📊 UNMA Key Takeaways
Is Unum Group (UNMA) a Good Investment?
Unum Group exhibits weak fundamental performance with a 54.9% YoY decline in diluted EPS, coupled with poor capital efficiency (ROE 6.6%, ROA 1.2%) and minimal revenue growth of 1.5%. While the balance sheet remains stable with moderate leverage and positive free cash flow of $555.4M, the company's inability to generate meaningful returns on shareholder capital and its stagnant growth trajectory suggest deteriorating operational performance in a mature insurance market.
Unum Group Key Strengths (UNMA)
- Solid free cash flow generation of $555.4M supporting potential shareholder returns
- Conservative leverage with Debt/Equity ratio of 0.34x providing financial flexibility
- Strong interest coverage of 6.6x indicating adequate debt service capacity
UNMA Stock Risks: Unum Group Investment Risks
- Severe earnings decline of 54.9% YoY signals operational deterioration or reserve increases
- Anemic profitability with 5.6% net margin and 7.1% operating margin indicating margin compression
- Poor capital efficiency with ROE of 6.6% and ROA of 1.2% well below industry expectations
- Stagnant revenue growth of only 1.5% YoY limiting top-line expansion opportunities
- Minimal cash position of $158.2M relative to $63.5B in total assets creates liquidity constraints
Key Metrics to Watch
- Earnings per share trajectory and drivers of YoY decline reversal
- Net margin recovery and underwriting profitability improvements
- Return on equity progression toward double-digit levels
- Free cash flow sustainability and capital allocation decisions
Unum Group (UNMA) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The relatively thin 4.2% FCF margin may limit capital allocation flexibility. The current ratio below 1.0x warrants monitoring of short-term liquidity.
UNMA Profit Margin, ROE & Profitability Analysis
UNMA vs Finance Sector: How Unum Group Compares
How Unum Group compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Unum Group Stock Overvalued? UNMA Valuation Analysis 2026
Based on fundamental analysis, Unum Group has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Unum Group Balance Sheet: UNMA Debt, Cash & Liquidity
UNMA Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Unum Group's revenue has remained relatively flat over the 5-year period, with a 1% decline. The most recent EPS of $6.50 reflects profitable operations.
UNMA Revenue Growth, EPS Growth & YoY Performance
UNMA Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $3.1B | $189.1M | $1.06 |
| Q3 2025 | $3.2B | $39.7M | $0.23 |
| Q2 2025 | $3.2B | $335.6M | $1.92 |
| Q1 2025 | $3.1B | $189.1M | $1.06 |
| Q3 2024 | $3.1B | $202.0M | $1.02 |
| Q2 2024 | $3.1B | $389.5M | $1.98 |
| Q1 2024 | $3.0B | $358.3M | $1.80 |
| Q3 2023 | $3.0B | $202.0M | $1.02 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Unum Group Dividends, Buybacks & Capital Allocation
UNMA SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Unum Group (CIK: 0000005513)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| May 28, 2026 | 4 | xslF345X06/wk-form4_1780005434.xml | View → |
| May 28, 2026 | 4 | xslF345X06/wk-form4_1780005200.xml | View → |
| May 28, 2026 | 4 | xslF345X06/wk-form4_1780005083.xml | View → |
| May 28, 2026 | 4 | xslF345X06/wk-form4_1780004957.xml | View → |
| May 28, 2026 | 4 | xslF345X06/wk-form4_1780004851.xml | View → |
❓ Frequently Asked Questions about UNMA
What is the AI rating for UNMA?
Unum Group (UNMA) has an AI grade of C with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are UNMA's key strengths?
Claude: Solid free cash flow generation of $555.4M supporting potential shareholder returns. Conservative leverage with Debt/Equity ratio of 0.34x providing financial flexibility.
What are the risks of investing in UNMA?
Claude: Severe earnings decline of 54.9% YoY signals operational deterioration or reserve increases. Anemic profitability with 5.6% net margin and 7.1% operating margin indicating margin compression.
What is UNMA's revenue and growth?
Unum Group reported revenue of $13.1B.
Does UNMA pay dividends?
Unum Group pays dividends, with $306.2M distributed to shareholders in the trailing twelve months.
Where can I find UNMA SEC filings?
Official SEC filings for Unum Group (CIK: 0000005513) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is UNMA's EPS?
Unum Group has a diluted EPS of $4.27.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is UNMA's fundamental grade?
Based on our AI fundamental analysis in June 2026, Unum Group has a C grade with 72% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is UNMA stock overvalued or undervalued?
Valuation metrics for UNMA: ROE of 6.6% (sector avg: 12%), net margin of 5.6% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is UNMA's AI grade for 2026?
Our dual AI analysis gives Unum Group a combined C grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is UNMA's free cash flow?
Unum Group's operating cash flow is $687.7M, with capital expenditures of $132.3M. FCF margin is 4.2%.
How does UNMA compare to other Finance stocks?
Vs Finance sector averages: Net margin 5.6% (avg: 25%), ROE 6.6% (avg: 12%), current ratio N/A (avg: 1.2).