Unum Group Stock Analysis

UNMA Stock  USD 23.57  0.14  0.60%   
Below is the normalized historical share price chart for Unum Group extending back to June 19, 2018. This chart has been adjusted for all splits and dividends and is plotted against all major global economic recessions. As of today, the current price of Unum stands at 23.57, as last reported on the 14th of February 2026, with the highest price reaching 23.57 and the lowest price hitting 23.41 during the day.
IPO Date
19th of June 2018
200 Day MA
23.7966
50 Day MA
23.3807
 
Covid
 
Interest Hikes
Unum Group has over 3.74 Billion in debt which may indicate that it relies heavily on debt financing. At present, Unum's Long Term Debt is projected to increase significantly based on the last few years of reporting. The current year's Short and Long Term Debt is expected to grow to about 220.8 M, whereas Short and Long Term Debt Total is forecasted to decline to about 2.2 B. With a high degree of financial leverage come high-interest payments, which usually reduce Unum's Earnings Per Share (EPS).

Asset vs Debt

Equity vs Debt

Unum's liquidity is one of the most fundamental aspects of both its future profitability and its ability to meet different types of ongoing financial obligations. Unum's cash, liquid assets, total liabilities, and shareholder equity can be utilized to evaluate how much leverage the Company is using to sustain its current operations. For traders, higher-leverage indicators usually imply a higher risk to shareholders. In addition, it helps Unum Stock's retail investors understand whether an upcoming fall or rise in the market will negatively affect Unum's stakeholders.
For many companies, including Unum, marketable securities, inventories, and receivables are the most common assets that could be converted to cash. However, for Unum Group, the most critical issue when managing liquidity is ensuring that current assets are properly aligned with current liabilities. If they are not, Unum's management will need to obtain alternative financing to ensure there are always enough cash equivalents on the balance sheet to meet obligations.
Market Capitalization
5.3 B
Dividend Share
0.95
Given that Unum's debt-to-equity ratio measures a Company's obligations relative to the value of its net assets, it is usually used by traders to estimate the extent to which Unum is acquiring new debt as a mechanism of leveraging its assets. A high debt-to-equity ratio is generally associated with increased risk, implying that it has been aggressive in financing its growth with debt. Another way to look at debt-to-equity ratios is to compare the overall debt load of Unum to its assets or equity, showing how much of the company assets belong to shareholders vs. creditors. If shareholders own more assets, Unum is said to be less leveraged. If creditors hold a majority of Unum's assets, the Company is said to be highly leveraged.
At present, Unum's Common Stock Shares Outstanding is projected to decrease significantly based on the last few years of reporting. The current year's Liabilities And Stockholders Equity is expected to grow to about 24.8 B, whereas Total Stockholder Equity is forecasted to decline to about 6.6 B. . At present, Unum's Price Book Value Ratio is projected to slightly decrease based on the last few years of reporting. The current year's Price To Book Ratio is expected to grow to 1.61, whereas Price To Sales Ratio is forecasted to decline to 0.85.
Unum Group is fairly valued with Real Value of 23.49 and Hype Value of 23.57. The main objective of Unum stock analysis is to determine its intrinsic value, which is an estimate of what Unum Group is worth, separate from its market price. There are two main types of Unum's stock analysis: fundamental analysis and technical analysis.
The Unum stock is traded in the USA on New York Stock Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and Unum's ongoing operational relationships across important fundamental and technical indicators.
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Unum Group. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in state.

Unum Stock Analysis Notes

The company last dividend was issued on the 16th of March 2026. Unum Group, together with its subsidiaries, provides financial protection benefit solutions in the United States, the United Kingdom, and internationally. The company was founded in 1848 and is based in Chattanooga, Tennessee. Unum Group is traded on BATS Exchange in USA. For more information please call Mark Till at 423-294-1011 or visit http://www.unum.com.

Unum Group Investment Alerts

Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. Unum's investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding Unum Group or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.

Unum Environmental, Social, and Governance (ESG) Scores

Unum's ESG score is a quantitative measure that evaluates Unum's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of Unum's operations that may have significant financial implications and affect Unum's stock price as well as guide investors towards more socially responsible investments.

Unum Market Capitalization

The company currently falls under 'Mid-Cap' category with a current market capitalization of 5.33 B.

Unum Profitablity

Last ReportedProjected for Next Year
Return On Tangible Assets 0.03  0.03 
Return On Capital Employed 0.04  0.03 
Return On Assets 0.03  0.03 
Return On Equity 0.19  0.13 

Management Efficiency

At present, Unum's Return On Tangible Assets are projected to increase slightly based on the last few years of reporting. The current year's Return On Assets is expected to grow to 0.03, whereas Return On Capital Employed is forecasted to decline to 0.03. At present, Unum's Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Non Current Assets Total is expected to grow to about 27.7 B, whereas Total Current Assets are forecasted to decline to about 1.2 B. Unum's management efficiency ratios could be used to measure how well Unum manages its routine affairs as well as how well it operates its assets and liabilities.
Last ReportedProjected for Next Year
Book Value Per Share 67.62  45.05 
Tangible Book Value Per Share 65.47  43.75 
Enterprise Value Over EBITDA 7.75  7.36 
Price Book Value Ratio 1.43  1.61 
Enterprise Value Multiple 7.75  7.36 
Price Fair Value 1.43  1.61 
Enterprise Value10.5 B5.6 B
Unum Group has shown resilience through effective management strategies. Our analysis examines how these strategies influence financial outcomes and investor returns which helps in understanding the stock's long-term potential.
Dividend Yield
0.0405
Forward Dividend Yield
0.0639

Technical Drivers

As of the 14th of February 2026, Unum has the Risk Adjusted Performance of 0.0206, semi deviation of 0.3808, and Coefficient Of Variation of 2786.39. 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.

Unum Group Price Movement Analysis

Illegal number of arguments. The output start index for this execution was zero with a total number of output elements of zero. The Weighted Moving Average calculates a weight for each value in Unum price series with the more recent values given greater weights.

Unum Group Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Unum insiders, such as employees or executives, is commonly permitted as long as it does not rely on Unum's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Unum insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.

Unum Outstanding Bonds

Unum issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Unum Group uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Unum bonds can be classified according to their maturity, which is the date when Unum Group has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

Unum Predictive Daily Indicators

Unum intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Unum stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

Unum Corporate Filings

F4
10th of February 2026
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
5th of February 2026
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
18th of December 2025
Other Reports
ViewVerify
F4
11th of December 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
4th of December 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
21st of November 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
18th of November 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
14th of November 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify

Unum Forecast Models

Unum's time-series forecasting models are one of many Unum's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Unum's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

Unum Bond Ratings

Unum Group financial ratings play a critical role in determining how much Unum have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for Unum's borrowing costs.
Piotroski F Score
6
HealthyView
Beneish M Score
(2.11)
Possible ManipulatorView

Unum Group Debt to Cash Allocation

As Unum Group follows its natural business cycle, the capital allocation decisions will not magically go away. Unum's decision-makers have to determine if most of the cash flows will be poured back into or reinvested in the business, reserved for other projects beyond operational needs, or paid back to stakeholders and investors.
Unum Group currently holds 3.74 B in liabilities with Debt to Equity (D/E) ratio of 33.9, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Unum Group has a current ratio of 8.31, suggesting that it is liquid enough and is able to pay its financial obligations when due. Note, when we think about Unum's use of debt, we should always consider it together with its cash and equity.

Unum Total Assets Over Time

Unum Assets Financed by Debt

The debt-to-assets ratio shows the degree to which Unum uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.

Unum Debt Ratio

    
  3.53   
It appears most of the Unum's assets are financed through equity. Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the Unum's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of Unum, which in turn will lower the firm's financial flexibility.

Unum Corporate Bonds Issued

Most Unum bonds can be classified according to their maturity, which is the date when Unum Group has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

Unum Short Long Term Debt Total

Short Long Term Debt Total

2.22 Billion

At present, Unum's Short and Long Term Debt Total is projected to increase significantly based on the last few years of reporting.

About Unum Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how Unum prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Unum shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Unum. By using and applying Unum Stock analysis, traders can create a robust methodology for identifying Unum entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.07  0.07 
Operating Profit Margin 0.06  0.06 
Net Profit Margin 0.06  0.05 
Gross Profit Margin 0.43  0.39 

Be your own money manager

As an investor, your ultimate goal is to build wealth. Optimizing your investment portfolio is an essential element in this goal. Using our stock analysis tools, you can find out how much better you can do when adding Unum to your portfolios without increasing risk or reducing expected return.

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