Unum Group (UNM)

Unum Group's stock increased by 8.77% in the past six months. However, the Q4 2025 earnings report significantly impacted the stock price due to missed analyst expectations for EPS and revenue. The reported GAAP profit was $1.04 per share, below the estimate of $2.05, and sales were flat year-on-year at $3.24 billion, missing estimates of $3.29 billion. For the full year 2025, adjusted EPS decreased to $8.13. The company's 52-week stock price has ranged between $66.81 and $84.48.

Demand for Unum Group's integrated benefits is ongoing from employers. The company is positioned for consistent premium growth, with core operations premium growing nearly 4.5% in Q4 2025 and a projected long-term target range of 4% to 7% for 2026. Market growth for products like disability insurance and absence management services has normalized to approximately 2% to 3% per year. Unum's investments in digital capabilities are contributing to customer retention and growth.

Unum Group is a leading international provider of financial protection benefits and workplace services in the insurance sector. The company offers disability insurance, group life and accidental death and dismemberment products, and supplemental benefits like accident, critical illness, dental, and vision insurance. They also provide leave and absence management support and behavioral health services, operating through segments like Unum US, Unum UK, Colonial Life, Unum Ireland, Unum Poland, and a Closed Block segment.

Unum Group has an international presence in North America and Europe. Its headquarters are in Chattanooga, Tennessee, with U.S. offices in Portland, Maine; Columbia, South Carolina; Baton Rouge, Louisiana; and Atlanta, Georgia. In the United Kingdom, it has offices in Milton Court, Dorking, Surrey, Basingstoke, and Hampshire, England. Unum Group also has operations in Warsaw, Poland, and a technology hub in Carlow, County Carlow, Ireland.

Unum Group has maintained a strong brand reputation, being recognized as one of the World's Most Ethical Companies by Ethisphere® for five consecutive years. In 2022, Forbes recognized Unum as one of America's Best Employers for Diversity, ranking it 39th out of 500 companies. The company also received the Business Group on Health Best Employers: Excellence in Health & Well-being Award in 2022 for its employee well-being initiatives. Unum is committed to corporate social responsibility through efforts in reducing its carbon footprint and charitable contributions.

Institutional investors hold approximately 81% of Unum Group's stock. The Vanguard Group, Inc. is the largest institutional shareholder, holding 12% of the shares. Other significant institutional owners include Blackrock Inc., Fmr LLC, First Trust Advisors LP, Charles Schwab Investment Management Inc., State Street Corp, Dimensional Fund Advisors LP, Morgan Stanley, and Geode Capital Management LLC. Relational Investors LLC is identified as the largest individual shareholder, owning 21.49% of the company's shares.