Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI SWOT - About
Unum Group (UNMA)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
08/14/2025: UNMA (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit -8.77% | Avg. Invested days 35 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.22B USD | Price to earnings Ratio 4.79 | 1Y Target Price - |
Price to earnings Ratio 4.79 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta - | 52 Weeks Range 22.41 - 24.93 | Updated Date 06/29/2025 |
52 Weeks Range 22.41 - 24.93 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 4.09% | Basic EPS (TTM) - |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin - | Operating Margin (TTM) - |
Management Effectiveness
Return on Assets (TTM) - | Return on Equity (TTM) - |
Valuation
Trailing PE 4.79 | Forward PE - | Enterprise Value - | Price to Sales(TTM) - |
Enterprise Value - | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating - |
Shares Outstanding - | Shares Floating - | ||
Percent Insiders - | Percent Institutions - |
Upturn AI SWOT
Unum Group
Company Overview
History and Background
Unum Group was formed in 1999 through the merger of Unum Corporation and Provident Companies. Unum traces its roots back to 1848 with the founding of Union Mutual Life Insurance Company, while Provident was founded in 1887 as Provident Life and Accident Insurance Company. The merger created a leading provider of financial protection benefits.
Core Business Areas
- Unum US: Offers a broad portfolio of financial protection benefits in the U.S., including disability, life, accident, critical illness, dental and vision coverage.
- Unum International: Provides financial protection benefits primarily in the United Kingdom and Poland, focusing on disability, life, and supplemental health products.
- Colonial Life: Offers supplemental and voluntary benefits to employees through worksite marketing, including accident, sickness, cancer, life, and disability products.
Leadership and Structure
Unum Group is led by President and CEO Richard McKenney. The company's organizational structure includes various executive leadership roles overseeing different business segments and corporate functions like finance, legal, and human resources. The company operates with a decentralized structure allowing each business segment to operate independently, reporting back to the c-suite
Top Products and Market Share
Key Offerings
- Group Disability Insurance: Provides income replacement benefits to employees who are unable to work due to illness or injury. Unum is a leading provider of group disability insurance. Competitors include The Hartford, MetLife, and Principal Financial Group. Market share is approximately 20%.
- Group Life Insurance: Offers financial protection to beneficiaries in the event of an employee's death. Competitors include Prudential, MetLife, and The Hartford. Market share is approximately 15%.
- Supplemental Health Insurance (Colonial Life): Offers voluntary benefits such as accident, critical illness, and cancer insurance. Colonial Life is a key player in this market. Competitors include Aflac and Cigna. Market share for Colonial Life is approximately 20% of voluntary supplemental products. 1 million users.
Market Dynamics
Industry Overview
The insurance industry is characterized by intense competition, regulatory oversight, and evolving customer preferences. Demand for financial protection benefits is influenced by economic conditions, employment rates, and demographic trends. Digital innovation and data analytics are transforming the industry landscape. The COVID-19 pandemic led to an increase in the need and demand for insurance to cover unexpected situations. Growth is expected in voluntary benefits
Positioning
Unum Group is a well-established leader in the employee benefits market, particularly in disability and supplemental health insurance. Its competitive advantages include a strong brand reputation, extensive distribution network, and comprehensive product portfolio.
Total Addressable Market (TAM)
The US employee benefits market is estimated at $750 billion annually. Unum Group is well-positioned to capture a significant portion of this TAM through its diverse product offerings and established market presence.
Upturn SWOT Analysis
Strengths
- Strong Brand Reputation
- Extensive Distribution Network
- Comprehensive Product Portfolio
- Leading Market Position in Disability Insurance
- Strong Financial Performance
Weaknesses
- Exposure to Interest Rate Fluctuations
- Dependence on Group Sales
- Complexity of Insurance Products
- High Operating Expenses in Certain Segments
Opportunities
- Expansion into New Markets
- Development of Innovative Products
- Leveraging Technology for Enhanced Efficiency
- Growth in Voluntary Benefits Market
- Partnerships with Technology Providers
Threats
- Increased Competition
- Regulatory Changes
- Economic Downturn
- Rising Healthcare Costs
- Cybersecurity Risks
Competitors and Market Share
Key Competitors
- AFL
- PRU
- HIG
Competitive Landscape
Unum Group faces strong competition from other large insurance companies. Its advantages include a strong brand and comprehensive product portfolio. However, it must continue to innovate and adapt to changing market conditions to maintain its competitive edge.
Major Acquisitions
Starmount Life Insurance Company
- Year: 2016
- Acquisition Price (USD millions): 137
- Strategic Rationale: Expanded dental and vision offerings, complementing Colonial Lifeu2019s existing portfolio. Starmount was a key player in the dental and vision field.
Growth Trajectory and Initiatives
Historical Growth: Unum Group's growth has been driven by organic expansion and strategic acquisitions. Historical revenue growth has been modest, reflecting the mature nature of the insurance industry.
Future Projections: Analysts project moderate revenue growth for Unum Group, driven by increased demand for employee benefits and expansion into new markets.
Recent Initiatives: Recent initiatives include investments in technology, expansion of the voluntary benefits portfolio, and strategic partnerships to enhance distribution capabilities.
Summary
Unum Group is a solid player in the employee benefits market, leveraging its established brand and extensive distribution network. The company demonstrates financial stability and growth potential with its diverse product portfolio. Potential challenges may arise from rising healthcare costs and intense competition within the industry. Unum Group should focus on innovation and market diversification to maintain its competitive edge and growth trajectory.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (SEC)
- Industry Reports
- Analyst Reports
- Company Website
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Investment decisions should be based on your own research and due diligence.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Unum Group
Exchange NYSE | Headquaters - | ||
IPO Launch date 2018-06-19 | CEO - | ||
Sector - | Industry - | Full time employees 9400 | Website |
Full time employees 9400 | Website | ||
Unum Group, together with its subsidiaries, provides financial protection benefit solutions in the United States, the United Kingdom, and internationally. It operates through Unum US, Unum UK, Colonial Life, and Closed Block segments. The company offers group long-term and short-term disability, group life, and accidental death and dismemberment products; supplemental and voluntary products, such as individual disability, voluntary benefits, and dental and vision products; and accident, sickness, disability, life, and cancer and critical illness products. It also provides group pension, individual life and corporate-owned life insurance, reinsurance pools and management operations, and other products. The company sells its products primarily to employers for the benefit of employees. Unum Group sells its products through field sales personnel, independent brokers, and consultants, as well as independent contractor agency sales force. The company was founded in 1848 and is based in Chattanooga, Tennessee.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.