Unum's price substantially above or below its fundamental value.
Please note, there is a significant difference between Unum's value and its price as these two are different measures arrived at by different means. Investors typically determine if Unum is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. In contrast, Unum's trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.
Unum 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Unum's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Unum.
| 11/18/2025 |
| 02/16/2026 |
If you would invest 0.00 in Unum on November 18, 2025 and sell it all today you would earn a total of 0.00 from holding Unum Group or generate 0.0% return on investment in Unum over 90 days. Unum is related to or competes with MetLife, Globe Life, Aegon NV, Reinsurance Group, Renaissancere Holdings, Grupo Cibest, and Woori Financial. Unum Group, together with its subsidiaries, provides financial protection benefit solutions primarily in the United Stat... More
Unum Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Unum's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Unum Group upside and downside potential and time the market with a certain degree of confidence.
| Information Ratio | (0.15) | |||
| Maximum Drawdown | 6.86 | |||
| Value At Risk | (1.70) | |||
| Potential Upside | 1.63 |
Unum Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Unum's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Unum's standard deviation. In reality, there are many statistical measures that can use Unum historical prices to predict the future Unum's volatility.| Risk Adjusted Performance | (0.07) | |||
| Jensen Alpha | (0.13) | |||
| Total Risk Alpha | (0.20) | |||
| Treynor Ratio | (0.31) |
Unum February 16, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | (0.07) | |||
| Market Risk Adjusted Performance | (0.30) | |||
| Mean Deviation | 0.854 | |||
| Coefficient Of Variation | (1,160) | |||
| Standard Deviation | 1.16 | |||
| Variance | 1.34 | |||
| Information Ratio | (0.15) | |||
| Jensen Alpha | (0.13) | |||
| Total Risk Alpha | (0.20) | |||
| Treynor Ratio | (0.31) | |||
| Maximum Drawdown | 6.86 | |||
| Value At Risk | (1.70) | |||
| Potential Upside | 1.63 | |||
| Skewness | (0.23) | |||
| Kurtosis | 1.59 |
Unum Group Backtested Returns
Unum Group owns Efficiency Ratio (i.e., Sharpe Ratio) of -0.0819, which indicates the firm had a -0.0819 % return per unit of risk over the last 3 months. Unum Group exposes twenty-three different technical indicators, which can help you to evaluate volatility embedded in its price movement. Please validate Unum's Variance of 1.34, coefficient of variation of (1,160), and Risk Adjusted Performance of (0.07) to confirm the risk estimate we provide. The entity has a beta of 0.36, which indicates possible diversification benefits within a given portfolio. As returns on the market increase, Unum's returns are expected to increase less than the market. However, during the bear market, the loss of holding Unum is expected to be smaller as well. At this point, Unum Group has a negative expected return of -0.0942%. Please make sure to validate Unum's potential upside, rate of daily change, as well as the relationship between the Rate Of Daily Change and period momentum indicator , to decide if Unum Group performance from the past will be repeated at some point in the near future.
Auto-correlation | -0.38 |
Poor reverse predictability
Unum Group has poor reverse predictability. Overlapping area represents the amount of predictability between Unum time series from 18th of November 2025 to 2nd of January 2026 and 2nd of January 2026 to 16th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Unum Group price movement. The serial correlation of -0.38 indicates that just about 38.0% of current Unum price fluctuation can be explain by its past prices.
| Correlation Coefficient | -0.38 | |
| Spearman Rank Test | -0.5 | |
| Residual Average | 0.0 | |
| Price Variance | 6.54 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Unum Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Unum Group reported net income of 1.78 B. This is 39.27% higher than that of the Insurance sector and significantly higher than that of the Financials industry. The net income for all United States stocks is significantly lower than that of the firm.
Unum Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Unum's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Unum could also be used in its relative valuation, which is a method of valuing Unum by comparing valuation metrics of similar companies.Unum is currently under evaluation in net income category among its peers.
Unum ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Unum's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Unum's managers, analysts, and investors.Environmental | Governance | Social |
Unum Institutional Holders
Institutional Holdings refers to the ownership stake in Unum that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Unum's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Unum's value.| Shares | Victory Capital Management Inc. | 2025-06-30 | 2.2 M | Amvescap Plc. | 2025-06-30 | 2.2 M | Bank Of New York Mellon Corp | 2025-06-30 | 1.8 M | Northern Trust Corp | 2025-06-30 | 1.8 M | Donald Smith & Co Inc | 2025-06-30 | 1.8 M | Aqr Capital Management Llc | 2025-06-30 | 1.7 M | Allianz Asset Management Ag | 2025-06-30 | 1.5 M | Goldman Sachs Group Inc | 2025-06-30 | 1.5 M | Royal Bank Of Canada | 2025-06-30 | 1.5 M | Vanguard Group Inc | 2025-06-30 | 19.1 M | Blackrock Inc | 2025-06-30 | 18.3 M |
Unum Fundamentals
| Return On Equity | 0.0669 | ||||
| Return On Asset | 0.0114 | ||||
| Profit Margin | 0.06 % | ||||
| Operating Margin | 0.08 % | ||||
| Current Valuation | 15.29 B | ||||
| Shares Outstanding | 165.7 M | ||||
| Shares Owned By Insiders | 0.90 % | ||||
| Shares Owned By Institutions | 88.29 % | ||||
| Number Of Shares Shorted | 2.94 M | ||||
| Price To Earning | 7.08 X | ||||
| Price To Book | 1.09 X | ||||
| Price To Sales | 0.92 X | ||||
| Revenue | 12.76 B | ||||
| Gross Profit | 3.82 B | ||||
| EBITDA | 823.9 M | ||||
| Net Income | 1.78 B | ||||
| Cash And Equivalents | 162.8 M | ||||
| Cash Per Share | 6.67 X | ||||
| Total Debt | 3.86 B | ||||
| Debt To Equity | 0.40 % | ||||
| Current Ratio | 20.25 X | ||||
| Book Value Per Share | 67.10 X | ||||
| Cash Flow From Operations | 1.51 B | ||||
| Short Ratio | 2.44 X | ||||
| Earnings Per Share | 4.27 X | ||||
| Price To Earnings To Growth | 2.50 X | ||||
| Target Price | 94.23 | ||||
| Number Of Employees | 10.83 K | ||||
| Beta | 0.18 | ||||
| Market Capitalization | 11.99 B | ||||
| Total Asset | 62.35 B | ||||
| Retained Earnings | 12.91 B | ||||
| Annual Yield | 0.03 % | ||||
| Five Year Return | 3.90 % | ||||
| Net Asset | 62.35 B | ||||
| Last Dividend Paid | 1.8 |
About Unum Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Unum Group's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Unum using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Unum Group based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Will Life & Health Insurance sector continue expanding? Could Unum diversify its offerings? Factors like these will boost the valuation of Unum. If investors know Unum will grow in the future, the company's valuation will be higher. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Unum data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth (0.46) | Dividend Share 1.8 | Earnings Share 4.27 | Revenue Per Share | Quarterly Revenue Growth 0.002 |
Understanding Unum Group requires distinguishing between market price and book value, where the latter reflects Unum's accounting equity. The concept of intrinsic value - what Unum's is actually worth based on fundamentals - guides informed investors toward better entry and exit points. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Market sentiment, economic cycles, and investor behavior can push Unum's price substantially above or below its fundamental value.
Please note, there is a significant difference between Unum's value and its price as these two are different measures arrived at by different means. Investors typically determine if Unum is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. In contrast, Unum's trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.