UUM Stock Chart & Stats
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Bulls Say, Bears Say
Bulls Say
Capitalization & LeverageUnum’s controlled leverage and sizable equity base provide durable balance-sheet resilience. With debt-to-equity near 0.3–0.4 and strong capital metrics, the firm is positioned to absorb underwriting volatility, maintain regulatory ratios, and fund ongoing business operations and capital returns over the intermediate term.
Cash Generation & Free Cash FlowConsistent operating cash flow and robust free cash flow that equals a high share of reported earnings underpin long-term financial flexibility. Reliable FCF supports dividends, buybacks and reserve funding, reducing reliance on external financing and enabling strategic investments across the 2–6 month horizon.
Closed-block LTC Risk Reduction Via ReinsuranceMaterial reinsurance transactions have meaningfully shrunk legacy long-term care reserve exposure, cutting sensitivity to adverse LTC assumptions. This structural de-risking reduces reserve volatility, lowers capital strain from legacy blocks, and lets management focus capital and underwriting on core employer benefits.
Bears Say
Sharp TTM Revenue And Margin DeclineA steep trailing‑twelve‑month revenue drop and compressed margins signal weakened near‑term earnings power and lower operating leverage. If persistent, this erosion can pressure ROE, reduce internal capital generation, and force tradeoffs between underwriting investments, pricing actions and shareholder distributions in the medium term.
PFML & Short-term Disability PressureElevated paid‑family & medical leave and short‑term disability claims have raised benefit ratios materially. Even with pricing and underwriting actions, incidence and benefit trends can persist through payroll cycles, creating a durable underwriting headwind that weighs on group disability margins and near‑term profitability.
U.K. Group Income Protection UnderperformanceSustained higher claim severity and weaker sales in the U.K. reduce international profitability and may raise the company’s effective tax profile. Fixing underwriting and pricing in this market can take multiple quarters, leaving a persistent drag on consolidated earnings and returns until experience normalizes or actions fully take effect.
Unum Group News
UUM FAQ
What was Unum Group’s price range in the past 12 months?
Currently, no data Available
What is Unum Group’s market cap?
Unum Group’s market cap is CHF11.01B.
When is Unum Group’s upcoming earnings report date?
Unum Group’s upcoming earnings report date is Nov 03, 2026 which is in 92 days.
How were Unum Group’s earnings last quarter?
Unum Group released its earnings results on Jul 28, 2026. The company reported CHF1.745 earnings per share for the quarter, the consensus estimate of CHF1.745 by CHF0.
Is Unum Group overvalued?
According to Wall Street analysts Unum Group’s price is currently Undervalued.
Does Unum Group pay dividends?
Unum Group does not currently pay dividends.
What is Unum Group’s EPS estimate?
Unum Group’s EPS estimate is 1.77.
How many shares outstanding does Unum Group have?
Currently, no data Available
What happened to Unum Group’s price movement after its last earnings report?
Unum Group reported an EPS of CHF1.745 in its last earnings report, expectations of CHF1.745. Following the earnings report the stock price went same N/A.
Which hedge fund is a major shareholder of Unum Group?
Currently, no hedge funds are holding shares in CH:UUM
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Unum Group Stock Smart Score
Outperform
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Analyst Consensus
Moderate Buy
Average Price Target:
CHF83.99 (― Upside)
CHF83.99 (― Upside)
Blogger Sentiment
Bullish
CH:UUM Sentiment 60%
Sector Average ―
Sector Average ―
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
9.59%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
-5.40%
Trailing 12-Months
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.
UUM Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented a generally positive operational and financial picture: strong sales momentum (Unum U.S. sales +7.4% Q2, +14.3% YTD), record Colonial results, solid ROEs and a robust capital position with continued shareholder capital returns. Management reaffirmed full-year adjusted EPS guidance and highlighted meaningful progress on active management of the closed block (additional $3.8B LTC reinsurance). Offsetting these strengths were near-term challenges driven by elevated PFML/short-term disability experience in U.S. group disability, meaningful earnings pressure and higher claim severity in the U.K. group income protection business, closed-block volatility from group LTC terminations, and GAAP headwinds from transaction amortization and non-contemporaneous reinsurance impacts. Management has set pricing and underwriting actions underway (double-digit PFML rate increases, targeted U.K. pricing/underwriting), and expects many pressures to moderate as actions take effect.View all CH:UUM earnings summariesUUM Stock 12 Month Forecast
Average Price Target
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