Unum Group
Provides workplace insurance and leave services across the US, UK, and Poland.
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Profile
Sells workplace disability, life, accident, critical illness, dental, and vision insurance, together with leave and workforce-support services. Operations span the United States, United Kingdom, and Poland, while Closed Block houses long-duration products no longer marketed and adds actuarial, regulatory, and reinsurance dependencies.
Provides workplace benefits through Unum US, Unum International, and Colonial Life, alongside a Closed Block of products no longer marketed. Active offerings span disability, life, accident, critical illness, dental, and vision insurance, plus leave, absence-management, and behavioral-health services.
Operates across the United States, United Kingdom, and Poland, primarily through the Unum and Colonial Life brands. Employer and broker distribution, disciplined underwriting, claims execution, and integrated digital platforms connect insurance products with workforce-support services.
Carries long-duration run-off liabilities in Closed Block, including long-term care and individual disability. Results depend on policyholder behavior, actuarial assumptions, investment performance, regulatory approvals, and reinsurer performance; regulated subsidiaries also shape capital deployment across the group.
Company facts
Categories
Key statistics
Year to date +20.5% · Average volume (30d) 1.4M
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Rating | Prior target | Target |
|---|---|---|---|---|---|
| Aug 24, 2026 | Morgan Stanley | Reiterate | Equal Weight | $87 | $92 |
| Jul 15, 2026 | Atlantic Equities | Target | $88 | ||
| Jul 10, 2026 | Jefferies | Reiterate | Buy | $115 | $123 |
| Jul 7, 2026 | UBS | Target | $85 | $94 | |
| Jul 7, 2026 | Evercore ISI | Reiterate | Outperform | $103 | $106 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 28, 2026Q2 FY26 | $2.16 | $2.16 | 0.0% | $2.90B | $2.90B | −0.3% | −4.89% |
| Apr 28, 2026Q1 FY26 | $2.07 | $2.14 | +3.4% | $2.91B | $3.36B | +15.1% | +4.46% |
| Feb 5, 2026Q4 FY25 | $2.11 | $1.92 | −9.0% | $3.29B | $3.24B | −1.3% | −1.45% |
| Nov 3, 2025Q3 FY25 | $2.15 | $2.09 | −2.8% | $3.33B | $3.36B | +0.9% | +7.23% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $3.08B | $3.35B | $3.36B | $3.24B | $3.36B | $3.29B | |
| Gross profit | $910.5M | $1.07B | $738.2M | $1.35B | $1.35B | $1.29B | |
| Operating income | $243.6M | $417.0M | $54.5M | $218.4M | $302.7M | $329.5M | |
| Net income | $189.1M | $335.6M | $39.7M | $174.1M | $232.0M | $256.9M | |
| Diluted EPS | $1.06 | $1.92 | $0.23 | $1.04 | $1.41 | $1.61 | |
| Gross margin | 29.6% | 31.9% | 22.0% | 41.6% | 40.3% | 39.2% | |
| Operating margin | 7.9% | 12.5% | 1.6% | 6.7% | 9.0% | 10.0% |
Fiscal years (4-quarter sums)FY21 $11.90B · FY22 $11.88B · FY23 $12.31B · FY24 $12.79B · FY25 $13.02B
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $199.2M · Total debt $3.76B · Total assets $63.49B · Shareholders' equity $10.81B
Dividends
Raised for 22 straight years — most recently to $0.505 from $0.46 in Jul 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jul 24, 2026 | Jul 24 | Aug 14 | $0.505 | raised from $0.46 |
| Apr 24, 2026 | Apr 24 | May 15 | $0.46 | |
| Jan 30, 2026 | Jan 30 | Feb 20 | $0.46 | |
| Oct 24, 2025 | Oct 24 | Nov 14 | $0.46 | |
| Jul 25, 2025 | Jul 25 | Aug 15 | $0.46 | raised from $0.42 |
| Apr 25, 2025 | Apr 25 | May 16 | $0.42 | |
| Jan 24, 2025 | Jan 24 | Feb 14 | $0.42 | |
| Oct 25, 2024 | Oct 25 | Nov 15 | $0.42 |
Ownership
Institutions and insiders are filed separately and overlap, so together they can pass the whole company. No split is drawn from them.
Shares outstanding 158.31M · Float 141.88M · 89.6% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 17.99M | 11.37% | 13F | Aug 7, 2026 |
| Norges Bank | 13.26M | 8.37% | 13F | Aug 12, 2026 |
| Vanguard Portfolio Management LLC | 8.59M | 5.42% | 13F | Aug 13, 2026 |
| FMR LLC | 7.74M | 4.89% | 13F | Aug 13, 2026 |
| Vanguard Capital Management LLC | 6.80M | 4.30% | 13F | Aug 13, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Apr 30, 2026 | Elizabeth Claire Ahmed | officer: EVP, People & Communications | −12,000 | $80.14 |
| Mar 16, 2026 | Christopher W. Pyne | officer: EVP, Group Benefits | −4,852 | $72.47 |
| Mar 9, 2026 | Lisa G. Iglesias | officer: EVP, General Counsel | −3,500 | $73.00 |
| Feb 18, 2026 | Cynthia Egan | director | −9,000 | $73.00 |
| Feb 18, 2026 | Timothy F. Keaney | director | −4,500 | $72.58 |
Peers
- MetLife
Broad employer-benefits rival across disability, life, dental, and vision
- The Hartford
Direct rival in group disability, life, voluntary benefits, and leave
- Lincoln Financial
Group-protection rival in disability, life, dental, and supplemental health
- Principal Financial Group
Specialty-benefits rival focused on small and midsize employers
- Prudential Financial
Large group-insurance rival in disability, life, leave, and supplemental health
- Aflac
Worksite supplemental rival across disability, accident, and critical illness
- Voya
Workplace-benefits rival in stop loss, group protection, and voluntary coverage
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Unum Group | $93.38 | +0.31% | $14.73B | 21.7 | 10.4 | 1.1 | −13.8% |
| MetLife | $97.91 | +1.46% | $62.10B | 18.5 | 9.2 | 0.8 | +10.0% |
| The Hartford | $137.85 | −0.49% | $37.98B | 9.0 | 10.6 | 1.3 | +4.0% |
| Lincoln Financial | $43.25 | −0.07% | $8.29B | 3.7 | 5.3 | 0.4 | +21.2% |
| Principal Financial Group | $111.41 | 0.00% | $23.85B | 15.8 | 11.2 | 1.5 | +8.8% |
| Prudential Financial | $119.79 | +0.01% | $41.57B | 10.8 | 8.5 | 0.6 | +2.8% |
| Aflac | $116.52 | −0.00% | $59.31B | 12.6 | 15.9 | 3.3 | −2.4% |
| Voya | $102.55 | −0.02% | $9.30B | 17.4 | 9.7 | 2.5 | +3.2% |
| Median | 12.6 | 9.7 | 1.3 | +4.0% |