Unum Group (UNM) Stock Price & Analysis
Unum Group (UNM) closed at USD 93.75 on Thursday, October 22, 2026, up 0.04% on the day. The US market is currently closed (pre-market); this is not a live price.
The prior close was USD 93.71; the Oct 22, 2026 session ranged USD 92.14–93.92 on volume of 1,485,363 shares. Market capitalization is $14.84B, with a 52-week range of USD 69.02–96.77 (NYQ). Source: Nexqual, retrieved October 23, 2026 at 09:26 UTC.
Also available as compact Markdown for AI agents: nexqual.com/UNM.md
Key facts (UNM)
- Last four reported quarters (through Jun 30, 2026): revenue $13.3B, net income $703M (5.3% margin), free cash flow $693M (SEC filings).
- Valuation: P/E 21.1x (avg 10.9x at the last 3 fiscal year-ends), net debt $3.56B.
- 1 of 80 tracked superinvestors hold UNM (13F, Q2 2026): 0 new, 0 added, 1 reduced, 0 unchanged.
- Insider open-market sales, last ~7 months: 4 Form 4 filings, $2.0M; 4 not under a Rule 10b5-1 plan ($2.0M); 1 by opportunistic insiders (1 outside 10b5-1 plans), 1 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Analysts: Buy (mean 2.15 on a 1–5 scale) (13 analysts), mean target USD 102.15 (range 92–122).
- Total return with dividends: 1Y +25.7% vs S&P 500 +14.9%; 5Y +291.3% vs S&P 500 +80.3%.
- Next earnings: 2026-11-03, EPS estimate USD 2.17, revenue estimate $2.96B.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (UNM)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $12.0B | $12.0B | $12.4B | $12.9B | $13.1B | $13.3B |
| Net income | $981M | $1.41B | $1.28B | $1.78B | $739M | $703M |
| EPS (diluted) | $4.79 | $6.96 | $6.50 | $9.46 | $4.27 | — |
| Free cash flow | $1.28B | $1.32B | $1.07B | $1.39B | $555M | $693M |
| Net margin | 8.2% | 11.7% | 10.4% | 13.8% | 5.6% | 5.3% |
| Revenue growth | -8.8% | -0.2% | +3.4% | +4.0% | +1.5% | — |
| Cash + short-term investments | $75.0M | $119M | $146M | $163M | $158M | — |
| Total debt | $3.44B | $3.43B | $3.43B | $3.74B | $3.77B | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (UNM)
P/E 21.1x · P/S 1.1x · EV/Sales 1.4x · P/FCF 21.4x · P/B 1.4x · FCF yield 4.67% · Earnings yield 4.73% · Dividend yield (paid, TTM) 2.07% · Buyback yield (TTM) 7.53% · Net debt $3.56B · EV $18.4B
P/E at fiscal year-ends: Dec 2025 18.1x, Dec 2024 7.7x, Dec 2023 7.0x.
Superinvestors (SEC 13F-HR, Q2 2026) (UNM)
1 of 80 tracked investors hold UNM. Each row is the investor's latest 13F; change is vs their prior-quarter share count.
| Investor | Firm | % of portfolio | Value | Change |
|---|---|---|---|---|
| Thomas Russo | Gardner Russo & Quinn | <0.01% | $312K | Reduced -8.3% |
Insider sales (SEC Form 4, open-market, last ~7 months) (UNM)
0 of 4 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-09-10 | Rice Walter Lynn Jr | SVP, Chief Accounting Officer | 2,188 | $206K | 21.7% | No | Opportunistic (traded every year 2023–2025, no repeating month) |
| 2026-09-10 | Keaney Timothy F | Director | 4,300 | $404K | 10.5% | No | Too little history (no open-market trades in 2023 or 2025) |
| 2026-09-09 | Iglesias Lisa G | EVP, General Counsel | 4,000 | $378K | 13.6% | No | Routine (sold in Mar each year 2023–2025; this trade is outside those months) |
| 2026-04-30 | Ahmed Elizabeth Claire | EVP, People & Communications | 12,000 | $962K | 22% | No | Too little history (no open-market trades in 2023) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.
Analysts (UNM)
Consensus Buy (mean 2.15 on a 1–5 scale), 13 analysts; mean target USD 102.15 (low 92, high 122).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-12 | Wells Fargo | Target raised | Overweight | $100 → $102 |
| 2026-10-07 | Barclays | Target lowered | Overweight | $110 → $109 |
| 2026-08-24 | Morgan Stanley | Target raised | Equal-Weight | $87 → $92 |
| 2026-08-03 | JP Morgan | Target lowered | Neutral | $101 → $98 |
| 2026-07-30 | Keefe, Bruyette & Woods | Target lowered | Outperform | $110 → $108 |
| 2026-07-21 | JP Morgan | Target raised | Neutral | $90 → $101 |
| 2026-07-13 | Evercore ISI Group | Target raised | Outperform | $106 → $111 |
| 2026-07-10 | Jefferies | Target raised | Buy | $117 → $123 |
| 2026-07-09 | Wells Fargo | Target raised | Overweight | $100 → $101 |
| 2026-07-07 | Evercore ISI Group | Target raised | Outperform | $103 → $106 |
| 2026-07-06 | Wolfe Research | Target lowered | Outperform | $102 → $100 |
| 2026-07-06 | Barclays | Target raised | Overweight | $105 → $110 |
Total return (dividends reinvested) (UNM)
| 1Y (from 2025-10-23) | 5Y (from 2021-10-18) | |
|---|---|---|
| Total return | +25.7% | +291.3% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | +25.8% | +31.3% |
| Volatility (annualized) | 23.4% | 28.2% |
| Max drawdown | -11.6% (Jan 2026→Mar 2026) | -19.8% (Oct 2022→Mar 2023) |
UNM analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $2.17 | $2.23 | -3.1% | $2.96B | 12 |
| Next quarter (ends Dec 2026) | $2.19 | $2.26 | -3.2% | $2.97B | 10 |
| Current fiscal year (ends Dec 2026) | $8.67 | $8.79 | -1.4% | $12.11B | 13 |
| Next fiscal year (ends Dec 2027) | $9.43 | $9.66 | -2.3% | $12.68B | 13 |
UNM options: expected move
Options price a move of about ±7.8% (±$7.28) by Nov 20, 2026, which includes earnings on Nov 3, 2026.
| Expiration | Days | ATM implied volatility | Expected move |
|---|---|---|---|
| Nov 20, 2026 | 28 | 34.7% | ±7.8% |
| Dec 18, 2026 | 56 | 32.6% | ±10.2% |
| Mar 19, 2027 | 147 | 32.4% | ±16.2% |
| Jun 17, 2027 | 237 | 30.6% | ±19.3% |
30-day implied volatility 35% vs 21% realized over the last 30 trading days. Put/call ratio (volume) 1.68. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.
Key Statistics (as of October 23, 2026 at 09:26 UTC)
| Price | USD 93.75 |
|---|---|
| Change | ▲ 0.04% (up) |
| Previous Close | USD 93.71 |
| Open | USD 93.47 |
| Day Range | USD 92.14 – 93.92 |
| 52-Week Range | USD 69.02 – 96.77 |
| Volume | 1,485,363 shares |
| Market Cap | $14.84B |
| Exchange | NYQ |
Technical Analysis (UNM)
Nexqual's technical model rates UNM "BUY" based on 5 bullish and 1 bearish signals across 127 daily candles, as of October 23, 2026 at 09:26 UTC.
| Overall Signal | BUY |
|---|---|
| RSI (14) | 54.11 (neutral) |
| vs SMA50 | Above (USD 92.18) |
| MACD | 0.33 (positive) |
Analyst Ratings (UNM)
Wall Street analysts rate UNM "Buy" based on 13 analysts, with a mean price target of USD 102.15 (range USD 92–122), per Nexqual as of October 23, 2026 at 09:26 UTC.
| Consensus Rating | Buy |
|---|---|
| Analyst Count | 13 |
| Mean Target | USD 102.15 |
| High Target | USD 122 |
| Low Target | USD 92 |
| Buy / Hold / Sell | 9 / 4 / 0 |
Earnings (UNM)
| Next Earnings Date | 2026-11-03 |
|---|---|
| EPS Estimate | USD 2.17 |
| Revenue Estimate | $2.96B |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 2.16 vs est 2.15 ▲ beat |
| 2026-03-31 | USD 2.14 vs est 2.05 ▲ beat |
| 2025-12-31 | USD 1.92 vs est 2.11 ▼ miss |
| 2025-09-30 | USD 2.09 vs est 2.15 ▼ miss |
Source: Nexqual, October 23, 2026 at 09:26 UTC.
Financials & Fundamentals (UNM)
| Total Revenue | $13.35B |
|---|---|
| Revenue Growth (latest quarter, YoY) | +0.30% |
| Gross Margin | +29.30% |
| Operating Margin | +11.36% |
| Profit Margin | +5.26% |
| ROE | +6.35% |
| Debt / Equity | 0.37 |
| Current Ratio | 17.26 |
| Total Cash | $2.07B |
| Total Debt | $3.99B |
| Free Cash Flow (last four quarters to Jun 2026, SEC 10-Q / 10-K) | $693.00M (5.2% of revenue) |
Source: Nexqual, October 23, 2026 at 09:26 UTC.
Financial Health Score (UNM)
Nexqual rates Unum Group's overall financial health "Mixed" across five dimensions, as of October 23, 2026 at 09:26 UTC.
| Growth | Mixed — Revenue +2.0% YoY (annual), slow |
|---|---|
| Profitability | Solid — Gross margin 29%, operating 11% (last 12 months) |
| Balance Sheet | Strong — $199M cash and investments vs $3.76B debt (Jun 2026, SEC) |
| Cash Flow | Solid — FCF $693M (last 4 quarters to Jun 2026, SEC), 5% margin |
| Efficiency | Mixed — ROE 6%, ROA 1.1% |
Ownership (UNM)
| Insider Ownership | +1.00% |
|---|---|
| Institutional Ownership | +90.98% |
| Shares Outstanding | 158.31M |
| Float | 143.41M |
| Short % of Float | +3.72% |
Source: Nexqual, October 23, 2026 at 09:26 UTC.
Leadership (UNM)
Unum Group is led by Richard Paul McKenney, President, CEO & Director, per Nexqual as of October 23, 2026 at 09:26 UTC.
| President, CEO & Director | Richard Paul McKenney |
|---|---|
| Executive VP & CFO | Steven Andrew Zabel |
| Executive Vice President of Group Benefits | Christopher Wallace Pyne |
| Senior Vice President of Investor Relations & Treasury | J. Matthew Royal |
| Executive Vice President of People & Communications | Elizabeth A. Claire Ahmed |
Major Backers & Investors (UNM)
Notable institutional backers of Unum Group include NORGES BANK, FMR, LLC, Morgan Stanley, according to Nexqual as of October 23, 2026 at 09:26 UTC.
Active Investors
| Investor | Stake |
|---|---|
| NORGES BANK | 8.37% |
| FMR, LLC | 4.89% |
| Morgan Stanley | 2.05% |
| AQR Capital Management, LLC | 1.89% |
| Fidelity | 1.16% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 11.37% |
| Vanguard Group | 9.72% |
| State Street | 3.2% |
| Dimensional Fund Advisors | 2.61% |
| Geode Capital | 1.97% |
Source: Nexqual, October 23, 2026 at 09:26 UTC.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| GL | Globe Life Inc. | USD 168.41 | ▼ 0.71% |
| JXN | Jackson Financial Inc. | USD 133.32 | ▲ 2.42% |
| PRI | Primerica, Inc. | USD 285.72 | ▲ 0.38% |
| LNC | Lincoln National Corporation | USD 41.11 | ▲ 1.78% |
| PUK | Prudential Public Limited Compa | USD 24.01 | ▼ 1.6% |
| PRU | Prudential Financial, Inc. | USD 118.17 | ▲ 2.92% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 09:26 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt