Stocktoria

Unum Group UNM

NYSE · stock · Accident & Health Insurance · website · IPO 1986-11-06 · LEI

Unum Group statistics & valuation

Market cap$14.5B
P / E19.7×
P / S1.1×
P / B1.3×
P / FCF26.2×
Dividend yield2.11%
Net margin5.6%
Return on equity6.6%
FCF margin4.2%
Net debt$3.8B
Enterprise value USD$18.3B
Graham number -14.4%$78.60

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($78.60); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
8.40% 8.80% 4.50% 9.20% 6.00% 8.20% 11.70% 10.40% 13.80% 5.60% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
10.40% 10.40% 6.10% 11.00% 7.30% 16.30% 16.10% 13.30% 16.20% 6.60% 2016201720182019202020212022202320242025
Shares outstanding
236.0M 227.3M 220.1M 209.9M 203.8M 204.8M 202.1M 197.6M 188.1M 172.9M 2016201720182019202020212022202320242025
Net debt ($)
$3.00B $2.94B $2.97B $3.33B $3.35B $3.44B $3.43B $3.43B $3.74B $3.77B 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
1.50% 1.60% 0.80% 1.60% 1.10% 1.40% 2.30% 2.00% 2.90% 1.20% 2016201720182019202020212022202320242025
Free cash flow margin (%)
9.40% 9.40% 12.00% 12.10% 2.70% 10.60% 11.00% 8.60% 10.80% 4.20% 2016201720182019202020212022202320242025
Debt / equity (×)
0.33× 0.31× 0.34× 0.33× 0.31× 0.57× 0.39× 0.36× 0.34× 0.34× 2016201720182019202020212022202320242025
EPS ($)
$3.95 $4.37 $2.38 $5.24 $3.89 $4.79 $6.96 $6.50 $9.46 $4.27 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Unum Group trades at about 21.5× earnings — above its 10-year norm (10-year range 5.1×–17.8×, median 8.1×).

5.1× 21.5×

Shaded band = 10-year range (5.1×–17.8×); dot = today's 21.5×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin5.6%13.8%10.4%11.7%8.2%6.0%9.2%4.5%8.8%8.4%
FCF margin4.2%10.8%8.6%11.0%10.6%2.7%12.1%12.0%9.4%9.4%
Return on assets1.2%2.9%2.0%2.3%1.4%1.1%1.6%0.8%1.6%1.5%
Return on equity6.6%16.2%13.3%16.1%16.3%7.3%11.0%6.1%10.4%10.4%
Debt / equity0.34×0.34×0.36×0.39×0.57×0.31×0.33×0.34×0.31×0.33×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.