Unum Group (UUM) Stock Price & Analysis
UUM Stock Chart & Stats
- Day’s Range
- N/A
- 52-Week Range
- N/A
- Previous Close
- N/A
- Volume
- N/A
- Average Volume (3M)
- N/A
- Market Cap
- CHF 11.73B
- Enterprise Value
- CHF 17.68B
- Total Cash (Recent Filing)
- CHF 34.99B
- Total Debt (Recent Filing)
- CHF 3.77B
- Price to Earnings (P/E)
- 53.0
- Beta
- 0.35
- Next Earnings
- Feb 02, 2027 (Est.)
- EPS Estimate
- 1.64
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 2.06%
Bulls Say, Bears Say
Bulls Say
Strong Cash Generation
TTM operating cash flow of about $1.76 billion and free cash flow of about $1.63 billion provide substantial internal funding for claims, investment, shareholder returns, and strategic initiatives. Strong cash conversion relative to earnings also supports the quality of reported earnings.
Capital And Liquidity Strength
A 485% risk-based capital ratio and $1.4 billion of holding-company liquidity provide a meaningful buffer against adverse claims development and support financial flexibility. This capital position also gives Unum capacity to maintain operations, invest in the business, and return capital.
Premium Growth And Customer Retention
Broad-based core premium growth near 5% indicates continued demand for Unum's workplace benefits and supports a durable recurring revenue base. Management's maintained 4%-7% outlook suggests the company expects this momentum to persist beyond a single quarter.
Bears Say
Material Profitability Deterioration
The sharp compression in net margin and decline in revenue show that Unum's current earnings power is materially weaker than in prior years. If sustained, lower profitability can reduce capital available for growth and shareholder returns while making results more sensitive to claims and reserve movements.
Elevated Disability Claims Pressure
Higher-than-expected long-term disability submissions are directly pressuring benefit ratios and earnings, particularly because behavioral-health claims had not reverted early in the fourth quarter. Uncertainty about persistence and eventual paid claims creates ongoing risk to near-term underwriting profitability.
Closed-Block And Reinsurance Accounting Burden
Recurring amortization, reserve, and noncontemporaneous reinsurance effects can keep reported earnings volatile even as Unum reduces long-term-care exposure. The size of the expected quarterly accounting burden may obscure underlying performance and constrain the predictability of results.
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Unum Group Stock Smart Score
Company Description
Unum Group
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.
- Sector
- Financial
- Industry
- Insurance - Life
- CEO
- Richard Paul McKenney
- Employees
- 10,797
- Website
- www.unum.com
- Address
- 1 Fountain Square, Chattanooga, TN, 37402, US
Unum Group (UUM) Earnings & Revenues
UUM Earnings Call
Earnings Call SentimentNeutral
The call was mixed. The company reported solid premium growth, strong persistency, improving Colonial Life and supplemental results, substantial long-term care risk reduction, strong capital levels, and planned shareholder returns. However, these positives were offset by an earnings shortfall, materially higher US disability benefit ratios, elevated and uncertain long-term disability submissions, weaker UK results, and significant closed-block GAAP and ongoing accounting impacts.
View all CH:UUM earnings summaries