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Unum

UNM
48
Insurance - Life · Financial Services
Also trades as: 0LJN.L GBP 0.93 (+0.61%)
Price
$93.75
+0.04 (+0.04%)
Market Cap
$14.84B
Exchange
New York Stock Exchange
Winston Score
48
Winston is serious
Mixed quality — meaningful strengths and weaknesses.
Data as of Oct 23, 2026 · filings through Jun 30, 2026

§How the score breaks down

Quality
Mixed
10/30
Growth
Weak
4/20
Cash Flow
Strong
7/10
Stability
Strong
7/10
Valuation
Strong
7/10
Ownership
Good
10/15
Dividends
Good
3/5

48 of 100 counted points = Winston Score 48.

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Share count falling — buybacks

−15.6% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 204.8M (2021) → 172.9M (2025)

§Winston Score History

The full picture

Unum Group is an insurance company that sells policies to protect people when they can't work due to illness or injury. Its main products are disability insurance, life insurance, and voluntary benefits — extras like accident or critical illness coverage that workers can add through their employer. Unum is one of the largest group disability insurers in the United States and also operates in the United Kingdom and Poland.

The company mostly sells through employers, who offer Unum's policies as part of their benefits packages to employees. This gives Unum a steady stream of premium payments from a large, diversified base of policyholders across the U.S. and U.K. With a market cap around $13 billion, it is a mid-sized insurer with a long track record in the workplace benefits market. The main risk Unum faces is that claims can rise sharply during economic downturns or health crises, which can squeeze profits even when premium revenue stays stable.

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Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-1.6% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-16.6% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

10.4%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$43.9B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

Unum's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Profit per sale
Gross Margin
39.2%
Modest — 39.2% gross margin
Profit after running costs
Operating Margin
10.0%
Modest — 10.0% operating margin
Return on the money invested
ROCE
6.2%
Weak — 6.2% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth
Sales YoY
+3.3%
Slow sales growth (+3.3% YoY)
Profit growth
EPS YoY
-48.8%
Earnings shrinking (-48.8% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

How steady the profit is
EPS Consistency
3/8 quarters
Earnings rarely grow — volatile business

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Cash Flow

Profit that turns into cash
Cash Conversion
118%
Turns 118% of profit into real cash
Spare cash per sale
FCF Margin
5.2%
Thin free cash flow (5.2%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

What it owes vs what it owns
Debt / Equity
0.35
Conservative — low debt load (0.35)
Covers its interest
Interest Cover
4.29x
Adequate interest coverage (4.3x)

Interest coverage between 3 and 8. Profits cover interest several times over.

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Valuation

Price vs profit
P/E Ratio (TTM)
21.9x
Growth-priced — P/E 21.9

P/E above the market average. People are paying up for expected growth.

Cheaper or dearer next year
P/E vs Forward
+11.8
GROWING
Earnings expected to grow meaningfully — cheaper on forward P/E (21.9 → 10.0)

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Dividends

Dividend
Dividend Yield
2.19%
Moderate income — 2.19% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record
Dividend Growth
+9.6%
Dividend growing modestly (9.6% YoY)
Payout Ratio
44%
no trend
Pays out a modest share of profit and keeps the rest to reinvest. Room to keep paying through a weak year.

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