UNM
Unum Group
$89.41
+1.91 (+2.18%)
At close · Jul 13
Market Cap
$14.29B
Shares
159,776,235
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$89.41
Open$88.23
Day$87.75–89.54
52W$67.46–93.21
Avg vol 30d1.4M
Short int2.9M · 1.8% float · 1.6d
Short vol44%
Last earningsApr 28, 2026
DataJan 2020–Jul 2026
Filing10-Q · Apr 29
Up next
Next earnings call
Jul 30, 2026
Est · unconfirmed
· in 2 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Apr 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
Equibles Rating
blended score · not investment advice
Overall
Buy
SellHoldBuy
Technical
Buy
Momentum
Strong
Sentiment
Neutral
Fundamentals
Weak
Quant / Vol
Moderate
Market backdrop
VIX 17.2 · elevated
Equity put/call 0.67
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+14%
above
Price vs 50-day avg
+4%
above
RSI (14)
53
neutral
MACD trend
Negative
52-week position
85%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−3%
trailing
6-month return
+18%
trailing
YTD return
+16%
this year
Relative strength
+10%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $86 › 200d $78 — 50d above 200d
Institutional flow
Accumulating
45 of 696 funds reported for Jun 30 · net +118.1K sh shares · +6 new
Insider flow
Distributing
Net -$961.7K over 90 days · 100% sells
Short interest
Falling
1.80% of float · ▼ -12.0% MoM · 1.6 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
696 holders — mid 3-yr range
Squeeze score
44
elevated · 0–100
Fundamentals
Revenue growth
+1%
Y/Y
EPS growth
−55%
Y/Y
Free cash flow
$555.4M
Valuation
P/E 19.4
rich
Buyback
$1.0B
authorized
Balance sheet
$3.8B
net debt
Quant / Vol
risk profile
Volatility
25%
annualized · 1-yr
Max drawdown
−15%
past year
ATR
2.3%
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 Earnings Call filed Mar 31, 2026
Top line growth
· 2026
Initiated
4% – 7%
EPS growth
· 2026
Maintained
8% – 12%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+14%
Bullish
Price vs 50-day avg
+4%
Bullish
RSI (14)
53
Neutral
MACD trend
Negative
Bearish
52-week position
85%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross)
No cross
50d $86 › 200d $78 — 50d above 200d
Institutional flow
Accumulating
45 of 696 funds reported for Jun 30 · net +118.1K sh shares · +6 new
Insider flow
Distributing
Net -$961.7K over 90 days · 100% sells
Short interest
Falling
1.80% of float · ▼ -12.0% MoM · 1.6 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
696 holders — mid 3-yr range
Price context
position in its 52-week range
52-wk low $67
Now $89 · 85%
52-wk high $93
vs 200-day avg +14%
vs 50-day avg +4%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| adjusted operating return on equity non-GAAP | 21.7% | first quarter of 2026 | — |
| book value per common share | $67.76 | first quarter of 2026 | — |
| common stock dividends | $78.4M | first quarter of 2026 | — |
| holding company liquidity | $1.7B | first quarter of 2026 | — |
|
|
|||
| Persistency in the group long-term disability product line | 92.2% | first three months of 2026 | — |
| Persistency in the group short-term disability product line | 90.7% | first three months of 2026 | — |
| premium growth on a constant currency basis | 3.9% | first quarter of 2026 | — |
| sales growth on a constant currency basis | 14.4% | first quarter of 2026 | — |
| shares repurchased | $400M | first quarter of 2026 | — |
| weighted average risk-based capital ratio | 460% | first quarter of 2026 | — |
|
|
|||
| after-tax adjusted operating EPS non-GAAP | $2.14 | the first quarter of 2026 call | — |
| core operations sales growth | 14.4% | the first quarter of 2026 call | — |
| core premium growth | 3.9% | the first quarter of 2026 call | — |
| dividends paid | $78M | the first quarter of 2026 call | — |
| fair wind protection | $2.2B | the first quarter of 2026 call | — |
| group disability adjusted operating earnings non-GAAP | $106.6M | the first quarter of 2026 call | — |
| group disability benefit ratio | 63.7% | the first quarter of 2026 call | — |
| Group Life and AD&D adjusted operating income non-GAAP | $115.1M | the first quarter of 2026 call | — |
| Group Life and AD&D benefit ratio | 61.8% | the first quarter of 2026 call | — |
| group LTC cases closed | 7% | the first quarter of 2026 call | — |
| group persistency | 92% | the first quarter of 2026 call | — |
| RBC ratio | 460% | the first quarter of 2026 call | — |
| share repurchases | $400M | the first quarter of 2026 call | — |
| supplemental and voluntary adjusted operating earnings non-GAAP | $116.2M | the first quarter of 2026 call | — |
| supplemental and voluntary sales growth | 20% | the first quarter of 2026 call | — |
| total group persistency | 92% | the first quarter of 2026 call | — |
| U.S. group sales growth | 22% | the first quarter of 2026 call | — |
| Unum International adjusted operating income non-GAAP | $30.9M | the first quarter of 2026 call | — |
| Unum International benefit ratio | 71% | the first quarter of 2026 call | — |
| Unum US adjusted operating income non-GAAP | $337.9M | the first quarter of 2026 call | — |
|
|
|||
| Unum US before tax earnings | $338M | the first quarter of 2026 call | — |
| Unum US premium growth | 3.3% | the first quarter of 2026 call | — |
| Unum US quarterly sales | $335.1M | the first quarter of 2026 call | — |
| Unum US ROE | 25% | the first quarter of 2026 call | — |
| Capital returned to shareholders | $1.3B | full-year 2025 | — |
| Core operations premium growth non-GAAP | 3.7% | full-year 2025 | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
Versus peers
Insurance - Life — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
UNM
this stock
Unum Group
|
$14.29B | +16.1% | +1.5% | 19.4 | 1.8% |
|
CILJF
China Life Insurance Co Ltd
|
$98.93B | +1.7% | — | — | 0.0% |
|
MFC
Manulife Financial Corp
|
$68.78B | +14.9% | — | — | 0.4% |
|
AFL
Aflac Inc
|
$62.76B | +12.4% | -9.3% | 14.1 | 2.5% |
|
MET
Metlife Inc
|
$59.60B | +18.7% | +8.6% | 17.9 | 2.2% |
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
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| UNM | -0.1% | -2.5% | +18.2% | +0.0% | +16.1% |
| SPY | -0.3% | +1.6% | +8.3% | +0.3% | +9.9% |
| vs SPY | +0.2% | -4.1% | +9.9% | -0.3% | +6.2% |
Capital returns
Latest dividend
$0.46
/ share · ex Apr 24, 2026
Paid (TTM)
$1.84
/ share · 4 payouts
Dividend yield (TTM, derived)
2.06%
Buyback program
· as of Mar 31, 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.