Unum Group stock
UNMNYSEFinancial ServicesISIN US91529Y1064
50Score 50 out of 100, Neutral
Price and trend
50 / 100
Price history
+2.3% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 6.0% below it.
Since May 2026 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 32).
The price is 18% below its 52-week high. Largest decline in 20 years: 82% (January 2018 to March 2020).
Chart figures for advanced users
- SMA 50$90.35
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$84.18
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)32
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$70.66
- The lowest closing price of the last twelve months.
- Resistance$96.57
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Unum Group belongs to the Insurance (Life) industry (United States) and, with a market value of $12.26B, is number 19 of 33 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $13.05B (up 2.1% year on year) and earnings of $738.5M (down 58.5%).
- For fiscal 2026, analysts expect on average revenue of $12.04B (down 7.7%) and adjusted earnings per share of $8.53 (up 5%).
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- MEQIRI Score 50 out of 100 (Neutral): rank 862 of 976 in Financial Services, median 68.
- Our model puts fair value at $133.84, with the price 39% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Reliable dividendNo dividend cut for 23 years.Capital allocation 65
- Share buybacksShare count down 15% since 2020.Capital allocation 65
- Consistently profitableProfit in all 10 fiscal years from 2016 to 2025.Fundamentals 64
Weaknesses
- Margin fallingOperating margin 7.2%, average of the prior years 13.3% (to 2024).Profitability 18
- Low return on equityReturn on equity 2.2% over the last 12 months.Profitability 18
Its standout strengths are valuation and stability, while profitability and growth hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
The fundamentals are in the middle range.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among smaller stocks.
From 2016 to 2025, 14 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What lowers it
- low growth grade (crashed less often in the backtest)
Valuation
Valuation signal
Possible value trapClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $102.96 and expensive above $191.21 (uncertainty medium, based on the price swings of the past year).
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $111.54, at 7.8% it would be $167.31.
Possible value trap: looks cheap, but weak growth.
Valuation metrics
From the excess return model alone; the profit includes one-off items, so there is no industry value.
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue fell 4.2% on the twelve months before. Revenue has stayed largely stable since 2006.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 7%, net 6%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 2 Feb 2027in 82 days
- Last reported
- 3 Nov 2026EPS reported $2.20 (expected $2.16)in line with expectations
Analyst estimates
Analysts have cut their 2027 earnings estimate by 4.3% since 15 Oct 2026. Falling estimates often precede bad news.
- Earnings per share
- $8.53−1.5%
- Revenue
- $12.04B+1.5%
- Earnings per share
- $9.03−4.3%
- Revenue
- $12.61B+1.6%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: −1.3%Guidance reaffirmed: 2026 after-tax adjusted operating income per share of $8.60 to $8.90, despite expected pressure in two lines in the second half.
“As a result, despite the expectation for pressure in those 2 lines in the second half of 2026, we are reaffirming our full year outlook for after-tax adjusted operating income per share of $8.60 to $8.90.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 29 Jul 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. 3 insiders sold, $988,394 in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Unum Group
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 50
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Insurance (Life)
The next larger and next smaller companies by market value
- SBI Life InsuranceSBILIFE.NS $18.92B59
- KGI Financial Holding2883.TW $18.55B71
- T&D Holdings8795.T $14.93B68
- HDFC Life InsuranceHDFCLIFE.NS $13.3B52
- Globe LifeGL $12.21B79
- Japan Post Insurance7181.T $12.13B59
- Voya FinancialVOYA $9.26B63
- Jackson FinancialJXN $9.21B61
ETFs that hold Unum Group
Held by 18 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| iShares Dow Jones U.S. Select Dividend UCITS ETF (DE)EXX5 | 0.88% | 0.31% | €415.03M |
| iShares Ageing Population UCITS ETF2B77 | 0.43% | 0.40% | €807M |
| State Street SPDR S&P 400 U.S. Mid Cap UCITS ETF (Acc)SPY4 | 0.32% | 0.30% | €5.27B |
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| State Street SPDR MSCI USA Small Cap Value Weighted UCITS ETFZPRV | 0.31% | 0.30% | €944.34M |
| iShares MSCI USA Small Cap CTB Enhanced ESG UCITS ETFSXRG | 0.26% | 0.43% | €2.48B |
| iShares MSCI World Small Cap CTB Enhanced ESG UCITS ETFCBUG | 0.21% | 0.35% | €434.1M |
| Invesco Global Buyback Achievers UCITS ETFBBCK | 0.18% | 0.39% | €188.08M |
| Invesco Global Active ESG Equity UCITS ETF USD AccIQSA | 0.12% | 0.30% | €3.12B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral since 10 Nov 2026, previously Weak
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.