UNM · Unum Group
$87.58
-2.19 (-2.44%)
At close · Aug 19
Market Cap
$14.21B
Shares
158.31M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$89.77
Open$92.60
Day$89.75–92.78
52W close$68.58–93.33
Avg vol 30d1.4M
Short int3.0M · 1.9% float · 1.9d
Short vol49%
Last earningsJul 29, 2026
DataJan 2020–Aug 2026
Filing10-Q · Jul 29
Up next
Next earnings call
Oct 30, 2026
Est · unconfirmed
· in 10 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Jul 29, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Strong Buy
Momentum
Very Strong
Sentiment
Bullish
Fundamentals
Weak
Quant / Vol
Very Low
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+12%
above
Price vs 50-day avg
+0%
above
RSI (14)
50
neutral
MACD trend
Positive
52-week position
86%
near high
Momentum
relative strength
1-month return
+2%
trailing
6-month return
+24%
trailing
YTD return
+16%
this year
Relative strength
+13%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $90 › 200d $80 — 50d above 200d
Institutional flow
Accumulating
+7% holders QoQ · +121 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
1.87% of float · ▼ -0.8% MoM · 1.9 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
755 holders — near 3-yr high, broad support
Squeeze score
52
elevated · 0–100
Fundamentals
Revenue growth
+1%
Y/Y
EPS growth
−55%
Y/Y
Free cash flow
$555.4M
Valuation
P/E 20.8
rich
Buyback
$1.0B
authorized
Balance sheet
$3.8B
net debt
Quant / Vol
risk profile
Volatility
23%
annualized · 1-yr
Max drawdown
−12%
past year
ATR
2.6%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the 8-K filed Jul 28, 2026
After-tax adjusted operating income per share
· Full-year 2026
Non-GAAP
$8.60 – $8.90
Prior guidance
period ended
· from the Earnings Call filed Jun 30, 2025
Full-year EPS
· full-year
$8.50
After-tax adjusted operating earnings per share
· 2025
$8.50
Core operations premium growth
· full year
3% – 6%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Strong Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+12%
Bullish
Price vs 50-day avg
+0%
Bullish
RSI (14)
50
Neutral
MACD trend
Positive
Bullish
52-week position
86%
Bullish
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $90 › 200d $80 — 50d above 200d
Institutional flow
Accumulating
+7% holders QoQ · +121 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
1.87% of float · ▼ -0.8% MoM · 1.9 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
755 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $69
Now $90 · 86%
Range high $93
vs 200-day avg +12%
vs 50-day avg +0%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| achievement of our current premium rate approval program | 15% | the second quarter | — |
| Adjusted Operating Return on Equity non-GAAP | 21.6% | Six Months Ended June 30, 2026 | — |
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| after-tax adjusted operating income non-GAAP | $346M | the second quarter | — |
| After-Tax Adjusted Operating Income per share non-GAAP | $2.16 | Three Months Ended June 30, 2026 | — |
| Available holding company liquidity | $1.54B | At June 30, 2026 | — |
| Average Duration (in years) non-GAAP | 8.3 | 6/30/2026 | — |
| Book value per common share | $68.28 | as of June 30, 2026 | — |
| Book value per common share excluding AOCI non-GAAP | $80.1 | as of June 30, 2026 | — |
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| Closed Block segment adjusted operating loss non-GAAP | $75.4M | the second quarter | — |
| Colonial Life Persistency | 78.2% | the first half | — |
| Colonial Life segment adjusted operating income non-GAAP | $131.4M | the second quarter | — |
| common stock dividends | $73.5M | the second quarter | — |
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| Common Stock Dividends Paid Per Share | $0.92 | Three Months Ended 6/30/2026 | — |
| Corporate segment adjusted operating loss non-GAAP | $44.5M | the second quarter | — |
| Cost of Shares Repurchased | $202.1M | Three Months Ended 6/30/2026 | — |
| dividends | $150M | year-to-date | — |
| Earned Book Yield non-GAAP | 4.23% | 6/30/2026 | — |
| Effective income tax rate non-GAAP | 21.5% | the second quarter of 2026 | — |
| Fairwind statutory reserves and excess capital above our best estimate reserves | $2.2B | the second quarter | — |
| Group short-term disability persistency | 91.1% | the first half | — |
| holding company liquidity | $1.5B | the second quarter | — |
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| Leverage Ratio non-GAAP | 23.9% | June 30, 2026 | — |
| Net premium ratio | 97.8% | as of March 31, 2026 | — |
| Persistency - Cancer and Critical Illness non-GAAP | 81.2% | Six Months Ended 6/30/2026 | — |
| Persistency in the accidental death and dismemberment product line | 92% | the first half | — |
| Persistency in the dental and vision product line | 78.9% | the first half | — |
| Persistency in the group long-term disability product line | 90.4% | the first half of 2026 | — |
| Persistency in the individual disability product line | 87.8% | the first half | — |
| Persistency in the supplemental product line | 92.8% | the first half of 2026 | — |
| Persistency in the voluntary benefits product line | 76% | the first half | — |
| premium growth on a constant currency basis | 3.6% | the second quarter | — |
|
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| Premium Income in Constant Currency non-GAAP | $538.5M | Six Months Ended June 30, 2026 | — |
| Shares outstanding | 158.3M | June 30, 2026 | — |
| traditional U.S. life insurance company statutory operating earnings | $330.9M | the second quarter | — |
| Unum International segment adjusted operating income non-GAAP | $24.3M | the second quarter | — |
| Unum US benefit ratio | 65.8% | the second quarter | — |
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| Unum US Sales | $281.8M | the second quarter | — |
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| Unum US segment adjusted operating income non-GAAP | $329.6M | the second quarter | — |
|
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| Weighted average number of shares outstanding, assuming dilution | 160M | the second quarter of 2026 | — |
| weighted average risk-based capital ratio | 480% | the second quarter | — |
|
|
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| year-to-date capital return | $750M | year-to-date | — |
| year-to-date share repurchases | $600M | year-to-date | — |
| Group long-term disability persistency | 92.2% | first three months of 2026 | — |
| Sales growth on a constant currency basis | 14.4% | first quarter of 2026 | — |
| Shares repurchased | $400M | first quarter of 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Insurance - Life — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
UNM
this stock
Unum Group
|
$14.21B | +15.8% | +1.5% | 20.8 | 1.9% |
|
CILJF
China Life Insurance Co Ltd
|
$97.80B | +0.6% | — | — | 0.0% |
|
MFC
Manulife Financial Corp
|
$73.51B | +21.4% | — | — | 0.8% |
|
MET
Metlife Inc
|
$61.44B | +22.5% | +8.6% | 18.5 | 1.8% |
|
AFL
Aflac Inc
|
$61.03B | +5.7% | -9.3% | 13.1 | 2.5% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| UNM | -0.1% | +1.6% | +23.9% | +4.3% | +15.8% |
| SPY | -0.4% | +2.6% | +10.7% | +2.7% | +12.5% |
| vs SPY | +0.3% | -1.0% | +13.1% | +1.5% | +3.3% |
Capital returns
Latest dividend
$0.505
/ share · ex Jul 24, 2026
Paid (TTM)
$1.885
/ share · 4 payouts
Dividend yield (TTM, derived)
2.10%
Buyback program
· as of Jun 30, 2026
Authorized
$1.00B
Spent (derived)
$1.00B
Remaining
$0
Spent
Remaining
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
5513
CUSIP
91529Y106
13F (30d)
664 filings
649 filers
Visit website
Investor relations