Valuation dashboard for Unum Group (UNM) with P/E 21.22, P/B 1.34, EV/EBITDA 14.2 and dividend yield 2.12%. DCF, Graham Number, EPS growth, peer multiples and dividend discount models plus sector comparison against other Financial Services companies.
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.
What would it be worth at its usual multiples?
Versus its usual multiples: expensive · Current P/B 1.3× · Multiples range: $27.08 · $96.14.
At a P/B Kaplio accepts for its ROE 6.4 % (0.4×) $27 (-70 %); at its peers' median (1.4×) $96 (+6 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.
Analysis Summary
Unum Group reported revenue of $13.05B in the most recent fiscal year, growing at a 5-year CAGR of -0.1%. Net income reached $738.5M, with a -1.4% 5-year CAGR.
Trailing-twelve-month margins: gross margin 35.7%, operating margin 6.8%, net margin 5.3%.
At $91.02 (closing price, November 2, 2026), UNM trades at a P/E of 21.22 and an ROE of 6.43%. Market capitalisation stands at $14.4B, placing it among large-cap names.
Balance sheet quality for UNM: debt-to-equity ratio of 0.35, current ratio of 17.97 over the last 12 months. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 21.22 |
| Price / Book | 1.34 |
| EV / EBITDA | 14.2 |
| Dividend Yield | 2.12% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| UNM | Unum Group | $14.4B | 21.22 | 1.34 | 6.4% |
| MFC | Manulife Financial Corporation | $74.3B | 16.81 | 1.95 | 13.0% |
| AFL | Aflac Incorporated | $62.5B | 13.43 | 2.07 | 16.4% |
| MET | MetLife, Inc. | $64.1B | 19.37 | 2.40 | 12.9% |
| PUK | Prudential plc | $30.6B | 8.70 | 1.56 | 18.3% |
| PRU | Prudential Financial, Inc. | $40.8B | 10.65 | 1.21 | 12.0% |
| VOYA | Voya Financial, Inc. | $9.0B | 14.80 | 1.42 | 12.7% |
| LNC | Lincoln National Corporation | $8.0B | 3.54 | 0.71 | 22.0% |
Price
| Price | $91.02 (closing price, November 2, 2026) |
| Market Cap | $14.4B |
| Exchange | NYSE |
| Country | US |
Profitability
| Return on Equity | 6.43% |
| Return on Invested Capital | 1.11% |
| Return on Assets | 1.11% |
| Gross Margin | 35.70% |
| Operating Margin | 6.83% |
| Net Margin | 5.30% |
Related companies: MFC · AFL · MET · PUK · PRU · VOYA · LNC · CNO
Explore sector: Financial Services · Insurance - Life
More sections of UNM: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
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