Stocktoria
Unum Group UNM
Unum Group (UNM) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 2.11% (safety: moderate). FY2025 revenue was $13.1B at a 5.6% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-08-03 | JP Morgan | Neutral (main) |
| 2026-07-30 | Keefe, Bruyette & Woods | Outperform (main) |
| 2026-07-21 | JP Morgan | Neutral (main) |
| 2026-07-13 | Evercore ISI Group | Outperform (main) |
| 2026-07-10 | Jefferies | Buy (main) |
| 2026-07-09 | Wells Fargo | Overweight (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Forward estimates · earnings calendar →
Consensus analyst estimates and scheduled dates — forward-looking, may change.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| UNM | Unum Group | 4/9 | — | 19.7 | +1.5% |
| PFG | PRINCIPAL FINANCIAL GROUP INC | 5/9 | — | 19.6 | -3.1% |
| PREJF | PARTNERRE LTD | 6/9 | — | — | +59.3% |
| AFL | AFLAC INC | 3/9 | — | 16.8 | -9.3% |
| CNO | CNO Financial Group, Inc. | 4/9 | — | 21.4 | +0.9% |
| MUFG | MITSUBISHI UFJ FINANCIAL GROUP INC | 4/9 | — | — | +9.5% |
| MFG | MIZUHO FINANCIAL GROUP INC | 4/9 | — | — | +7.6% |
All Finance, Insurance & Real Estate companies →
About Unum Group
Unum Group, together with its subsidiaries, provides financial protection benefit solutions in the United States, the United Kingdom, and Poland. It operates through Unum US, Unum International, Colonial Life, and Closed Block segments. The company offers group long-term and short-term disability, group life, and accidental death and dismemberment products; supplemental and voluntary products, such as voluntary benefits, individual disability, and dental and vision products; and accident, sickness, disability, life, and cancer and critical illness products. It also provides group pensions, individual life and corporate-owned life insurance, reinsurance pools and management operations, and other miscellaneous products. The company sells its products to employers for the benefit of employees. It sells its products through field sales personnel, independent brokers, consultants, and independent contractor agent sales force and brokers. Unum Group was formerly known as UnumProvident Corporation and changed its name to Unum Group in March 2007. The company was founded in 1848 and is based in Chattanooga, Tennessee.
FAQ
Is UNM financially healthy?
Unum Group's Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does UNM pay a dividend, and is it safe?
Yes. Unum Group pays a dividend yielding about 2.11% with a 41.5% payout ratio, rated “moderate” for safety.
How profitable is UNM?
In FY2025, Unum Group had a net margin of 5.6% and a return on equity of 6.6%.
Is UNM overvalued or undervalued?
Unum Group trades at about 21.5× trailing earnings — above its 10-year norm (10-year range 5.1×–17.8×, median 8.1×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for UNM?
The average Wall-Street price target for Unum Group is $101.46, about 10.5% above the recent price, from 13 analysts (consensus: buy).
Is UNM a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Unum Group: a Piotroski F-score of 4/9, a P/E of about 19.7×, a dividend yield of 2.11%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.