UNM · Unum Group
Market Cap
$14.73B
Shares
158.31M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$93.05
Open$92.91
Day$91.94–93.45
52W close$69.32–93.33
Avg vol 30d1.4M
Short int3.4M · 2.1% float · 2.5d
Short vol62%
Last earningsJul 29, 2026
DataJan 2020–Aug 2026
Filing10-Q · Jul 29
Up next
Next earnings call
Oct 30, 2026
Est · unconfirmed
· in 9 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
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Strong Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Weak
Quant / Vol
Very Low
Market backdrop
VIX 14.4 · calm
Equity put/call 0.62
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+15%
above
Price vs 50-day avg
+4%
above
RSI (14)
60
neutral
MACD trend
Positive
52-week position
99%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+8%
trailing
6-month return
+28%
trailing
YTD return
+20%
this year
Relative strength
+14%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $89 › 200d $81 — 50d above 200d
Institutional flow
Accumulating
+8% holders QoQ · +121 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
2.14% of float · ▲ +14.5% MoM · 2.5 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
758 holders — near 3-yr high, broad support
Squeeze score
53
elevated · 0–100
Fundamentals
Revenue growth
+1%
Y/Y
EPS growth
−55%
Y/Y
Free cash flow
$555.4M
Valuation
P/E 21.6
rich
Buyback
$1.0B
authorized
Balance sheet
$3.6B
net debt
Quant / Vol
risk profile
Volatility
23%
annualized · 1-yr
Max drawdown
−12%
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 8-K filed Jul 28, 2026
After-tax adjusted operating income per share
· Full-year 2026
Non-GAAP
Initiated
$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
+15%
Bullish
Price vs 50-day avg
+4%
Bullish
RSI (14)
60
Neutral
MACD trend
Positive
Bullish
52-week position
99%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross)
No cross
50d $89 › 200d $81 — 50d above 200d
Institutional flow
Accumulating
+8% holders QoQ · +121 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
2.14% of float · ▲ +14.5% MoM · 2.5 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
758 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $69
Now $93 · 99%
Range high $93
vs 200-day avg +15%
vs 50-day avg +4%
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 | — |
|
|
|||
| 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 | — |
| 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 | — |
| 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 | — |
|
|
|||
| 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 Colonial Life segment | 78.2% | the first half of 2026 | — |
| 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 | — |
|
|
|||
| 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 | — |
| Unum US Sales | $281.8M | the second quarter | — |
| Unum US segment adjusted operating income non-GAAP | $329.6M | the second quarter | — |
| Weighted average number of shares outstanding, assuming dilution | 160M | the second quarter of 2026 | — |
|
|
|||
| weighted average risk-based capital ratio | 480% | the second quarter | — |
| year-to-date capital return | $750M | year-to-date | — |
| year-to-date share repurchases | $600M | year-to-date | — |
| Adjusted Operating Return on Equity - Colonial Life non-GAAP | 19.2% | Three Months Ended March 31, 2026 | — |
| Adjusted Operating Return on Equity - Core Operating Segments non-GAAP | 21.7% | Three Months Ended March 31, 2026 | — |
| Adjusted Operating Return on Equity - Unum International non-GAAP | 10.9% | Three Months Ended March 31, 2026 | — |
| Adjusted Operating Return on Equity - Unum US non-GAAP | 25% | Three Months Ended March 31, 2026 | — |
|
|
|||
| After-tax Segment Adjusted Operating Income non-GAAP | $236M | Three Months Ended March 31, 2026 | — |
| Average Adjusted Stockholders' Equity non-GAAP | $12.34B | Three Months Ended 3/31/2026 | — |
| Persistency: Group Long-term Disability | 92.2% | Three Months Ended 3/31/2026 | — |
| Sales growth | 14.4% | first quarter of 2026 | — |
| Segment Adjusted Operating Income non-GAAP | $307.7M | Three Months Ended March 31, 2026 | — |
| Shares repurchased | 5.4M | first quarter of 2026 | — |
| Total Segment Adjusted Operating Revenue non-GAAP | $3.36B | Three Months Ended March 31, 2026 | — |
| % lifetime benefit by lives count | 8% | As of 9/30/2025 | — |
| Accidental death and dismemberment product line persistency | 89.1% | full year 2025 | — |
| Adjusted Operating EPS non-GAAP | $8.13 | FY-25 | — |
| Adjusted Operating Income Closed Block non-GAAP | $63.5M | Year Ended 12/31/2025 | — |
| Adjusted Operating Income Colonial Life non-GAAP | $463.6M | Year Ended 12/31/2025 | — |
| Adjusted Operating Income Ratio Closed Block non-GAAP | 7.7% | Year Ended 12/31/2025 | — |
| Adjusted Operating Income Ratio Unum UK non-GAAP | 16% | Year Ended 12/31/2025 | — |
| Adjusted Operating Income Ratio Unum US non-GAAP | 25.3% | Year Ended 12/31/2025 | — |
| Adjusted Operating Income Unum International non-GAAP | $152.3M | Year Ended 12/31/2025 | — |
| Adjusted Operating Income Unum UK non-GAAP | £107.5M | Year Ended 12/31/2025 | — |
| Adjusted operating loss non-GAAP | $51.1M | fourth quarter of 2025 | — |
| Adjusted Operating Loss Corporate non-GAAP | -$171.6M | Year Ended 12/31/2025 | — |
| Adjusted Operating Return on Equity - Consolidated non-GAAP | 11.1% | Year Ended December 31, 2025 | — |
| Adjusted Operating Revenue non-GAAP | $13.17B | Year Ended December 31, 2025 | — |
| Adjusted Stockholders' Equity non-GAAP | $12.47B | 12/31/2025 | — |
| Average attained age of ALR | 59 | As of 9/30/2025 | — |
| Average attained age of DLR | 83 | As of 9/30/2025 | — |
| Average benefit period (non-lifetime) | 3.1 | As of 9/30/2025 | — |
| Average Duration non-GAAP | 8.42 | 12/31/2025 | — |
| Average elimination period (days) | 89 | As of 9/30/2025 | — |
| Avg annual premiums/insured | $766 | As of 9/30/2025 | — |
| Avg inflated daily benefit | $131 | As of 9/30/2025 | — |
| Benefit Ratio | 61.1% | Three Months Ended 12/31/2025 | — |
| Benefit Ratio Dental and Vision non-GAAP | 75.6% | Year Ended 12/31/2025 | — |
| Benefit Ratio Individual Disability non-GAAP | 38.8% | Year Ended 12/31/2025 | — |
| Benefit Ratio Unum UK non-GAAP | 73.5% | Year Ended 12/31/2025 | — |
| Benefit Ratio Voluntary Benefits non-GAAP | 45.7% | Year Ended 12/31/2025 | — |
| Book Value per Share (excluding AOCI) | $78.02 | FY-25 | — |
| Colonial Life adjusted operating income non-GAAP | $113.9M | the fourth quarter of 2025 | — |
| Colonial Life sales | $203.9M | the fourth quarter of 2025 | — |
| Core Operations Premium Growth | 4.4% | FY-25 | — |
| core operations premium growth on a constant currency basis non-GAAP | 3.7% | full-year 2025 | — |
| Corporate adjusted operating loss non-GAAP | $51.1M | the fourth quarter of 2025 | — |
| Dental and vision product line sales | $45.9M | the fourth quarter of 2025 | — |
| Dividends Paid | $307.2M | Year Ended December 31, 2025 | — |
| Effective tax rate on adjusted operating income non-GAAP | 21% | full year 2025 | — |
| Group life and accidental death and dismemberment product sales | $206.8M | the fourth quarter of 2025 | — |
| Group life product line persistency | 90.2% | full year 2025 | — |
| Group long-term disability persistency | 91.1% | full year 2025 | — |
| Group long-term disability sales | $127.2M | the fourth quarter of 2025 | — |
| Historical Redefined After-tax Adjusted Operating Income non-GAAP | $1.41B | Year Ended December 31, 2025 | — |
| Historical Redefined After-tax Adjusted Operating Income per share non-GAAP | $8.13 | Year Ended December 31, 2025 | — |
| Income Ratio Unum US non-GAAP | 27.8% | Year Ended 12/31/2025 | — |
| Individual disability product line persistency | 87.7% | full year 2025 | — |
| Individual disability product line sales | $24.2M | the fourth quarter of 2025 | — |
| Net premium ratio for long-term care | 97.5% | the fourth quarter of 2025 | — |
| Number of claims incurred | 70,452 | As of 9/30/2025 | — |
| Number of insureds | 835,000 | As of 9/30/2025 | — |
| Other Expense Ratio | 22.8% | Three Months Ended 12/31/2025 | — |
| Other Expense Ratio Unum US non-GAAP | 22.2% | Year Ended 12/31/2025 | — |
| Persistency | 83.3% | Year Ended 12/31/2025 | — |
| Persistency Group Life Unum UK non-GAAP | 90.1% | Year Ended 12/31/2025 | — |
| Persistency Group Long-term Disability Unum UK non-GAAP | 92.3% | Year Ended 12/31/2025 | — |
| Persistency in Colonial Life | 78.4% | full year 2025 | — |
| Persistency in the group life product line | 90.1% | full year 2025 | — |
| Redefined After-tax Adjusted Operating Income non-GAAP | $1.37B | Year Ended December 31, 2025 | — |
| Redefined After-tax Adjusted Operating Income per share non-GAAP | $7.93 | Year Ended December 31, 2025 | — |
| share repurchase | $1B | full-year 2025 | — |
| Total Stockholders' Equity, Excluding Accumulated Other Comprehensive Loss non-GAAP | $12.93B | 12/31/2025 | — |
| Unum International adjusted operating income non-GAAP | $33.2M | the fourth quarter of 2025 | — |
| Unum International sales | $45.6M | the fourth quarter of 2025 | — |
| Unum US adjusted operating income non-GAAP | $289.7M | the fourth quarter of 2025 | — |
| Voluntary benefits product line persistency | 76.5% | full year 2025 | — |
| Weighted Average Pound/Dollar Exchange Rate non-GAAP | 1.32 | Year Ended 12/31/2025 | — |
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
|
$14.73B | +20.1% | +1.5% | 21.6 | 2.1% |
|
CILJF
China Life Insurance Co Ltd
|
$105.99B | +8.7% | — | — | 0.0% |
|
MFC
Manulife Financial Corp
|
$71.06B | +17.9% | — | — | 1.3% |
|
MET
Metlife Inc
|
$61.33B | +22.3% | +8.6% | 18.5 | 1.8% |
|
AFL
Aflac Inc
|
$58.42B | +5.7% | -9.3% | 12.6 | 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
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| UNM | +6.0% | +8.1% | +27.6% | +8.1% | +20.1% |
| SPY | +0.5% | +3.0% | +13.4% | +3.0% | +12.8% |
| vs SPY | +5.6% | +5.1% | +14.1% | +5.1% | +7.2% |
Capital returns
Latest dividend
$0.505
/ share · ex Jul 24, 2026
Paid (TTM)
$1.885
/ share · 4 payouts
Dividend yield (TTM, derived)
2.03%
Buyback program
· as of Aug 26, 2026
Authorized
$1.00B
Spent (derived)
—
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)
521 filings
494 filers
Visit website
Investor relations