Unum Group

Unum Group

UNMยทNYSE

$83.51

+0.096%
Financial ServicesInsurance - Life

Unum Group, together with its subsidiaries, provides financial protection benefit solutions primarily in the United States, the United Kingdom, and Poland. It operates through Unum US, Unum International, 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, consultants, and independent contractor agency sales force. The company was founded in 1848 and is based in Chattanooga, Tennessee.

At a Glance

Live Snapshot
Market Cap$13.34B
EPS4.2800
P/E Ratio19.51
Earnings Date07/28/2026
Unum Group

Unum Group Fair Value Envelope

UNM ยท NYSE

Our analysis suggests that UNM has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $83.51, this represents a potential HIDDEN relative to our calculated worth for Unum Group.

Intrinsic Value
Current Price: $83.51

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$574.9M
+ Cash & Equivalents$158.2M
Firm Value$733.1M
- Debt$3.9B
Equity Value-$3.2B
/ Shares Outstanding167,331,269B
DCF Value-$19
OVERVALUED BY 123%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$343.9M
$171.9M
$86.0M
$43.0M
$21.5M
$10.7M
$5.4M
$2.7M
$1.3M
$671.6K
Maintenance CapEx
-$13.2M
-$6.6M
-$3.3M
-$1.7M
-$826.9K
-$413.4K
-$206.7K
-$103.4K
-$51.7K
-$25.8K
Owner Earnings
$330.6M
$165.3M
$82.7M
$41.3M
$20.7M
$10.3M
$5.2M
$2.6M
$1.3M
$645.7K
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$306.1M
$141.7M
$65.6M
$30.4M
$14.1M
$6.5M
$3.0M
$1.4M
$646.1K
$299.1K
Terminal Value represents 0.9% of Enterprise Value