In short
Unum Group (UNM) has revenue up 1.5% to $13.1B and net income down 58.5% to $738.5M year on year. Its net margin is 5.6%, and it trades at 21.6× trailing earnings. Fisclear flags 1 medium-severity risk and no high-severity ones. How we calculate this
Compare: MET vs UNM · PRU vs UNM · AFL vs UNM · LNC vs UNM
Valuation
Financial ServicesLive · Yahoo FinancePrice
$93.75
$14.8B
13.3x
2.16%
52-Week Range
Decision Context
Altman Z-Score indicates financial distress risk. Review debt levels and cash runway before any position sizing decision.
Based on filing period ending Jun 2026
FisclearScore is a quantitative model using public financial data and sector median benchmarks (refreshed monthly). Not financial advice. Always conduct independent due diligence.
Macro Context
Fed Funds Rate
3.75%
Accommodative
10-Year Treasury
4.99%
2026-09-01
Unemployment
4.2%
Near full employment
CPI Index
334.1
2026-08-01
M2 Money Supply
$23.3T
2026-08-01
The Federal Funds rate stands at 3.75% — a moderately elevated rate environment that raises borrowing costs across the economy; 10-year Treasury yields are at 4.99%, setting the benchmark for long-term corporate borrowing; Unemployment stands at 4.2%; Industrial production index is at 103.1; M2 money supply is $23.3T; CPI index stands at 334.1.
SWOT Analysis — UNM
Inflationary BoomStrengths
No standout strengths identified from the filing.
Weaknesses
Net Income: $738.5M (-58.5% YoY) — Profit fell 58% but remained positive.
EPS (Diluted): $4.27 (-54.9% YoY) — Earnings per share fell 55%.
Operating Cash Flow: $687.7M (-54.6% YoY) — Operating cash flow fell 55% but remained positive.
Opportunities
Total Assets: $63.5B (+2.5% YoY) — Total assets grew 3% — the company's resource base expanded.
Revenue: $13.1B (+1.5% YoY) — Revenue grew 1% — the company sold more goods or services than the prior year.
Threats
Net income dropped 58% year-over-year — a significant compression in profitability.
Year-over-Year Changes
Net Income
$738.5M
was $1.8B
Profit fell 58% but remained positive.
EPS (Diluted)
$4.27
was $9.46
Earnings per share fell 55%.
Operating Cash Flow
$687.7M
was $1.5B
Operating cash flow fell 55% but remained positive.
Total Assets
$63.5B
was $62.0B
Total assets grew 3% — the company's resource base expanded.
Revenue
$13.1B
was $12.9B
Revenue grew 1% — the company sold more goods or services than the prior year.
Risk Flags
0 high · 1 medium · 0 low- ◈ Medium
Net income dropped 58% year-over-year — a significant compression in profitability.
Technical Signals
Daily closes · 1-year dataUnum Group: common questions
Is Unum Group profitable?
Yes. Unum Group made a net profit of $739M in its latest fiscal year (fiscal 2025), a net margin of 5.6%.
Is Unum Group's revenue growing?
Yes. Revenue grew 1.5% year on year, to $13.1B.
What is Unum Group's P/E ratio?
Unum Group trades at 21.9× its trailing twelve-month earnings. In other words, the share price is about 22 times the profit per share the company earned over the past year.
Does Unum Group pay a dividend?
Yes. Unum Group's forward dividend yield is 2.16%, the expected annual dividend as a share of the current share price.
What are the main risks for Unum Group?
Fisclear's checks flag 1 medium- or high-severity risk. The most serious: Net income dropped 58% year-over-year — a significant compression in profitability.
Answers are generated from the figures in this report (updated 9 Oct 2026). Information, not investment advice.
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External Links
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Data sourced from SEC EDGAR, FRED (Federal Reserve Economic Data), and Yahoo Finance. For informational purposes only. Not financial advice.