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UNM Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

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High
90.900
Open
90.220
VWAP
89.71
Vol
2.09M
Mkt Cap
14.25B
Low
89.040
Amount
187.66M
EV/EBITDA(TTM)
13.46
Total Shares
159.78M
EV
17.87B
EV/OCF(TTM)
26.48
P/S(TTM)
1.14
Unum Group is a provider of financial protection benefits in the United States and the United Kingdom. The Company offers disability, life, accident, critical illness, dental and vision, and other related services. Its segments include Unum US, Unum International, and Colonial Life. The Unum US segment comprises group disability, group life and accidental death and dismemberment, and supplemental and voluntary lines of business. It includes long-term and short-term disability, medical stop-loss, and fee-based service products. The Unum International segment includes insurance for group long-term disability, group life, and supplemental lines of business which include dental, individual disability, and critical illness products. The Colonial Life segment includes the accident, sickness, and disability product line, life product line, and cancer and critical illness product line. Its products are marketed to employees, on both a group and an individual basis.
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Events Timeline

(ET)
2026-07-06
06:30:00
Fortitude Re Signs $3.8B Reinsurance Deal
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2026-07-06
06:30:00
Unum Group Enters $3.8B LTC Insurance Agreement with Fortitude Re
select
2026-07-01 (ET)
2026-07-01
16:30:00
Unum Group Promotes Andrew Walker to Chief Customer Operations Officer
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2026-05-21 (ET)
2026-05-21
09:20:00
Unum Group Board Approves Approximately 10% Increase in Quarterly Dividend
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News

Newsfilter
8.5
07-06Newsfilter
PinnedUnum Group Reinsures $3.8 Billion in Long-Term Care Reserves
  • Reinsurance Transaction Size: Unum Group has entered into an agreement with Fortitude Reinsurance Company to reinsure $3.8 billion in long-term care reserves, covering 26% of total reserves and 52% of individual reserves, marking a significant step in reducing the risk profile of its long-term care business.
  • Impact on Reserves: Combined with the previously announced 2025 reinsurance transaction, Unum's total long-term care statutory reserves are expected to decrease by approximately 40%, with remaining reserves projected to be around $11 billion, further optimizing the company's capital structure and risk management.
  • Strategic Execution Focus: CEO Richard P. McKenney stated that this transaction is a crucial part of the company's Closed Block strategy aimed at reducing reliance on legacy long-term care business while maintaining focus on its employee benefits franchise, enhancing long-term shareholder value.
  • Capital Management Outlook: The transaction is expected to be funded through Fairwind's excess capital and financing related to future tax benefits, with Unum anticipating holding company liquidity of $1.5 billion to $2.0 billion by year-end 2026, ensuring robust capital management moving forward.
seekingalpha
8.5
07-06seekingalpha
Unum Group Enters Agreement to Cede $3.8B LTC Policies to Fortitude Re
  • Reinsurance Transaction Size: Unum Group's subsidiary, Unum Life Insurance Company, has entered into an agreement to cede $3.8 billion of long-term care (LTC) insurance policies to Fortitude Reinsurance, covering approximately 50,000 individual policies, with the transaction expected to close in 2026, indicating a proactive approach to optimizing the balance sheet.
  • Retention of Management Rights: Despite the reinsurance, Unum will retain management of the reinsured business, including claims handling and rate adjustments, which not only ensures continuity of customer service but may also reduce future operational risks through effective management.
  • Capital Adequacy Expectations: Following the transaction, Unum's remaining LTC statutory reserves are expected to be around $11 billion, with approximately 70% of the remaining reserves backing group LTC policies, reflecting the company's confidence in maintaining a robust capital position, with projected liquidity of $1.5 billion to $2 billion by year-end 2026.
  • Strategic Restructuring Impact: This transaction complements the previously announced LTC reinsurance deal in 2025, collectively reducing over $7 billion in LTC statutory reserves through reinsurance, showcasing Unum's strategic decision-making in addressing market challenges and optimizing its business structure.
Newsfilter
8.5
07-06Newsfilter
Fortitude Re Signs $3.8 Billion Reinsurance Deal with Unum
  • Reinsurance Transaction Size: Fortitude Re's $3.8 billion reinsurance deal with Unum Life Insurance Company involves a long-term care insurance block from Fairwind Insurance Company, showcasing the company's robust strength and trust in the reinsurance market.
  • Regulatory Approval and Conditions: The transaction requires regulatory approvals and satisfaction of customary closing conditions, indicating Fortitude Re's rigorous approach to compliance and risk management, which further solidifies its market position.
  • Risk Management Strategy: Following the transaction, FRL will retrocede 100% of the long-term care insurance risks to a highly rated global reinsurance partner, thereby retaining only the underlying spread-based risks associated with this block, optimizing risk-adjusted investment returns.
  • Client-Centric Solutions: Fortitude Re emphasizes its client-centric approach by providing highly customized solutions to meet client needs, further strengthening its partnership with Unum and demonstrating its competitive advantage in the industry.
NASDAQ.COM
8.0
06-08NASDAQ.COM
Costco and Unum Group Options Trading Activity Surges
  • Costco Options Volume: As of now, Costco (COST) options volume has reached 31,539 contracts, equivalent to approximately 3.2 million shares, which is 125.1% of its average daily trading volume of 2.5 million shares over the past month, indicating strong market interest in its future performance.
  • High Put Option Activity: Notably, the $770 strike put option expiring on June 12, 2026, has seen 1,357 contracts traded, representing about 135,700 shares, reflecting investor expectations of potential declines, which could impact stock price volatility.
  • Unum Group Options Volume: Similarly, Unum Group (UNM) options trading has been active, with 13,215 contracts traded, representing approximately 1.3 million shares, exceeding its average daily trading volume of 1.1 million shares by 121.9%, showcasing market interest in its potential performance.
  • High Call Option Activity: Particularly, the $105 strike call option expiring on December 18, 2026, has recorded 12,851 contracts traded, representing around 1.3 million shares, indicating investor confidence in Unum Group's future price increases, which may drive its stock price higher.
Newsfilter
5.0
05-28Newsfilter
Unum Group Elects Kristi Matus to Board of Directors
  • New Board Member: Unum Group elected Kristi Matus to its board during the 2026 annual shareholder meeting, enhancing board diversity and expertise to improve governance and strategic decision-making capabilities.
  • Committee Appointments: Matus was appointed to the audit committee and the risk and finance committee, leveraging her extensive experience in financial services and healthcare to strengthen the company's risk management and financial transparency.
  • Extensive Leadership Experience: With over 30 years of leadership and board experience, including senior roles at USAA, Aetna, and athenahealth, Matus is positioned to provide strategic guidance for Unum's long-term value creation.
  • Company Background and Performance: Unum Group, a leading international provider of workplace benefits and services, reported revenues of $13.1 billion and paid $8.3 billion in benefits in 2025, demonstrating strong market position and ethical reputation.
Newsfilter
5.0
04-30Newsfilter
Unum Group Appoints New President for Colonial Life
  • Leadership Transition: Unum Group has announced that Steve Jones will succeed Tim Arnold as president of Colonial Life effective June 8, marking a significant leadership change after Arnold's 41-year tenure with the company, which includes 11 years as president.
  • Strategic Importance: With over 20 years of leadership experience in the insurance industry, including roles as president of Cigna Supplemental Benefits and COO at Aetna, Jones is expected to enhance Colonial Life's business performance and long-term strategy, further solidifying the company's market position.
  • Customer Focus: Jones has emphasized his commitment to continuing to serve employers, brokers, and employees who rely on their products, indicating the company's ongoing dedication to a customer-centric strategy.
  • Financial Performance: In 2025, Colonial Life paid over $730 million in benefits, supporting 95,000 businesses and 4 million workers, highlighting its significance and impact in the market.
Wall Street analysts forecast UNM stock price to rise
9 Analyst Rating
Wall Street analysts forecast UNM stock price to rise
6 Buy
3 Hold
0 Sell
Moderate Buy
Current: 0.000
sliders
Low
85.00
Averages
94.00
High
115.00
Current: 0.000
sliders
Low
85.00
Averages
94.00
High
115.00
Evercore ISI
NULL
to
Outperform
maintain
$103 -> $106
AI Analysis
2026-07-07
New
Reason
Evercore ISI
Price Target
$103 -> $106
AI Analysis
2026-07-07
New
maintain
NULL
to
Outperform
Reason
Evercore ISI raised the firm's price target on Unum Group to $106 from $103 and keeps an Outperform rating on the shares.
Wolfe Research
Tracy Benguigui
Outperform
to
Outperform
downgrade
$102 -> $100
2026-07-06
New
Reason
Wolfe Research
Tracy Benguigui
Price Target
$102 -> $100
2026-07-06
New
downgrade
Outperform
to
Outperform
Reason
Wolfe Research analyst Tracy Benguigui lowered the firm's price target on Unum Group to $100 from $102 and keeps an Outperform rating on the shares. The firm says Unum's new $3.8B LTC reserve cession to Fortitude Re proves its LTC block is transactable, confirming its thesis that the last deal was a clearing event. Unum shares are underperforming today as the market may be considering less future LTC reserve deal catalysts given notable progress to date, Wolfe notes. While there are ILTC reserve deal precedents, the firm has not seen one on the GLTC side probably given the less risky nature making it a lower priority. The market may be missing another catalyst, Wolfe argues, as post deal, this primes Unum to be a better takeout candidate.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for UNM
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Valuation Metrics

The current forward P/E ratio for Unum Group (UNM.N) is 8.22, compared to its 5-year average forward P/E of 6.76. For a more detailed relative valuation and DCF analysis to assess Unum Group's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
6.76
Current PE
8.22
Overvalued PE
8.05
Undervalued PE
5.47

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
1.32
Current EV/EBITDA
12.36
Overvalued EV/EBITDA
5.21
Undervalued EV/EBITDA
-2.58

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
0.76
Current PS
1.15
Overvalued PS
0.96
Undervalued PS
0.56

Financials

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Whales Holding UNM

W
Woodline Partners LP
Holding
UNM
+12.61%
3M Return
D
Donald Smith & Co., Inc.
Holding
UNM
+6.75%
3M Return

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Frequently Asked Questions

What is Unum Group (UNM) stock price today?

The current price of UNM is 89.2 USD — it has decreased -0.35

What is Unum Group (UNM)'s business?

Unum Group is a provider of financial protection benefits in the United States and the United Kingdom. The Company offers disability, life, accident, critical illness, dental and vision, and other related services. Its segments include Unum US, Unum International, and Colonial Life. The Unum US segment comprises group disability, group life and accidental death and dismemberment, and supplemental and voluntary lines of business. It includes long-term and short-term disability, medical stop-loss, and fee-based service products. The Unum International segment includes insurance for group long-term disability, group life, and supplemental lines of business which include dental, individual disability, and critical illness products. The Colonial Life segment includes the accident, sickness, and disability product line, life product line, and cancer and critical illness product line. Its products are marketed to employees, on both a group and an individual basis.

What is the price predicton of UNM Stock?

Wall Street analysts forecast UNM stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for UNM is94.00 USD with a low forecast of 85.00 USD and a high forecast of 115.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is Unum Group (UNM)'s revenue for the last quarter?

Unum Group revenue for the last quarter amounts to 3.35B USD, increased 8.53

What is Unum Group (UNM)'s earnings per share (EPS) for the last quarter?

Unum Group. EPS for the last quarter amounts to 1.41 USD, increased 33.02

How many employees does Unum Group (UNM). have?

Unum Group (UNM) has 10684 emplpoyees as of July 08 2026.

What is Unum Group (UNM) market cap?

Today UNM has the market capitalization of 14.25B USD.