Unum Group is a provider of group and individual income protection insurance products in the United States, the United Kingdom, Poland, and other countries. It is the domestic disability insurer, with the majority of premiums generated from employer plans. The company also offers a complementary portfolio of other insurance products, including long-term care insurance, life insurance, and employer- and employee-paid group benefits. It has the following operating business segments: Unum USA, Unum International, Closed Block, Colonial Life, and Corporate. The Unum USA segment generates the majority of revenue. The firm markets its products through brokers.
The chart shows the growth of an initial investment of $10,000 in Unum Group, comparing it to the performance of the S&P 500 index. All prices have been adjusted for splits and dividends.
Returns By Period
Unum Group (UNM) has returned -3.99% so far this year and 7.38% over the past 12 months. Looking at the last ten years, UNM has achieved an annualized return of 9.01%, underperforming the Benchmark (SPY), which averaged 12.23% per year.
UNM
1M1.78%
6M-6.79%
YTD-3.99%
1Y7.38%
5Y21.64%
10Y9.01%
Benchmark (SPY)
1M-3.85%
6M-2.35%
YTD-4.36%
1Y34.06%
5Y9.80%
10Y12.23%
Monthly Returns
The table below presents the monthly returns of Unum Group (UNM) with color gradation from worst to best to easily spot seasonal factors.
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2026
-1.66%
-5.68%
2.14%
0.43%
2025
4.52%
9.72%
-0.91%
-4.58%
6.10%
-0.98%
-11.03%
-1.61%
11.98%
-5.09%
4.20%
2.36%
2024
6.76%
2.81%
8.29%
-6.11%
5.82%
-5.32%
11.45%
-3.95%
7.37%
8.71%
19.80%
-5.17%
2023
3.45%
7.01%
-11.18%
6.27%
3.63%
8.58%
1.93%
0.99%
-0.63%
-0.49%
-6.62%
5.95%
2022
2.30%
9.88%
14.71%
-3.93%
18.61%
-7.23%
-4.85%
18.69%
3.30%
15.86%
-7.82%
-3.44%
2021
1.18%
13.21%
2.62%
2.43%
7.57%
-9.61%
-4.40%
-3.55%
-6.60%
1.07%
-10.15%
3.76%
2020
-9.12%
-13.15%
-36.15%
24.82%
-9.39%
9.72%
3.80%
7.25%
-8.03%
3.82%
22.75%
-0.22%
2019
20.99%
7.17%
-10.46%
8.52%
-14.45%
6.64%
-6.14%
-20.52%
18.31%
-8.20%
10.26%
-5.54%
2018
-4.06%
-2.73%
-6.46%
1.49%
-19.50%
-5.76%
8.02%
-6.80%
6.46%
-7.78%
-1.80%
-19.73%
2017
1.61%
6.34%
-6.05%
-1.51%
-3.41%
3.00%
6.55%
-4.44%
5.77%
1.50%
8.28%
-3.23%
2016
11.14%
7.54%
-12.83%
5.83%
6.27%
-1.09%
0.97%
18.54%
3.12%
Performance Indicators
The charts below present risk-adjusted performance metrics for Unum Group (UNM) and compare them to a Benchmark (SPY). These indicators evaluate an investment's returns against its associated risks.
Sharpe ratio
Sortino ratio
Omega ratio
Calmar ratio
Martin ratio
sharpe ratio
The Sharpe ratio helps investors understand how much return they're getting for the level of risk taken. A higher Sharpe ratio indicates better risk-adjusted performance, meaning more reward for each unit of risk.
These values reflect how efficiently the investment has delivered returns relative to its volatility over different time periods. All figures are annualized and based on daily total returns.
The chart below shows the rolling Sharpe ratio of UNM compared to the benchmark. This view highlights how the investment's risk-adjusted performance has changed over time.
Volatility Chart
The current Unum Group volatility is 1.16%, representing the standart deviation of percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. It shows the maximum percentage drop from a peak to a trough over a specified period, indicating the risk of significant losses. Although chart shows positive values, it represents the percentage drop from the peak, so a value of 10% means the portfolio has dropped 10% from its highest point.
Income Statement
The income statement provides a summary of a company's revenues, expenses, and profits over a specific period. It shows how much money the company earned (revenues) and how much it spent (expenses), leading to the net income or profit. This statement is crucial for understanding a company's financial performance and profitability.
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
Liabilities And Equity (USD)
63.52B
61.96B
63.26B
61.43B
70.12B
70.63B
67.01B
61.88B
64.01B
61.94B
60.59B
62.50B
59.40B
62.24B
60.18B
57.31B
54.48B
Equity Attributable To Parent (USD)
11.12B
10.96B
9.65B
9.20B
11.42B
10.87B
9.97B
8.62B
9.57B
8.97B
8.66B
8.55B
8.66B
8.61B
8.58B
8.94B
8.50B
Equity Attributable To Noncontrolling Interest (USD)
While the S&P 500 has fallen nearly 5% since the start of the U.S.-Iran conflict, three dividend-paying stocks are bucking the trend: Crescent Energy, Viper Energy Partners, and Unum Group. Crescent Energy benefits from its Permian Basin operations and recent analyst upgrades. Viper Energy's royalty model shields it from operational risks while offering a 3.3% dividend yield. Unum Group, a life and disability insurer, stands out as a non-energy play with expected 8%-12% EPS growth and 30% upside potential.
Investing.com•Nathan Reiff
AI Insight
Expected 8%-12% EPS growth and 4%-7% core operations growth for 2026; sustained profitability with nearly two decades of consistent dividend increases; 2.49% dividend yield; approximately 30% upside potential; benefits from market dislocation despite being fundamentally disconnected from Iran conflict
Ushur announced Voice-Guided Experience, a new capability that enables organizations in regulated industries to guide customers through complex workflows using synchronized voice and mobile interactions. The AI-powered feature keeps voice conversations active while opening a synchronized mobile experience, allowing customers to speak or tap without switching channels. The platform supports 74 languages, maintains enterprise-grade compliance (HITRUST r2, SOC 2, HIPAA), and is designed to improve completion rates and reduce operational burden for healthcare, insurance, and financial services organizations.
GlobeNewswire Inc.•Ushur
AI Insight
Unum is mentioned as a customer relying on Ushur's platform, but the article provides no specific information about Unum's implementation or outcomes.
Unum Group, an insurance company specializing in health, disability, and benefits coverage, has experienced a temporary setback after disappointing Q4 2025 earnings, with stock down 6% year-to-date. However, the article identifies three catalysts that could drive recovery: (1) executing a plan to return 100% of free cash flow to shareholders through buybacks and dividends, (2) achieving premium growth above the guided 4-7% range, and (3) stabilizing disability benefit ratios back to the 62-64% range to restore underwriting profitability.
The Motley Fool•Jack Delaney
AI Insight
While the company faced recent headwinds with disappointing Q4 2025 results, the article presents a constructive outlook with three specific catalysts for recovery. The company's 5-year track record of 180% stock appreciation, strong dividend yield of 2.47%, commitment to shareholder returns, and management's expectation of margin stabilization and 8-12% EPS growth in 2026 support a positive medium-term perspective despite near-term challenges.
Unum Group reported Q2 2025 earnings of $2.07 per share, missing analyst estimates. Revenue grew to $3.36 billion, but the company experienced challenges in claims costs, customer retention, and new business sales across its insurance segments.
The Motley Fool•Jesterai
AI Insight
Earnings missed estimates, adjusted operating income declined in multiple segments, benefit ratios increased, persistency weakened, and new sales volumes dropped across group disability, life, and voluntary insurance lines
Five U.S. stocks have recently increased their dividends, with analysts seeing potential for price appreciation and attractive total return potential over the next 12 months.
Globe Life Inc.'s first-quarter 2025 net operating income missed estimates, but premiums and underwriting income improved. The company's results were impacted by lower investment income and higher expenses.
Zacks Investment Research•
AI Insight
Unum Group's operating net income and total operating revenues missed estimates, indicating a weaker performance.
Unum is a strong dividend stock with a 2.68% dividend yield, which is higher than the industry and S&P 500 averages. The company has increased its dividend by an average of 7.59% annually over the last 5 years, and its payout ratio is low at 18%, indicating potential for future dividend growth.
Benzinga•Zacks
AI Insight
Unum has a high dividend yield, a history of consistent dividend growth, and a low payout ratio, indicating it is a strong dividend stock.
Unum (UNM) is an attractive dividend play with a strong Zacks Rank of #2 (Buy). The company has seen a 20.9% increase in its annualized dividend over the past year and has a dividend yield of 3.09%, higher than the industry and S&P 500 averages. Unum's earnings are expected to grow 10.44% this fiscal year, making it a compelling investment opportunity.
Benzinga•Zacks
AI Insight
Unum is an attractive dividend play with a strong earnings growth outlook and a higher-than-average dividend yield, making it a compelling investment opportunity.
The cancer insurance market is expected to grow strongly in the coming years, driven by factors such as rising cancer incidence rates, medical inflation, and heightened awareness. Key trends include innovative product developments, customizable policies, and integration with health plans. The increasing number of cancer cases is a major driver for the market's growth.
GlobeNewswire Inc.•Globe Newswire
AI Insight
Unum Group is included as one of the key players in the cancer insurance market, suggesting their participation and potential to capitalize on the market's expansion.
The Accident and Health Insurance industry is expected to benefit from increased underwriting exposure and adoption of technology, despite ongoing pricing pressure and potential rise in claims frequency. Aflac, Unum Group, and Trupanion are highlighted as companies that should continue to perform well in this environment.
Zacks Investment Research•Zacks Investment Research
AI Insight
The company's continued rollout of dental products and geographic expansion has been paying off, and it has a positive outlook for future earnings growth.
