Unum Group Common Stock (UNM)

FairStock Score: 44/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at Unum as an insurer, not a free-cash-flow machine, so I set aside FCF yield, EV/EBITDA, Altman Z and the Graham Number. What matters is underwriting, book value, returns and leverage. The company sells disability, life and workplace benefits across the US, UK and Poland. That can be a steady franchise, but the filed numbers show a lumpy business. In fiscal 2023 it earned net income of $1.3B, in fiscal 2024 $1.8B, then in fiscal 2025 just $738.5M. Fiscal Q3 2025 was especially weak, with net income of $39.7M and diluted EPS of $0.23. By fiscal Q2 2026, the quarter ended 2026-06-30, net income recovered to $256.9M and diluted EPS to $1.61 on revenue of $3.4B. Still, that was below fiscal Q2 2025 net income of $335.6M and diluted EPS of $1.92. The data show revenue growth of 0.13% and profit growth of -23.45%, and the FairStock Lynch category is SLOW GROWER — Shrinking, based on five-year profit decline of 1.4% a year and revenue decline of 0.1%. At the 2026-10-13 close of $92.05, FairStock calculations put the P/E at 21.36 and P/B at 1.35. ROE is only 6.35%, ROCE is 1.10%, and the FairStock Score is 44/100, though D/E of 0.37 and a beta of 0.26 suggest moderate financial risk. Piotroski is 6/9. I cannot assess underwriting precisely because combined ratio, CET1 and NIM are not in the data. For a slow, inconsistent insurer, the price does not scream bargain.

In plain English: Unum Group sells disability, life and other workplace insurance in the United States, Britain and Poland. Its profits have been uneven lately, with a weak quarter in late 2025 and a better one in mid-2026, and the company is growing slowly. At the October 13, 2026 close, the stock price looks full compared with recent profit and accounting net assets, so it is not an obvious bargain.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer