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Unum Group (UNM) Stock: Price, Forecast & Analyst Target

Unum Group (UNM) — MoonshotScore 65/100 (Strong band), calculated Oct 26, 2026. Price $90.12 (-0.18%), as of the Oct 26, 2026 trading session; market cap $14.3B. Expected results Nov 3, 2026.

Educational signal · not a buy or sell recommendation · How to read this

Market value / cash and short-term investments: 71.79× (market value Oct 26, 2026; cash Jun 30, 2026) · expected results Nov 3, 2026

$90.12 −$0.16 (-0.18%) Market Cap $14.3B

Unum Group · UNM · NYSE · Financial Services · Insurance - Life

Research dated 2026-09-13: Unum Group sells workplace financial protection, led by disability, life, accident, critical-illness, dental and vision coverage distributed through employers, brokers and consultants. Its economics depend less on consumer demand for stand-alone life policies than on workplace enrollment, benefit costs and the earnings generated by assets supporting policy obligations. The issue demanding attention is whether improving quarterly profit and cash generation can endure after annual revenue growth produced markedly weaker net income.

Price as of Oct 26, 2026

Key Statistics

65 of 100

MoonshotScore v2 · Unum Group (UNM)

Strong
Business Quality Average (45)
Financial Safety Fortress (85)
Valuation Fair (73)
Growth Durability Shrinking (19)
Momentum Surging (88)
Why this rating? Method, drivers & history

Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.

  • Business Quality — Is this a genuinely good business?
  • Financial Safety — Could this blow up on me?
  • Valuation — Am I paying a fair price?
  • Growth Durability — Is the growth real and likely to last?
  • Momentum — Is the market already moving on this?
The ten-second read ·

A strong balance sheet, at a cheap price, but stalling growth; the market is already moving on it. Business Quality: Average; Financial Safety: Fortress; Valuation: Fair; Growth Durability: Shrinking; Momentum: Surging.

  • quarterly revenue $3.29B (Q2 FY2026, quarter ended Jun 30, 2026)
  • EPS beat 2 of 8
  • Altman Z 0.76 · Piotroski F 8

Holding back: soft growth

Helping: balance-sheet strength, an attractive price, positive momentum

What has the MoonshotScore done over time?

MoonshotScore snapshots recorded for UNM (42 recorded, newest six shown)
RecordedScoreBand
68Strong
65Fair
67Strong
66Strong
67Strong
65Strong

The score moved from 66 in the stored Oct 24, 2026 snapshot to 65 in the current publication computed Oct 26, 2026 (-1); the largest pillar moves were Momentum -2 and Financial Safety +1.

Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.

Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →

Price & valuation

Dates shown where recorded
MeasureValueAs of
Latest provided price$90.12
Change on the day-0.18%
52-week range$69.02–$96.77
Market capitalisation$14.3B
Price / earnings (trailing)21.04
Shares traded on the day1.27M
Beta (volatility vs the S&P 500)0.24
Dividends per share (last 12 months)$1.43
Dividend yield (last 12 months)1.58%

Price & events

Weekly closing price with reported quarters marked Weekly closing price from Sep 26, 2025 to Oct 26, 2026: low $72, high $96, latest $90. 4 reported quarters marked, 1 above and 2 below the recorded estimate. 1 other dated event marked. $96 $72 high $96 Nov 3, 2025 · Earnings results · reported below the recorded estimate · close $731Feb 5, 2026 · Earnings results · reported below the recorded estimate · close $752Apr 28, 2026 · Earnings results · reported above the recorded estimate · close $813Jul 28, 2026 · Earnings results · reported in line with the recorded estimate · close $864Jul 29, 2026 · Earnings call · management outlook · no recorded estimate to compare · close $865 Sep 26, 2025 Oct 26, 2026 · $90 $78Sep 26, 2025$76Oct 10, 2025$76Oct 24, 2025$78Nov 7, 2025$76Nov 21, 2025$74Dec 5, 2025$79Dec 19, 2025$77Jan 2, 2026$76Jan 16, 2026$76Jan 30, 2026$72Feb 13, 2026$72Feb 27, 2026$72Mar 13, 2026$73Mar 27, 2026$77Apr 10, 2026$77Apr 24, 2026$81May 8, 2026$85May 22, 2026$87Jun 5, 2026$90Jun 18, 2026$92Jul 2, 2026$89Jul 17, 2026$86Jul 31, 2026$93Aug 14, 2026$93Aug 28, 2026$94Sep 11, 2026$92Sep 25, 2026$92Oct 9, 2026$90Oct 23, 2026

Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file or a dated event that is not a results report. Numbers key to the dated list. Point at or tab to any week for its close.

Events behind the price

  • · Earnings results · below the recorded estimate
  • · Earnings results · below the recorded estimate
  • · Earnings results · above the recorded estimate
  • · Earnings results · in line with the recorded estimate
  • · Earnings call · management outlook

Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.

Upcoming events

As of

Dated events ahead, in order, not to scaleOct 30, 2026, Ex-dividend date; Nov 3, 2026, Next results due; Nov 20, 2026, Dividend payment date. Spacing is order only and carries no duration.Oct 26, 20261Oct 30, 20262Nov 3, 20263Nov 20, 2026
  1. Ex-dividend dateCompany record
  2. Next results dueProvider estimate
  3. Dividend payment dateCompany record

Management outlook

  • Given the impact of U.K. results on our international tax profile, we currently expect our effective tax rate to be approximately 22% for the remainder of 2026.

    Steven Zabel · Statement from

  • Accordingly, we expect to retain statutory earnings at Unum America rather than upstream in dividend, which may temporarily elevate our RBC ratio at the end of the third quarter. Our year-end capital expectations do remain unchanged, and we continue to expect to finish the year within our stated ranges for both RBC and holding company liquidity.

    Steven Zabel · Statement from

Chronological order, not a duration scale. Statement dates identify the earnings call, not a deadline. Management expectations and provider estimates can change.

Read management statements

Other perspectives

Council score for Unum Group (UNM): perspectives

Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.

5-Factor Breakdown

Growth Durability Negative
Momentum Strong
Business Quality Neutral
Financial Safety Strong
Valuation Moderate

Legends Council

6 lenses, 0 current

AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built

Dalio-style lens (simulated) Ray Dalio Favorable read
Griffin-style lens (simulated) Ken Griffin Favorable read
Simons-style lens (simulated) Jim Simons Neutral read
Englander-style lens (simulated) Izzy Englander Neutral read
Klarman-style lens (simulated) Seth Klarman Favorable read
Moon AI lens (model) Neutral read

Read on: Oct 22, 2026 · older than the 27 hours refresh window; not a current reading

Munger's Mindset

Balance Sheet & Valuation · historical

Financial Health Neutral
Margin of Safety Fairly Valued
Profit Margin Neutral
Revenue Growth Weak
Debt/Equity Neutral
ROE Neutral
Gross Margin Neutral

Read on: Sep 11, 2026 · older than the 27 hours refresh window; not a current reading

How to read these bars and different assessments

Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.

Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.

On Sep 11, 2026, the Munger lens read the price at that time as fairly valued against its own estimate of value.

Readings on this page are from Oct 27, 2026, except a card that shows its own read date.

Watch the UNM film — every key number, told as a short cinematic story

~2 min · open the film

1 · What is it?

What is Unum Group (UNM), and what does it report?

Short answer · as of

Unum is principally an employee-benefits insurer, not merely a conventional life carrier. Employers are the core buyers, while workers receive group coverage or elect supplemental benefits; distribution runs through field sales, brokers, consultants and an agency force.

Research dated 2026-09-13.

Unum is principally an employee-benefits insurer, not merely a conventional life carrier. Employers are the core buyers, while workers receive group coverage or elect supplemental benefits; distribution runs through field sales, brokers, consultants and an agency force. That structure makes employer relationships, workforce participation and claims experience central to the business.

Reporting separates the dominant Unum US operation from Colonial Life, Unum International and the Closed Block. The mix matters because active workplace-benefit franchises, overseas operations and the Closed Block can carry different growth, claims and capital characteristics, so consolidated revenue alone does not reveal where earnings quality originates.

Sources (as of 2026-09-13): Business description; Sector / industry (provider taxonomy); Revenue by segment; Named officers

2 · Latest results

What do the latest results show for Unum Group (UNM)?

Short answer · as of

The most recent reported quarter, Q2 FY2026, carried revenue of $3.29B.

Research dated 2026-09-13.

The latest quarterly statement shows revenue easing from the preceding period while operating profit, net income and diluted earnings improved. Operating cash flow strengthened as well, indicating that the profit recovery was accompanied by cash generation rather than resting only on reported earnings.

Against market expectations, the latest reported earnings matched the profit forecast while revenue came in slightly below the consensus figure. The broader annual record is less comfortable: revenue advanced, yet net income dropped sharply, showing that premium and investment-related scale did not translate proportionately into profit.

Management linked the international tax outlook to United Kingdom results and said statutory earnings would temporarily remain at Unum America instead of being sent to the holding company. That choice may lift the regulatory capital ratio temporarily, while management maintained its year-end expectations for regulatory capital and holding-company liquidity.

Sources (as of 2026-09-13): Quarterly income statement (USD thousands); Operating cash flow by quarter (USD millions); Reported versus estimated, last 8 quarters; Annual revenue and net result (USD millions); Management outlook — dated call excerpts; Most recent periodic reports

Where is operating spending going?

Revenue alongside research and development, selling, general and administrative expenses, and the FMP standardized operating result.

Latest quarter · revenue
$3.29B Jun 30, 2026
Latest quarter · SG&A
$0.00 Jun 30, 2026
Latest quarter · FMP standardized operating result
$329.50M Jun 30, 2026
Where is operating spending going? — FMP standardized evidence
Period endRevenueR&DSG&AFMP standardized operating result
Jun 30, 2026$3.29BNot available$0.00$329.50M
Mar 31, 2026$3.36BNot available$1.05B$302.70M
Dec 31, 2025$3.24BNot available$0.00$218.40M
Sep 30, 2025$3.36BNot available$292.40M$54.50M

USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow.

Did results meet expectations?

Reported earnings and revenue alongside the estimates recorded by the provider.

Latest report · revenue
$2.90B Jul 28, 2026
Latest report · revenue estimate
$2.90B Jul 28, 2026
Latest report · revenue vs estimate
In line Jul 28, 2026
Latest report · EPS vs estimate
In line Jul 28, 2026
Did results meet expectations? — reported evidence
Report dateRevenue · reportedRevenue · estimateEPS · reportedEPS · estimate
Jul 28, 2026$2.90B$2.90B$2.1600$2.1600
Apr 28, 2026$3.36B$2.91B$2.1400$2.0500
Feb 5, 2026$3.24B$3.29B$1.9200$2.1100
Nov 3, 2025$3.36B$3.33B$2.0900$2.1500

Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.

Quarterly income statement — 4 quarters
Revenue, net income and earnings per share by quarter
PeriodRevenueNet incomeEPS
Q2 FY2026$3.29B$257M$1.61 (diluted)
Q1 FY2026$3.36B$232M$1.41 (diluted)
Q4 FY2025$3.24B$174M$1.04 (diluted)
Q3 FY2025$3.36B$40M$0.23 (diluted)
3 · Financial strengths and risks

What are the financial strengths and risks for Unum Group (UNM)?

Short answer

Cash and short-term investments were $199.20M at the Jun 30, 2026 balance-sheet date. Operating cash flow was $503.50M for the quarter ended Jun 30, 2026, meaning operations generated cash. These figures do not establish a cash runway.

Research dated 2026-09-13.

Unum’s balance sheet must be read as an insurer’s balance sheet. Cash and short-term investments are modest beside debt and total liabilities, but the company also holds a large long-term investment portfolio supporting policy obligations; treating cash alone as the available asset base would misstate the financial structure.

Cash generation has recovered from an earlier negative period and recently strengthened, while capital expenditure remains small relative to operating inflow. The principal financial risk is therefore not heavy reinvestment demand but a deterioration in benefit economics, investment performance or liability funding that compresses profit and restricts capital movement to the holding company.

The Closed Block adds another source of earnings variability that deserves separate scrutiny from the active workplace franchises. A weak period in international operations can also affect consolidated taxes, as management’s current outlook demonstrates.

Sources (as of 2026-09-13): Cash, investments and debt; Cash and investment components; Cash and short-term investments over time (USD millions); Operating cash flow by quarter (USD millions); Trailing twelve-month ratio set; Revenue by segment; Management outlook — dated call excerpts; Distress and quality screens

Data-derived red flags

  • Financial-distress signal — its Altman Z-Score of 0.76 sits in the distress zone (elevated bankruptcy risk).
  • Inconsistent delivery — missed Wall Street EPS estimates in 5 of the last 8 reported quarters.

How much cash does the business generate or use?

Quarterly operating cash flow shows cash generated or used by operations.

Latest quarter · operating cash flow
$503.50M Jun 30, 2026
Previous quarter · operating cash flow
$340.80M Mar 31, 2026
How much cash does the business generate or use? — reported evidence
Period endOperating cash flowCapital expenditure (reported)
Jun 30, 2026$503.50M−$29.20M
Mar 31, 2026$340.80M−$39.60M
Dec 31, 2025$357.90M−$37.80M
Sep 30, 2025−$371.80M−$30.80M

Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.

USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway.

4 · What to check next?

What should you watch next at Unum Group (UNM)?

Short answer · as of

The next earnings report is expected on Nov 3, 2026.

Research dated 2026-09-13.

At the scheduled earnings release, watch whether revenue stabilizes while operating profit and cash flow retain their recent improvement. Consensus expectations imply weaker annual revenue than the prior reported year followed by renewed growth, so the path of employer-benefit sales matters more than an isolated earnings comparison.

Unum America’s retained statutory earnings should be checked against management’s unchanged year-end capital and holding-company liquidity ranges. United Kingdom results also warrant attention because they are influencing the expected tax burden, while another gap between revenue growth and net-income growth would reinforce the concern visible in the annual record.

Dividend payments have continued and the latest payment increased, but distributions should be considered alongside cash generation and the ability of insurance subsidiaries to transfer capital. Recent insider records show sales and award-related activity without open-market purchases, which offers transaction context but not an explanation of management intent.

Sources (as of 2026-09-13): Next earnings report; Analyst revenue and earnings estimates (average); Reported versus estimated, last 8 quarters; Annual revenue and net result (USD millions); Quarterly income statement (USD thousands); Operating cash flow by quarter (USD millions); Management outlook — dated call excerpts; Recent dividends paid; Insider transactions, last 180 days

What management is planning

Management expectations, not completed milestones or guarantees. Selected verbatim excerpts; dates follow the transcript provider.

  1. Given the impact of U.K. results on our international tax profile, we currently expect our effective tax rate to be approximately 22% for the remainder of 2026.

    Steven Zabel ·

  2. Accordingly, we expect to retain statutory earnings at Unum America rather than upstream in dividend, which may temporarily elevate our RBC ratio at the end of the third quarter. Our year-end capital expectations do remain unchanged, and we continue to expect to finish the year within our stated ranges for both RBC and holding company liquidity.

    Steven Zabel ·

5 · Peer comparison

How does Unum Group compare with its peers?

Short answer

Unum Group's score ranks 11th of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.

Research dated 2026-09-13.

Compared with businesses centered on individually purchased life policies, Unum is more closely tied to employer benefit programs and workplace enrollment. Disability coverage and voluntary supplemental products broaden the earnings drivers beyond mortality, while dental, vision, accident and critical-illness offerings deepen the relationship with employers and their workforces.

Its reporting mix is also distinctive: Unum US supplies most segment revenue, Colonial Life provides a separately visible voluntary-benefits franchise, Unum International adds geographic and tax exposure, and the Closed Block sits alongside the active businesses. That combination makes segment mix, benefit experience and capital mobility more informative than a simple comparison based on the life-insurance label.

Sources (as of 2026-09-13): Business description; Sector / industry (provider taxonomy); Revenue by segment; Named officers; Management outlook — dated call excerpts

Peer set — price, market value and MoonshotScore
CompanyPriceMarket valueScore
Grupo Cibest S.A. (CIB) Named competitor$96.40 Oct 26, 2026$23.1B98 5-pillar Oct 26, 2026
Woori Financial Group Inc. (WF) Named competitor$65.84 Oct 26, 2026$16.1B97 5-pillar Oct 26, 2026
Reinsurance Group of America, Incorporated (RGA) Named competitor$265.15 Oct 26, 2026$17.5B93 5-pillar Oct 26, 2026
Manulife Financial Corporation (MFC) Same industry, near in market value$44.65 Oct 26, 2026$73.4B89 5-pillar Oct 26, 2026
Primerica, Inc. (PRI) Same industry, near in market value$276.79 Oct 26, 2026$8.45B88 5-pillar Oct 26, 2026
MetLife, Inc. (MET) Named competitor$100.04 Oct 26, 2026$63.6B84 5-pillar Oct 26, 2026
Prudential Financial, Inc. (PRU) Same industry, near in market value$115.79 Oct 26, 2026$39.7B84 5-pillar Oct 26, 2026
F&G Annuities & Life, Inc. (FGN) Same industry, near in market value$22.65 Oct 26, 2026$4.06B76 5-pillar Oct 26, 2026
CNO Financial Group, Inc. (CNO) Same industry, near in market value$54.20 Oct 26, 2026$4.96B70 5-pillar Oct 26, 2026
Globe Life Inc. (GL) Same industry, near in market value$156.82 Oct 26, 2026$11.9B68 5-pillar Oct 26, 2026
Unum Group (UNM) — this page$90.12$14.3B65
AFLAC Incorporated (AFL) Same industry, near in market value$120.93 Oct 26, 2026$60.4B64 5-pillar Oct 26, 2026
Banco Santander-Chile (BSAC) Named competitor$31.66 Oct 26, 2026$14.9B57 5-pillar Oct 26, 2026

Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.

Screen more Financial Services stocks

The records behind this page

Analyst targets & estimates

What analysts have on file

Price target, low to high
$88.00 – $123.00
Consensus target
$101.00
Median target
$98.00

Consensus record · Captured .

Measured against a quoted price of $90.12 (as of Oct 26, 2026).

Insider activity

Form 4 records via FMP · Of the newest 100 records, those within the last 180 days, newest dated Sep 10, 2026

Transactions
20
Identified insiders
15
Purchases
0
Sales
4
Other transactions
16

Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.

Who holds the shares?

Institutional ownership reported through 13F filings.

Institutional ownership
89.4% Period end Jun 30, 2026
Previous quarter · ownership
77.2% Prior to period end Jun 30, 2026
Reporting holders
790 Period end Jun 30, 2026
Previous quarter · holders
719 Prior to period end Jun 30, 2026
Who holds the shares? — reported evidence
Holders in provider snapshotShares
Blackrock, INC.17,994,655
Norges Bank13,256,645
Vanguard Portfolio Management LLC8,587,898
Fmr LLC7,737,197
Vanguard Capital Management LLC6,804,023

Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed. Holder snapshot as of Jun 30, 2026.

What has been published about Unum Group (UNM)?

Read these with our analysis →

Common Questions About UNM (Financial Services)

Research dated 2026-09-13; the full attribution is under Sources. The last 3 questions are answered from this page's own dated data, not from the research.

Why does Unum depend on employers rather than individual policy shoppers?

Employers procure Unum’s core group benefits for their workforces, and employees may then receive coverage or select voluntary products. Field sales, brokers, consultants and an agency force connect Unum to those workplace accounts.

Sources (as of 2026-09-13): Business description

How does Colonial Life differ from Unum US?

Colonial Life is reported separately and is associated with Unum’s voluntary-benefits leadership, while Unum US is the much larger domestic segment. The separation lets readers distinguish the voluntary franchise from the broader domestic benefits operation.

Sources (as of 2026-09-13): Revenue by segment; Named officers; Business description

Why does Unum keep a Closed Block beside its workplace-benefits operations?

The Closed Block is reported apart from Unum’s active domestic, international and voluntary-benefits franchises. Its meaningful revenue contribution means changes there can affect consolidated results even when the workplace businesses follow a different path.

Sources (as of 2026-09-13): Revenue by segment; Business description

Why can Unum revenue rise while net income falls?

Insurance revenue does not flow directly to shareholders because benefit costs, operating expenses, investment outcomes and taxes shape the remaining profit. Unum’s annual record illustrates that disconnect, while the latest quarterly sequence shows profit recovering even as revenue eased.

Sources (as of 2026-09-13): Annual revenue and net result (USD millions); Quarterly income statement (USD thousands); Management outlook — dated call excerpts; Trailing twelve-month ratio set

What is the UNM stock price today?

The last price recorded on this page for Unum Group (UNM) is $90.12, as of the Oct 26, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.

What is the UNM price target?

The analyst consensus price target for Unum Group (UNM) is $101.00 (range $88.00 to $123.00, median $98.00), per FMP data captured Oct 26, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.

Does UNM pay a dividend?

Yes. Unum Group (UNM) shows a trailing 12-month dividend yield of 1.58%, as of Oct 23, 2026, in the data on this page. Payout ratio and cash-flow coverage decide whether it can last, and past dividends do not guarantee future payments.

Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.

Research written by Codex (gpt-5.6-sol) on 2026-09-13. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.

Sources (as of 2026-09-13): Business description; Sector / industry (provider taxonomy); Revenue by segment; Annual revenue and net result (USD millions); Quarterly income statement (USD thousands); Operating cash flow by quarter (USD millions)

Sources — records for every figure on this page (81 figures)

The 81 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.

"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.

OFFICIAL — 2 facts from SEC filings and earnings calls

OFFICIAL facts used on this page
Fact IDFactValue as shownAs ofTierSource
prod.outlookManagement outlook — call excerptsSteven Zabel (Jul 29, 2026): Given the impact of U.K. results on our international tax profile, we currently expect our effective tax rate to be approximately 22% for the remainder of 2026. Steven Zabel (Jul 29, 2026): Accordingly, we expect to retain statutory earnings at Unum America rather than upstream in dividend, which may temporarily elevate our RBC ratio at the end of the third quarter. Our year-end capital expectations do remain unchanged, and we continue to expect to finish the year within our stated ranges for both RBC and holding company liquidity.OFFICIALCompany earnings call, transcript via Financial Modeling Prep (FMP) — Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording.
id.hqSEC filing business addressChattanooga, TNOFFICIALSEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "1 Fountain Square, Chattanooga, TN, 37402, US".

FMP — 70 facts from Financial Modeling Prep endpoint families

FMP facts used on this page
Fact IDFactValue as shownAs ofTierSource
earn.nextNext earnings dateNov 3, 2026FMPFinancial Modeling Prep (FMP) earnings calendar — The date is our provider's estimate until the company confirms it.
px.lastLatest provided price$90.12FMPFinancial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-26T20:54:40.187Z.
px.changeChange on the day-0.18%FMPFinancial Modeling Prep (FMP) · quote
px.mcapMarket capitalisation$14.3BFMPFinancial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-26. FMP quote timestamp: 2026-10-26T20:00:02.000Z. Captured from FMP at 2026-10-26T20:54:39.308Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares.
px.change_absChange on the day, in dollars−$0.16FMPFinancial Modeling Prep (FMP) · quote
fin.q_revenueRevenue, Q2 FY2026$3.29BFMPFinancial Modeling Prep (FMP) · income statement (quarterly)
px.range5252-week range$69.02–$96.77FMPFinancial Modeling Prep (FMP) quote
px.pePrice / earnings (trailing)21.04FMPFinancial Modeling Prep (FMP) · quote
px.volumeShares traded on the day1.27MFMPFinancial Modeling Prep (FMP) · quote
px.betaBeta0.24FMPFinancial Modeling Prep (FMP) company profile
id.ceoChief executiveRichard Paul McKenneyFMPFinancial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it.
id.employeesEmployees10,797FMPFinancial Modeling Prep (FMP) employee count, from the company's filing
fin.annualRevenue and net result by fiscal year5 fiscal years, FY2021 through FY2025: FY2021 revenue $11.84B, net result $981.00M; FY2022 revenue $11.88B, net result $1.41B; FY2023 revenue $12.31B, net result $1.28B; FY2024 revenue $12.79B, net result $1.78B; FY2025 revenue $13.05B, net result $738.50MFMPFinancial Modeling Prep (FMP), from the company's 10-K income statements
fin.rev_mixReported revenue segmentsUnum US $7.94B · Closed Block $1.89B · Colonial Life $2.01B · Unum International $1.24BFMPFinancial Modeling Prep (FMP) revenue segmentation, from the company's 10-K
fin.gross_marginGross margin (trailing twelve months)35.7%FMPFinancial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero.
fin.q_table.depth.2026-06-30.revenue_kRevenue — period end 2026-06-30$3.29BPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note
fin.q_table.depth.2026-06-30.sga_kSG&A — period end 2026-06-30$0.00Period end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note
fin.q_table.depth.2026-06-30.operating_result_kFMP standardized operating result — period end 2026-06-30$329.50MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note
fin.q_table.depth.2026-03-31.revenue_kRevenue — period end 2026-03-31$3.36BPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note
fin.q_table.depth.2026-03-31.sga_kSG&A — period end 2026-03-31$1.05BPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note
fin.q_table.depth.2026-03-31.operating_result_kFMP standardized operating result — period end 2026-03-31$302.70MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note
fin.q_table.depth.2025-12-31.revenue_kRevenue — period end 2025-12-31$3.24BPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note
fin.q_table.depth.2025-12-31.sga_kSG&A — period end 2025-12-31$0.00Period end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note
fin.q_table.depth.2025-12-31.operating_result_kFMP standardized operating result — period end 2025-12-31$218.40MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note
fin.q_table.depth.2025-09-30.revenue_kRevenue — period end 2025-09-30$3.36BPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note
fin.q_table.depth.2025-09-30.sga_kSG&A — period end 2025-09-30$292.40MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note
fin.q_table.depth.2025-09-30.operating_result_kFMP standardized operating result — period end 2025-09-30$54.50MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note
earn.history.depth.2026-07-28.revenue_actualRevenue · reported — report date 2026-07-28$2.90BReport date · FMPFinancial Modeling Prep (FMP) earnings — Earnings-history note
earn.history.depth.2026-07-28.revenue_estimatedRevenue · estimate — report date 2026-07-28$2.90BReport date · FMPFinancial Modeling Prep (FMP) earnings — Earnings-history note
earn.history.depth.2026-07-28.eps_actualEPS · reported — report date 2026-07-28$2.1600Report date · FMPFinancial Modeling Prep (FMP) earnings — Earnings-history note
earn.history.depth.2026-07-28.eps_estimatedEPS · estimate — report date 2026-07-28$2.1600Report date · FMPFinancial Modeling Prep (FMP) earnings — Earnings-history note
earn.history.depth.2026-04-28.revenue_actualRevenue · reported — report date 2026-04-28$3.36BReport date · FMPFinancial Modeling Prep (FMP) earnings — Earnings-history note
earn.history.depth.2026-04-28.revenue_estimatedRevenue · estimate — report date 2026-04-28$2.91BReport date · FMPFinancial Modeling Prep (FMP) earnings — Earnings-history note
earn.history.depth.2026-04-28.eps_actualEPS · reported — report date 2026-04-28$2.1400Report date · FMPFinancial Modeling Prep (FMP) earnings — Earnings-history note
earn.history.depth.2026-04-28.eps_estimatedEPS · estimate — report date 2026-04-28$2.0500Report date · FMPFinancial Modeling Prep (FMP) earnings — Earnings-history note
earn.history.depth.2026-02-05.revenue_actualRevenue · reported — report date 2026-02-05$3.24BReport date · FMPFinancial Modeling Prep (FMP) earnings — Earnings-history note
earn.history.depth.2026-02-05.revenue_estimatedRevenue · estimate — report date 2026-02-05$3.29BReport date · FMPFinancial Modeling Prep (FMP) earnings — Earnings-history note
earn.history.depth.2026-02-05.eps_actualEPS · reported — report date 2026-02-05$1.9200Report date · FMPFinancial Modeling Prep (FMP) earnings — Earnings-history note
earn.history.depth.2026-02-05.eps_estimatedEPS · estimate — report date 2026-02-05$2.1100Report date · FMPFinancial Modeling Prep (FMP) earnings — Earnings-history note
earn.history.depth.2025-11-03.revenue_actualRevenue · reported — report date 2025-11-03$3.36BReport date · FMPFinancial Modeling Prep (FMP) earnings — Earnings-history note
earn.history.depth.2025-11-03.revenue_estimatedRevenue · estimate — report date 2025-11-03$3.33BReport date · FMPFinancial Modeling Prep (FMP) earnings — Earnings-history note
earn.history.depth.2025-11-03.eps_actualEPS · reported — report date 2025-11-03$2.0900Report date · FMPFinancial Modeling Prep (FMP) earnings — Earnings-history note
earn.history.depth.2025-11-03.eps_estimatedEPS · estimate — report date 2025-11-03$2.1500Report date · FMPFinancial Modeling Prep (FMP) earnings — Earnings-history note
fin.q_tableQuarterly income statement4 quarters through Q2 FY2026FMPFinancial Modeling Prep (FMP) · income statement (quarterly), as filed
fin.cash_investmentsCash and short-term investments$199.20MFMPFinancial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review.
fin.opcf_latestLatest-quarter operating cash flow$503.50MFMPFinancial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Period end: 2026-06-30. Negative operating cash flow means cash used. This figure is not a cash-runway estimate.
fin.long_term_investmentsLong-term investments (classification unverified)$43.70BFMPFinancial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability.
fin.total_debtTotal debt$3.76BFMPFinancial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability.
fin.price_to_bookPrice to book value1.33×FMPFinancial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero.
fin.opcf.depth.2026-06-30.operating_cash_flow_mOperating cash flow — period end 2026-06-30$503.50MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note
fin.opcf.depth.2026-03-31.operating_cash_flow_mOperating cash flow — period end 2026-03-31$340.80MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note
fin.opcf.depth.2026-06-30.capex_mCapital expenditure (reported) — period end 2026-06-30−$29.20MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note
fin.opcf.depth.2026-03-31.capex_mCapital expenditure (reported) — period end 2026-03-31−$39.60MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note
fin.opcf.depth.2025-12-31.operating_cash_flow_mOperating cash flow — period end 2025-12-31$357.90MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note
fin.opcf.depth.2025-12-31.capex_mCapital expenditure (reported) — period end 2025-12-31−$37.80MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note
fin.opcf.depth.2025-09-30.operating_cash_flow_mOperating cash flow — period end 2025-09-30−$371.80MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note
fin.opcf.depth.2025-09-30.capex_mCapital expenditure (reported) — period end 2025-09-30−$30.80MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note
earn.pt_rangeAnalyst price target, low to high$88.00 – $123.00FMPFinancial Modeling Prep (FMP) · price-target consensus — Captured Oct 26, 2026 · Coverage not supplied
earn.pt_consensusConsensus analyst price target$101.00FMPFinancial Modeling Prep (FMP) · price-target consensus — Captured Oct 26, 2026 · Coverage not supplied
earn.pt_medianMedian analyst price target$98.00FMPFinancial Modeling Prep (FMP) · price-target consensus — Captured Oct 26, 2026 · Coverage not supplied
own.insidersInsider transactions via FMP20 transactions · 0 purchases, 4 sales, 16 other transactions · 15 identified insiders · of the newest 100 records, those within the last 180 days, newest dated Sep 10, 2026FMPFinancial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
own.institutions.depth.ownership_pctInstitutional ownership89.4%FMPFinancial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026
own.institutions.depth.ownership_pct_previous_quarterPrevious quarter · ownership77.2%FMPFinancial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026
own.institutions.depth.holdersReporting holders790FMPFinancial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026
own.institutions.depth.holders_previous_quarterPrevious quarter · holders719FMPFinancial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026
own.top_holders.depth.holder_0.sharesBlackrock, INC. — shares in provider snapshot17,994,655FMPFinancial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied.
own.top_holders.depth.holder_1.sharesNorges Bank — shares in provider snapshot13,256,645FMPFinancial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied.
own.top_holders.depth.holder_2.sharesVanguard Portfolio Management LLC — shares in provider snapshot8,587,898FMPFinancial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied.
own.top_holders.depth.holder_3.sharesFmr LLC — shares in provider snapshot7,737,197FMPFinancial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied.
own.top_holders.depth.holder_4.sharesVanguard Capital Management LLC — shares in provider snapshot6,804,023FMPFinancial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied.

UNRECORDED — 2 facts from stored observations whose source was not recorded

UNRECORDED facts used on this page
Fact IDFactValue as shownAs ofTierSource
earn.historyReported versus estimated, recent quartersEPS beat 2 of 8UNRECORDEDStored earnings-history observation — Captured 2026-10-22 · Expired observation
fin.scoresDistress and quality screensAltman Z 0.76 · Piotroski F 8UNRECORDEDStored financial-scores observation — Captured 2026-10-25 · Expired observation

COMPUTED — 5 facts from our arithmetic, formula restated

COMPUTED facts used on this page
Fact IDFactValue as shownAs ofTierSource
fin.mcap_to_cashMarket value per dollar of cash and short-term investments71.79×—COMPUTEDComputed on this page from the figures above — The market capitalisation printed on this page divided by cash and short-term investments of $199.20M at Jun 30, 2026. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. Market cap record date: 2026-10-26. Balance-sheet reference date: 2026-06-30. The inputs do not establish a single common source date for this ratio.
div.ttm_per_shareDividends per share, last 12 months (split-adjusted)$1.43COMPUTEDFinancial Modeling Prep (FMP) split-adjusted dividend history — Sum of 3 split-adjusted declared dividends with an ex-date in the 365 days to 2026-10-26, per current share. Ex-dates are not payment dates; special dividends are included. Not a declared annual rate.
div.ttm_yieldDividend yield, last 12 months1.58%COMPUTEDFinancial Modeling Prep (FMP) split-adjusted dividend history and quote — Split-adjusted dividends with ex-dates in the trailing 365-day window divided by the packet price, on the same current-share basis. Price date follows the quote, latest price bar or packet-build day when unstamped. Not a forecast or declared annual rate.
earn.history.depth.2026-07-28.revenue_actual.comparisonLatest report · revenue vs estimateIn lineReport date · COMPUTEDComputed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($2.90B) with the recorded estimate ($2.90B) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns.
earn.history.depth.2026-07-28.eps_actual.comparisonLatest report · EPS vs estimateIn lineReport date · COMPUTEDComputed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($2.1600) with the recorded estimate ($2.1600) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns.

OURS — 2 facts from Stock Expert AI's own score and rank

OURS facts used on this page
Fact IDFactValue as shownAs ofTierSource
ours.moonshotMoonshotScore v265 of 100 · Strong · pillars 45 / 85 / 73 / 19 / 88OURSStock Expert AI MoonshotScore v2 engine
ours.moonshot_changeMoonshotScore movement66 (stored snapshot Oct 24, 2026) → 65 (current publication computed Oct 26, 2026) (-1)OURSStock Expert AI current score publication and immutable score snapshots

Fact-family notes

  1. Quarterly statement note. Source series as of 2026-06-30. USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow. Applies to Fact IDs: fin.q_table.depth.2026-06-30.revenue_k, fin.q_table.depth.2026-06-30.sga_k, fin.q_table.depth.2026-06-30.operating_result_k, fin.q_table.depth.2026-03-31.revenue_k, fin.q_table.depth.2026-03-31.sga_k, fin.q_table.depth.2026-03-31.operating_result_k, fin.q_table.depth.2025-12-31.revenue_k, fin.q_table.depth.2025-12-31.sga_k, fin.q_table.depth.2025-12-31.operating_result_k, fin.q_table.depth.2025-09-30.revenue_k, fin.q_table.depth.2025-09-30.sga_k, fin.q_table.depth.2025-09-30.operating_result_k.
  2. Earnings-history note. Source series as of 2026-07-28. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs: earn.history.depth.2026-07-28.revenue_actual, earn.history.depth.2026-07-28.revenue_estimated, earn.history.depth.2026-07-28.revenue_actual.comparison, earn.history.depth.2026-07-28.eps_actual.comparison, earn.history.depth.2026-07-28.eps_actual, earn.history.depth.2026-07-28.eps_estimated, earn.history.depth.2026-04-28.revenue_actual, earn.history.depth.2026-04-28.revenue_estimated, earn.history.depth.2026-04-28.eps_actual, earn.history.depth.2026-04-28.eps_estimated, earn.history.depth.2026-02-05.revenue_actual, earn.history.depth.2026-02-05.revenue_estimated, earn.history.depth.2026-02-05.eps_actual, earn.history.depth.2026-02-05.eps_estimated, earn.history.depth.2025-11-03.revenue_actual, earn.history.depth.2025-11-03.revenue_estimated, earn.history.depth.2025-11-03.eps_actual, earn.history.depth.2025-11-03.eps_estimated.
  3. Cash-flow note. Source series as of 2026-06-30. USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway. Applies to Fact IDs: fin.opcf.depth.2026-06-30.operating_cash_flow_m, fin.opcf.depth.2026-03-31.operating_cash_flow_m, fin.opcf.depth.2026-06-30.capex_m, fin.opcf.depth.2026-03-31.capex_m, fin.opcf.depth.2025-12-31.operating_cash_flow_m, fin.opcf.depth.2025-12-31.capex_m, fin.opcf.depth.2025-09-30.operating_cash_flow_m, fin.opcf.depth.2025-09-30.capex_m.
Published
Research standards
Methodology · Editorial policy · Corrections

Sources used for research written 2026-09-13

Historical evidence preserved with this analysis. Current figures are listed separately above.

EvidenceCaptured valueSource dateSource typeSource
Business description
Unum Group, along with its various subsidiaries, specializes in delivering financial protection benefits, primarily operating across the United States, the United Kingdom, and Poland. The company's operations are organized into distinct segments: Unum US, Unum International, Colonial Life, and the Closed Block. Its extensive product portfolio encompasses group coverage, including long-term and short-term disability, life insurance, and accidental death and dismemberment. Additionally, Unum provides a range of supplemental and voluntary offerings like individual disability, various voluntary benefits, and dental and vision plans. Further offerings include policies addressing accidents, sickness, general disability, life coverage, cancer, and critical illness. Beyond these, Unum's services extend to group pension plans, individual life insurance, corporate-owned life insurance (COLI), and the management of reinsurance pools. Its primary clientele consists of employers, who procure these solutions to benefit their workforce. Distribution is handled via a diverse network comprising in-house field sales teams, independent brokers, consultants, and an independent contractor agency sales force. Established in 1848, Unum Group maintains its headquarters in Chattanooga, Tennessee.
2026-09-13FMPFinancial Modeling Prep (FMP) company profile
Sector / industry (provider taxonomy)
Financial Services / Insurance - Life

The company's SEC filings classify it under SIC 6321 — Accident & Health Insurance.

2026-09-13FMPFinancial Modeling Prep (FMP) company profile
Revenue by segment
Unum US: $7.94B; Closed Block: $1.89B; Colonial Life: $2.01B; Unum International: $1.24B
2025-12-31FMPFinancial Modeling Prep (FMP) revenue segmentation, from the company's 10-K
Annual revenue and net result (USD millions)
Captured record · 5 entries
  • FY2025 — R&D: $0, Revenue: $13.05B, Period end: 2025-12-31, Net result: $738.50M
  • FY2024 — R&D: $0, Revenue: $12.79B, Period end: 2024-12-31, Net result: $1.78B
  • FY2023 — R&D: $0, Revenue: $12.31B, Period end: 2023-12-31, Net result: $1.28B
  • FY2022 — R&D: $0, Revenue: $11.88B, Period end: 2022-12-31, Net result: $1.41B
  • FY2021 — R&D: $0, Revenue: $11.84B, Period end: 2021-12-31, Net result: $981.00M
2025-12-31FMPFinancial Modeling Prep (FMP), from the company's 10-K income statements
Quarterly income statement (USD thousands)
Captured record · 8 entries
  • Quarter ended 2026-06-30 — EPS: $1.61 per share, SG&A: $0, EPS basic: $1.61 per share, EPS basis: diluted, Revenue: $3.29B, EPS diluted: $1.61 per share, Net result: $256.90M, Gross profit: $1.29B, Operating result: $329.50M
  • Quarter ended 2026-03-31 — EPS: $1.41 per share, SG&A: $1.05B, EPS basic: $1.41 per share, EPS basis: diluted, Revenue: $3.36B, EPS diluted: $1.41 per share, Net result: $232.00M, Gross profit: $1.35B, Operating result: $302.70M
  • Quarter ended 2025-12-31 — EPS: $1.04 per share, SG&A: $0, EPS basic: $1.04 per share, EPS basis: diluted, Revenue: $3.24B, EPS diluted: $1.04 per share, Net result: $174.10M, Gross profit: $1.35B, Operating result: $218.40M
  • Quarter ended 2025-09-30 — EPS: $0.23 per share, SG&A: $292.40M, EPS basic: $0.23 per share, EPS basis: diluted, Revenue: $3.36B, EPS diluted: $0.23 per share, Net result: $39.70M, Gross profit: $738.20M, Operating result: $54.50M
  • Quarter ended 2025-06-30 — EPS: $1.92 per share, SG&A: $292.00M, EPS basic: $1.93 per share, EPS basis: diluted, Revenue: $3.35B, EPS diluted: $1.92 per share, Net result: $335.60M, Gross profit: $1.07B, Operating result: $417.00M
  • Quarter ended 2025-03-31 — EPS: $1.06 per share, SG&A: $310.40M, EPS basic: $1.06 per share, EPS basis: diluted, Revenue: $3.08B, EPS diluted: $1.06 per share, Net result: $189.10M, Gross profit: $910.50M, Operating result: $243.60M
  • Quarter ended 2024-12-31 — EPS: $1.92 per share, SG&A: $270.30M, EPS basic: $1.93 per share, EPS basis: diluted, Revenue: $3.20B, EPS diluted: $1.92 per share, Net result: $348.70M, Gross profit: $1.05B, Operating result: $445.50M
  • Quarter ended 2024-09-30 — EPS: $3.46 per share, SG&A: $294.20M, EPS basic: $3.46 per share, EPS basis: diluted, Revenue: $3.20B, EPS diluted: $3.46 per share, Net result: $645.70M, Gross profit: $3.11B, Operating result: $886.40M
2026-06-30FMPFinancial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements
Operating cash flow by quarter (USD millions)
Captured record · 8 entries
  • Quarter ended 2026-06-30 — Capital expenditure: -$29.20M, Operating cash flow: $503.50M
  • Quarter ended 2026-03-31 — Capital expenditure: -$39.60M, Operating cash flow: $340.80M
  • Quarter ended 2025-12-31 — Capital expenditure: -$37.80M, Operating cash flow: $357.90M
  • Quarter ended 2025-09-30 — Capital expenditure: -$30.80M, Operating cash flow: -$371.80M
  • Quarter ended 2025-06-30 — Capital expenditure: -$27.90M, Operating cash flow: $348.00M
  • Quarter ended 2025-03-31 — Capital expenditure: -$35.80M, Operating cash flow: $353.60M
  • Quarter ended 2024-12-31 — Capital expenditure: -$32.00M, Operating cash flow: $485.80M
  • Quarter ended 2024-09-30 — Capital expenditure: -$37.70M, Operating cash flow: $390.00M
2026-06-30FMPFinancial Modeling Prep (FMP), from the company's 10-Q cash-flow statements
Named officers
CEO: Richard Paul McKenney; Officers: Lisa Gonzalez Iglesias — Title: Executive Vice President & General Counsel, Pay: $2.23M, Born: 1966; Stephen J. Mitchell — Title: Senior Vice President & President of Closed Block; Marco Forato — Title: Senior Vice President & Chief Strategy Officer; J. Matthew Royal — Title: Senior Vice President of Investor Relations & Treasury; Timothy Gerald Arnold — Title: Executive Vice President of Voluntary Benefits & President of Colonial Life, Pay: $2.05M, Born: 1963; Walter Lynn Rice Jr. — Title: Senior Vice President & Chief Accounting Officer, Born: 1970; Richard Paul McKenney — Title: President, Chief Executive Officer & Director, Pay: $13.73M, Born: 1969; Shelia Anderson — Title: Executive VP and Chief Information & Digital Officer, Pay: $1.26M, Born: 1965

Titles and pay come from the company's proxy statement as our provider parsed it.

2026-09-13FMPFinancial Modeling Prep (FMP) key executives (proxy-derived)
Reported versus estimated, last 8 quarters
Captured record · 8 entries
  • Reported 2026-07-28 — EPS actual: $2.16 per share, EPS estimated: $2.16 per share, Revenue actual: $2.90B, Revenue estimated: $2.90B
  • Reported 2026-04-28 — EPS actual: $2.14 per share, EPS estimated: $2.05 per share, Revenue actual: $3.36B, Revenue estimated: $2.91B
  • Reported 2026-02-05 — EPS actual: $1.92 per share, EPS estimated: $2.11 per share, Revenue actual: $3.24B, Revenue estimated: $3.29B
  • Reported 2025-11-03 — EPS actual: $2.09 per share, EPS estimated: $2.15 per share, Revenue actual: $3.36B, Revenue estimated: $3.33B
  • Reported 2025-07-29 — EPS actual: $2.07 per share, EPS estimated: $2.23 per share, Revenue actual: $3.36B, Revenue estimated: $3.33B
  • Reported 2025-04-29 — EPS actual: $2.04 per share, EPS estimated: $2.19 per share, Revenue actual: $3.08B, Revenue estimated: $3.34B
  • Reported 2025-02-04 — EPS actual: $2.03 per share, EPS estimated: $2.14 per share, Revenue actual: $3.24B, Revenue estimated: $3.29B
  • Reported 2024-10-29 — EPS actual: $2.13 per share, EPS estimated: $2.1 per share, Revenue actual: $3.20B, Revenue estimated: $3.26B
2026-07-28FMPFinancial Modeling Prep (FMP) earnings
Management outlook — dated call excerpts
Captured record · 2 entries
  • Call of 2026-07-29 — Quote: Given the impact of U.K. results on our international tax profile, we currently expect our effective tax rate to be approximately 22% for the remainder of 2026., Speaker: Steven Zabel
  • Call of 2026-07-29 — Quote: Accordingly, we expect to retain statutory earnings at Unum America rather than upstream in dividend, which may temporarily elevate our RBC ratio at the end of the third quarter. Our year-end capital expectations do remain unchanged, and we continue to expect to finish the year within our stated ranges for both RBC and holding company liquidity., Speaker: Steven Zabel

Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording.

2026-07-29OFFICIALCompany earnings call, transcript via Financial Modeling Prep (FMP)
Most recent periodic reports2026-07-29OFFICIALSEC EDGAR filer submissions
Cash, investments and debt
Total debt: $3.76B; Liquidity basis: cash and short-term investments; Total liabilities: $52.68B; Cash and short-term investments: $199.20M; Cash and investments: $43.90B; Long-term investments: $43.70B; Long-term investments classification: unclassified

Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability.

2026-06-30FMPFinancial Modeling Prep (FMP), from the company's balance sheet
Cash and investment components
Total basis: cash short and long-term investments; Total: $43.90B; Cash and short-term investments: $199.20M; Long-term investments: $43.70B; Long-term investments classification: unclassified

Sums the balance sheet's cash and short-term investments with its long-term investments.; The long-term investment field does not establish marketability; the sum is not a measure of available liquidity.; These provider fields do not establish investment access restrictions or explain differences from third-party cash figures.

2026-06-30COMPUTEDComputed from the balance sheet
Cash and short-term investments over time (USD millions)
Captured record · 8 entries
  • 2026-06-30 — Amount: $199.20M, Cash basis: cash and short-term investments
  • 2026-03-31 — Amount: $192.60M, Cash basis: cash and short-term investments
  • 2025-12-31 — Amount: $158.20M, Cash basis: cash and short-term investments
  • 2025-09-30 — Amount: $327.90M, Cash basis: cash and short-term investments
  • 2025-06-30 — Amount: $1.19B, Cash basis: cash and short-term investments
  • 2025-03-31 — Amount: $237.70M, Cash basis: cash and short-term investments
  • 2024-12-31 — Amount: $162.80M, Cash basis: cash and short-term investments
  • 2024-09-30 — Amount: $163.40M, Cash basis: cash and short-term investments
2026-06-30FMPFinancial Modeling Prep (FMP), from the company's quarterly balance sheets
Trailing twelve-month ratio set
Quick ratio: 17.97; Current ratio: 17.97; Debt to equity: 0.35; Net margin: 5.3%; Gross margin: 35.7%; Operating margin: 6.8%; Return on assets: 1.1%; Return on equity: 6.4%

Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero.

2026-09-13FMPFinancial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm
Distress and quality screens
Altman Z-score: 0.77; Piotroski F-score: 8

Altman Z below 1.8 is the conventional distress zone. The screen is built for manufacturers and industrials; for banks, insurers and property companies it is not a meaningful reading.

2026-09-13FMPFinancial Modeling Prep (FMP) financial scores
Next earnings report
Date: 2026-11-03; EPS estimate: $2.17 per share; Revenue estimate: $2.91B

The date is our provider's estimate until the company confirms it.

2026-09-13FMPFinancial Modeling Prep (FMP) earnings calendar
Analyst revenue and earnings estimates (average)
Captured record · 4 entries
  • FY2026 — EPS average: $8.67 per share, Revenue average: $11.81B, Revenue low: $11.58B, Revenue high: $12.43B, Analysts (revenue): 4
  • FY2027 — EPS average: $9.45 per share, Revenue average: $12.36B, Revenue low: $12.26B, Revenue high: $12.46B, Analysts (revenue): 4
  • FY2028 — EPS average: $10.53 per share, Revenue average: $13.11B, Revenue low: $12.67B, Revenue high: $14.41B, Analysts (revenue): 5
  • FY2029 — EPS average: $12.05 per share, Revenue average: $13.26B, Revenue low: $12.89B, Revenue high: $14.39B, Analysts (revenue): 2
2026-09-13FMPFinancial Modeling Prep (FMP) analyst estimates
Recent dividends paid
Captured record · 4 entries
  • Ex date: 2026-07-24, Payment date: 2026-08-14, Amount per share: $0.51
  • Ex date: 2026-04-24, Payment date: 2026-05-15, Amount per share: $0.46
  • Ex date: 2026-01-30, Payment date: 2026-02-20, Amount per share: $0.46
  • Ex date: 2025-10-24, Payment date: 2025-11-14, Amount per share: $0.46

Declared amounts per share on their ex-dates. A single payment does not establish an annual rate, and a special dividend is not separated here.

2026-07-24FMPFinancial Modeling Prep (FMP) dividend history
Insider transactions, last 180 days
Net shares: 197; Window days: 180; Price low: $80.14; Clustered days: 2026-05-26; Price high: $94.44; Buy transactions: 0; Distinct insiders: 15; Sell transactions: 4; Other transactions: 16; Total transactions: 20; Other transaction types: G-Gift: 1, A-Award: 13, F-InKind: 2; Unknown direction transactions: 0

Purchase and sale counts require explicit provider transaction types, without a conflicting acquisition/disposition direction. Other transactions retain their provider type; awards, exercises, gifts and in-kind transactions are not counted as purchases or sales. Net shares sums acquired minus disposed shares across direction-known records, including other transaction types; unknown directions are excluded. It is not net purchases or a verified change in beneficial ownership. Named-insider counts, same-day clusters and positive reported prices cover all retained records. Filing dates are used only when transaction dates are absent. Neither timing nor price establishes motive or whether a transaction was on the open market.

2026-09-10FMPFinancial Modeling Prep (FMP) insider transactions, from Form 4 filings
Data Sources & Methodology
Figures come from Financial Modeling Prep (FMP). If FMP has no figure for a ticker, a price or fundamental may come from a Yahoo Finance fallback, or a price from an Alpaca fallback. SEC EDGAR is used only for filing links and company identity details (legal name, address), never for figures. AI analysis by Stock Expert AI proprietary algorithms. Technical indicators via industry-standard calculations. Last updated: .
Data Provenance
Sources: Financial Modeling Prep (FMP) — Primary · Yahoo Finance — Fallback · Alpaca — Tertiary
Last fetched:
Cache TTL: Quote 5min · Profile 7d · Financials 7d · Insider 48h
How we use AI: Numbers are pulled directly from FMP & Yahoo Finance — our AI writes the analysis, it never edits the figures.
Data provided as-is for educational purposes. Not financial advice. Methodology

Data provided for informational purposes only.