Unum (UNM)
NYSEFinancialsInsurance - LifeSnapshot 2026-11-04
$74.79-17.84%
Close 2026-11-04 · 1-day change
NYSEFinancialsInsurance - LifeSnapshot 2026-11-04
QuarterlyIQ Insights · UNM
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -23.0% |
| Our one-year growth estimate | diamond | -6.1% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 17.0 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 5 industry peers · Company calendar date is not available
UNM — dividend update
Dated 2026-05-21
Other Events. On May 21, 2026, Unum Group announced that its Board of Directors has authorized an increase in the quarterly dividend to be paid on its common stock. The new quarterly dividend rate of 50.5 cents per common share, or $2.02 per share on an annual basis, will be effective with the dividend expected to be paid in the third quarter of 2026. A copy of the news release concerning the dividend increase is filed herewith as Exhibit 99.1 and incorporated herein by reference.
Why it matters: The deal would further cut risk in Unum’s Closed Block. Management said it was on track to close in the second half of 2026.
Supportive ifUnum reports that the $3.8 billion long-term care reinsurance deal closed by December 31, 2026.
Worry ifUnum reports that the deal did not close by December 31, 2026, or that it was canceled.
Why it matters: Premiums grew in both reported quarters, while sales growth cooled in Q2. A steady premium pace would show continued demand and retention.
Supportive ifQ3 core operations premium growth, on a constant currency basis, is at least 3.0% year over year.
Worry ifQ3 core operations premium growth, on a constant currency basis, is below 3.0% year over year.
Why it matters: The UK benefit ratio rose to 82.2% in Q2, as claims grew in group long-term disability. A further rise may pressure UK earnings.
Worry ifThe Unum UK benefit ratio is above 82.2% in the next reported quarter.
Less concerning ifThe Unum UK benefit ratio falls to 82.2% or lower in the next reported quarter.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$102 on $10,000 · ±1.0% | How much price usually moves either way. |
| Bad day | $225 loss on $10,000 · 2.3% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $2,255 loss on $10,000 · 22.6% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.