Unum Group
UNMFinancial ServicesNASDAQInsurance - Life · Last scanned May 30, 2026
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Daily timeframePart of the financial services sector, Unum Group (UNM) is listed under Insurance - Life. The $13.30B market capitalization puts UNM squarely in large-cap range for its industry. It operates through Unum US, Unum International, Colonial Life, and Closed Block segments.
Market Cap
$13.30B
Beta
0.23
P/E (TTM)
18.02
P/E (Fwd)
8.54
EPS (TTM)
$4.62
EPS (Fwd)
$9.74
ROE
7.1%
ROA
1.2%
Cash
$2.25B
Total Debt
$4.02B
Free CF
-$1.82B
52W Change
1.6%
Annual Financials
Cash vs Debt
On the balance sheet, UNM has $2.25B in cash with $4.02B in obligations. The ability to service this debt comfortably depends on continued operational cash generation. Free cash flow is running at -$1.82B, which bears watching. Negative free cash flow can be acceptable during heavy investment periods but needs to improve over time. ROE of 7.1% points to modest capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.2% is on the lower side, which is common in asset-heavy industries. Revenue has been relatively flat, moving from $11.88B (2022) to $12.98B (2025).
UNM's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. The company is burning cash at the operating level, which is not unusual for growth-phase companies but adds risk if it persists. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Unum Group and its sector.