UNM
VENTE TOTALE: 4 300 titres (~404 286,00 $ US)
- Insiders
- Keaney Timothy F
- Total bought
- —
- Total sold
- $404,286
- Last activity
- 2026-09-10
- Last synced
-
2026-09-13 10:23:38
Insider holdings as a share of total assets aren't available for this company.
Price (1 year)
Live chart from TradingView - pulls its own market data, independent of this site's database. Symbol resolution is best-effort (defaults to NASDAQ) since we don't store the exchange prefix.
Market snapshot
Signal
Bearish signal Scored 2026-09-12
Despite a moderately strong earnings catalyst (score 65, confidence 0.7) with a $1B buyback and +9.4% post-earnings momentum, UNM's critically weak financial health — near-zero liquidity ratios, halved operating…
The first sentence of the analysis written for UNM on 2026-09-12 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 38.2% | 37.1% | 32.8% | 33.1% | 28.0% | |
| Ebit Margin | 8.8% | 19.2% | 14.9% | 16.3% | 12.2% | |
| Ebitda Margin | 9.7% | 20.1% | 15.8% | 17.3% | 13.2% | |
| Operating Profit Margin | 7.2% | 17.6% | 13.3% | 14.7% | 10.6% | |
| Pretax Profit Margin | 7.2% | 17.6% | 13.3% | 14.7% | 10.6% | |
| Continuous Operations Profit Margin | 5.7% | 13.9% | 10.4% | 11.9% | 8.3% | |
| Net Profit Margin | 5.7% | 13.9% | 10.4% | 11.9% | 8.3% | |
| Bottom Line Profit Margin | 5.7% | 13.9% | 10.4% | 11.9% | 8.3% | |
| Current Ratio | 0.000 | 2.399 | 4.231 | 4.357 | 4.309 | |
| Quick Ratio | 0.000 | 2.399 | 4.231 | 4.357 | 4.309 | |
| Solvency Ratio | 0.016 | 0.037 | 0.026 | 0.029 | 0.018 | |
| Cash Ratio | 0.000 | 0.241 | 0.366 | 0.324 | 0.203 | |
| Price To Earnings Ratio | 18.107 | 7.695 | 6.925 | 5.853 | 6.082 | |
| Price To Earnings Growth Ratio | -0.330 | 0.170 | -1.011 | 0.080 | 1.577 | |
| Forward Price To Earnings Growth Ratio | -0.330 | 0.170 | -1.011 | 0.080 | 1.577 | |
| Price To Earnings Diluted Ratio | 18.107 | 7.720 | 6.957 | 5.895 | 6.112 | |
| Price To Earnings Diluted Growth Ratio | -0.331 | 0.170 | -1.053 | 0.081 | 1.829 | |
| Price To Book Ratio | 1.202 | 1.242 | 0.921 | 0.942 | 0.440 | |
| Price To Sales Ratio | 1.024 | 1.064 | 0.722 | 0.693 | 0.424 | |
| Price To Free Cash Flow Ratio | 24.072 | 9.811 | 8.327 | 6.253 | 3.929 | |
| Price To Operating Cash Flow Ratio | 19.441 | 8.996 | 7.394 | 5.803 | 3.617 | |
| Debt To Assets Ratio | 0.061 | 0.062 | 0.056 | 0.056 | 0.050 | |
| Debt To Equity Ratio | 0.351 | 0.352 | 0.366 | 0.393 | 0.314 | |
| Debt To Capital Ratio | 0.260 | 0.260 | 0.268 | 0.282 | 0.239 | |
| Long Term Debt To Capital Ratio | 0.256 | 0.243 | 0.265 | 0.282 | 0.235 | |
| Financial Leverage Ratio | 5.764 | 5.689 | 6.591 | 7.044 | 6.239 | |
| Working Capital Turnover Ratio | 10.304 | 11.440 | 9.753 | 9.660 | 9.225 | |
| Operating Cash Flow Ratio | 0.000 | 2.238 | 3.012 | 3.860 | 3.749 | |
| Operating Cash Flow Sales Ratio | 0.053 | 0.118 | 0.098 | 0.119 | 0.117 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.808 | 0.917 | 0.888 | 0.928 | 0.921 | |
| Debt Service Coverage Ratio | 4.629 | 4.251 | 7.418 | 8.956 | 6.194 | |
| Interest Coverage Ratio | 4.471 | 11.195 | 8.419 | 9.284 | 6.814 | |
| Short Term Operating Cash Flow Coverage Ratio | 30.701 | 5.182 | 62.646 | 709.350 | 61.394 | |
| Operating Cash Flow Coverage Ratio | 0.176 | 0.392 | 0.340 | 0.414 | 0.387 | |
| Capital Expenditure Coverage Ratio | 5.198 | 12.038 | 8.923 | 13.882 | 12.579 | |
| Dividend Paid And Capex Coverage Ratio | 1.568 | 3.584 | 2.920 | 3.981 | 3.968 | |
| Dividend Payout Ratio | 0.415 | 0.167 | 0.216 | 0.181 | 0.244 | |
| Enterprise Value Multiple | 13.526 | 6.740 | 6.320 | 5.634 | 5.448 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 38.2% | ▲1.1% | ▲4.4% |
| Ebit Margin | 8.8% | ▼-10.4% | ▼-5.5% |
| Ebitda Margin | 9.7% | ▼-10.4% | ▼-5.5% |
| Operating Profit Margin | 7.1% | ▼-10.4% | ▼-5.5% |
| Pretax Profit Margin | 7.1% | ▼-10.4% | ▼-5.5% |
| Continuous Operations Profit Margin | 5.7% | ▼-8.2% | ▼-4.4% |
| Net Profit Margin | 5.7% | ▼-8.2% | ▼-4.4% |
| Bottom Line Profit Margin | 5.7% | ▼-8.2% | ▼-4.4% |
| Current Ratio | 0.000 | ▼-2.399 | ▼-3.059 |
| Quick Ratio | 0.000 | ▼-2.399 | ▼-3.059 |
| Solvency Ratio | 0.016 | ▼-0.021 | ▼-0.009 |
| Cash Ratio | 0.000 | ▼-0.241 | ▼-0.227 |
| Price To Earnings Ratio | 18.108 | ▲10.412 | ▲9.175 |
| Price To Earnings Growth Ratio | -0.330 | ▼-0.500 | ▼-0.427 |
| Forward Price To Earnings Growth Ratio | -0.330 | ▼-0.500 | ▼-0.427 |
| Price To Earnings Diluted Ratio | 18.108 | ▲10.388 | ▲9.149 |
| Price To Earnings Diluted Growth Ratio | -0.331 | ▼-0.500 | ▼-0.470 |
| Price To Book Ratio | 1.202 | ▼-0.040 | ▲0.253 |
| Price To Sales Ratio | 1.024 | ▼-0.040 | ▲0.238 |
| Price To Free Cash Flow Ratio | 24.072 | ▲14.261 | ▲13.594 |
| Price To Operating Cash Flow Ratio | 19.441 | ▲10.445 | ▲10.391 |
| Debt To Assets Ratio | 0.061 | ▼-0.001 | ▲0.004 |
| Debt To Equity Ratio | 0.351 | ▼-0.001 | ▼-0.004 |
| Debt To Capital Ratio | 0.260 | ▼-0.001 | ▼-0.002 |
| Long Term Debt To Capital Ratio | 0.256 | ▲0.013 | ▼-0.000 |
| Financial Leverage Ratio | 5.764 | ▲0.076 | ▼-0.501 |
| Working Capital Turnover Ratio | 10.304 | ▼-1.135 | ▲0.228 |
| Operating Cash Flow Ratio | 0.000 | ▼-2.239 | ▼-2.572 |
| Operating Cash Flow Sales Ratio | 0.053 | ▼-0.066 | ▼-0.048 |
| Free Cash Flow Operating Cash Flow Ratio | 0.808 | ▼-0.109 | ▼-0.085 |
| Debt Service Coverage Ratio | 4.629 | ▲0.378 | ▼-1.660 |
| Interest Coverage Ratio | 4.471 | ▼-6.724 | ▼-3.566 |
| Short Term Operating Cash Flow Coverage Ratio | 30.701 | ▲25.519 | ▼-143.154 |
| Operating Cash Flow Coverage Ratio | 0.176 | ▼-0.216 | ▼-0.166 |
| Capital Expenditure Coverage Ratio | 5.198 | ▼-6.840 | ▼-5.326 |
| Dividend Paid And Capex Coverage Ratio | 1.568 | ▼-2.016 | ▼-1.636 |
| Dividend Payout Ratio | 0.415 | ▲0.248 | ▲0.170 |
| Enterprise Value Multiple | 13.526 | ▲6.786 | ▲5.993 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $13.37B | $13.61B | $8.89B | $8.23B | $5.02B | |
| Enterprise value | $17.11B | $17.31B | $12.28B | $11.54B | $8.53B | |
| EV / Sales | 1.31x | 1.35x | 1.00x | 0.97x | 0.72x | |
| EV / Op. cash flow | 24.89x | 11.44x | 10.21x | 8.14x | 6.15x | |
| EV / Free cash flow | 30.82x | 12.48x | 11.50x | 8.77x | 6.68x | |
| EV / EBITDA | 13.53x | 6.74x | 6.32x | 5.63x | 5.45x | |
| Net debt / EBITDA | 2.96x | 1.44x | 1.74x | 1.62x | 2.24x | |
| Current ratio | 0.00x | 2.40x | 4.23x | 4.36x | 4.31x | |
| Income quality | 0.93x | 0.85x | 0.94x | 1.08x | 1.68x | |
| Graham number | $79 | $112 | $85 | $83 | $78 | |
| Graham net-net | -$300 | -$269 | -$268 | -$257 | -$287 | |
| Tax burden | 79.1% | 79.0% | 78.3% | 80.4% | 77.8% | |
| Interest burden | 81.7% | 91.8% | 89.4% | 90.3% | 87.2% | |
| Working capital | $1.59B | $945.8M | $1.29B | $1.23B | $1.22B | |
| Invested capital | $2.45B | $1.83B | $2.16B | $2.07B | $2.09B | |
| Return on assets | 1.2% | 2.9% | 2.0% | 2.3% | 1.4% | |
| Operating ROA | 1.5% | 3.6% | 2.6% | 2.6% | 1.8% | |
| Return on tangible assets | 1.2% | 2.9% | 2.0% | 2.3% | 1.4% | |
| Return on equity | 6.6% | 16.2% | 13.3% | 16.1% | 8.6% | |
| Return on invested capital | 1.2% | 2.9% | 2.0% | 2.3% | 1.4% | |
| Return on capital employed | 1.5% | 3.7% | 2.6% | 2.9% | 1.8% | |
| Earnings yield | 5.5% | 13.1% | 14.4% | 17.1% | 19.5% | |
| Free cash flow yield | 4.2% | 10.2% | 12.0% | 16.0% | 25.5% | |
| Capex / Op. cash flow | 19.2% | 8.3% | 11.2% | 7.2% | 7.9% | |
| Capex / Depreciation | 107.6% | 108.3% | 123.9% | 92.5% | 92.1% | |
| Capex / Sales | 1.0% | 1.0% | 1.1% | 0.9% | 0.9% | |
| SG&A / Sales | 0.0% | 9.1% | 9.4% | 9.2% | 8.2% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.0% | 0.0% | 0.0% | 0.4% | 0.3% | |
| Intangibles / Total assets | 0.6% | 0.6% | 0.6% | 0.6% | 0.5% | |
| Days sales outstanding | 40d | 42d | 46d | 46d | 47d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | 0d | |
| Operating cycle | 40d | 42d | 46d | 46d | 47d | |
| Cash conversion cycle | 40d | 42d | 46d | 46d | 47d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▼-1.8%EV / Sales ▼-3.1%EV / EBITDA ▲+100.7%EV / Op. cash flow ▲+13.446Earnings yield ▼-0.075Graham number ▼-33.583
Profitability
Return on equity ▼-0.096Return on assets ▼-0.017Return on invested capital ▼-0.017Return on capital employed ▼-0.022Operating ROA ▼-0.021Income quality ▲+0.081Tax burden ▲+0.001
Efficiency
Days sales outstanding ▼-1.659Days payables outstanding n/aOperating cycle ▼-1.659Cash conversion cycle ▼-1.659Capex / Sales +0.000R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-2.399Net debt / EBITDA ▲+1.520Working capital ▲+642200000.000Invested capital ▲+618000000.000Intangibles / Total assets -0.000
Change over 5 years
Valuation
Market cap ▲+166.4%EV / Sales ▲+82.0%EV / EBITDA ▲+148.3%EV / Op. cash flow ▲+18.740Earnings yield ▼-0.140Graham number ▲+1.067
Profitability
Return on equity ▼-0.020Return on assets ▼-0.002Return on invested capital ▼-0.002Return on capital employed ▼-0.003Operating ROA ▼-0.003Income quality ▼-0.752Tax burden ▲+0.013
Efficiency
Days sales outstanding ▼-6.887Days payables outstanding n/aOperating cycle ▼-6.887Cash conversion cycle ▼-6.887Capex / Sales ▲+0.001R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-4.309Net debt / EBITDA ▲+0.718Working capital ▲+363200000.000Invested capital ▲+356800000.000Intangibles / Total assets ▲+0.001
Employee count
Peer market caps
Congressional trades
Recent trades
| Date | Representative | Type | Amount |
|---|---|---|---|
| 2025-10-30 | Lisa C. McClain | Sale (Full) | $1,001 - $15,000 |
| 2025-10-29 | Lisa C. McClain | Sale (Full) | $1,001 - $15,000 |
| 2025-10-29 | Lisa C. McClain | Purchase | $1,001 - $15,000 |
| 2025-08-03 | Lisa C. McClain | Purchase | $1,001 - $15,000 |
| 2025-06-16 | Lisa C. McClain | Sale (Full) | $1,001 - $15,000 |
| 2025-06-10 | Lisa C. McClain | Purchase | $1,001 - $15,000 |
| 2023-04-10 | Daniel Goldman | Sale | $1,001 - $15,000 |
| 2023-02-28 | Daniel Goldman | Purchase | $1,001 - $15,000 |
| 2023-01-09 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2022-12-06 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2020-03-17 | Gilbert Ray Cisneros | Sale (Full) | $1,001 - $15,000 |
| 2019-11-21 | Dean Phillips | Purchase | $1,001 - $15,000 |
| 2019-08-13 | Gilbert Ray Cisneros | Purchase | $1,001 - $15,000 |
Recent news
- 2026-09-12 Amundi Acquires 312,999 Shares of Unum Group $UNM Amundi grew its holdings in shares of Unum Group (NYSE: UNM) by 1,140.5% in the undefined quarter, according to its most recent disclosure with the SEC. The fund owned 340,443 shares of the financial services provider''s stock after purchasing an additional 312,999 shares during the period. Amundi owned approximately 0.22% of Unum Group
- 2026-09-09 Unum Group (UNM) Presents at KBW Insurance Conference 2026 Transcript Unum Group (UNM) Presents at KBW Insurance Conference 2026 Transcript
- 2026-09-08 Nykredit A S Purchases Shares of 6,189 Unum Group $UNM Nykredit A S purchased a new position in shares of Unum Group (NYSE: UNM) during the undefined quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission (SEC). The firm purchased 6,189 shares of the financial services provider''s stock, valued at approximately $553,000. A number of other hedge
- 2026-08-27 Unum Group to Present at the KBW Insurance Conference CHATTANOOGA, Tenn.--(BUSINESS WIRE)--Unum Group''s (NYSE: UNM) President & CEO, Rick McKenney will represent the company at the KBW Insurance Conference. McKenney is scheduled to speak at the conference at 2:05 p.m. ET on Wednesday, September 9, 2026. He will discuss the company''s business strategy and future growth prospects. A live audio webcast of the presentation will be available on the Investors section of Unum''s website, www.investors.unum.com, on the News and Events page. ABOUT UNUM.
- 2026-08-27 Why Is Unum (UNM) Up 9.4% Since Last Earnings Report? Unum (UNM) reported earnings 30 days ago. What''s next for the stock?
- 2026-08-27 Unum Group Strengthens Capital Returns With New $1B Share Buyback UNM''s new $1 billion buyback authorization reinforces shareholder returns, backed by strong capital and recurring repurchases.
- 2026-08-26 Unum Group''s Board of Directors Authorizes $1 Billion Share Repurchase Program CHATTANOOGA, Tenn.--(BUSINESS WIRE)--Unum Group (NYSE: UNM) announced today that its board of directors has approved a new share repurchase program authorizing the company to repurchase up to $1 billion of its common stock from time to time beginning on September 1, 2026. The company''s current share repurchase program will continue in effect through August 31, 2026, at which time the current program will terminate and all subsequent repurchases will take place under the new program. The timing.
- 2026-08-25 Bank of New York Mellon Corp Sells 81,036 Shares of Unum Group $UNM Bank of New York Mellon Corp lowered its position in shares of Unum Group (NYSE: UNM) by 6.2% in the second quarter, according to its most recent disclosure with the SEC. The institutional investor owned 1,221,361 shares of the financial services provider''s stock after selling 81,036 shares during the quarter. Bank of New
- 2026-08-25 Bank of Nova Scotia Buys New Position in Unum Group $UNM Bank of Nova Scotia purchased a new stake in Unum Group (NYSE: UNM) in the second quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission. The institutional investor purchased 142,302 shares of the financial services provider''s stock, valued at approximately $12,722,000. Bank of Nova Scotia owned about
- 2026-08-22 7,732 Shares in Unum Group $UNM Bought by Advisors Capital Management LLC Advisors Capital Management LLC purchased a new stake in Unum Group (NYSE: UNM) during the undefined quarter, according to the company in its most recent Form 13F filing with the Securities and Exchange Commission. The fund purchased 7,732 shares of the financial services provider''s stock, valued at approximately $691,000. A number of other