Down 18% on Nov 4, and still 12% under its Nov 3 close.
−1Growth
Up 261% over the five years to Nov 9 while the S&P 500 rose 72%; down 18% on Nov 4.
2 reasons, from its filings, with the timeline and its peers, for Pro members.
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| The company | A $243M profit |
| Latest filing | 10-Q, Nov 4 |
Thu Nov 5Unum Group (UNM) Stock Forecasts
Wed Feb 3: Q4 2026 Earnings Conference CallDate confirmed.
After its last 4 reports it closed -4.9% on average, higher 1 of 4 times.
UNM is #5 of 5 by Quality Score.
| Rank | Stock | Quality Score |
|---|---|---|
| 1 | ||
| 2 | ||
| 3 | ||
| Open for its score | ||
| 5 |
Share count against a year before: UNM -6.8%, PRCH +8.8%, PFG -3.8%, CNO -4.6%.
Reports Tue Feb 2, after the close (in 84 days). Confirmed.
What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.
The figures are not read from the release yet.
“The annual GAAP reserve assumption updates increased net income by $23.5 million, reflecting a decrease in reserves driven primarily by favorable trends in Unum US and Colonial Life.”
UNM's results filing gives no sales by line in a table we read.
| Measure | Figure |
|---|---|
| After-tax adjusted operating income per share | $8.30 to $8.50 |
“The Closed Block segment reported a segment adjusted operating loss of $135.6 million in the third quarter of 2026, a decrease compared to segment adjusted operating loss of $682.3 million in the third quarter of 2025, driven primarily by less unfavorable reserve assumption updates.”
From its results filing (SEC filing · Nov 3)
Sales fell 0.1% a year over 5 years, fiscal 2020 to 2025.
Pays $2.02 a share a year.
| Reported | Gap | Reaction | 5 days |
|---|---|---|---|
| Nov 3, 2026 | -17.6% | -17.8% | -10.8% |
| Jul 28, 2026 | -5.0% | -4.9% | +3.9% |
| Apr 28, 2026 | +2.8% | +4.5% | +3.9% |
Sales grew in five of the last seven years, to $13B in 2025. It made a profit in each of the eight years.
RSI 38.4, MACD below signal, below both averages. Not scored.
Its dividends come to 20% of its free cash flow.
| Dividend | $2.02 a share a year |
| Paid out | About $323M a year |
| Free cash flow | $1.6B |
| Record | Raised every year since 2017 |
3 insiders sold $988K across 3 filings in the last 6 months. No open-market buys on record. The newest:
Officers and directors with a Form 4 in the last 12 months.
In ETFs: UNM is under 0.1% of VYM, under 0.1% of DGRO, and under 0.1% of VIG, the most of the 24 funds Breakaway covers, by their holdings as filed for Jul 31, 2026.
Unum Group is a provider of group and individual income protection insurance products in the United States, the United Kingdom, Poland, and other countries. It is the domestic disability insurer, with the majority of premiums generated from employer plans. The company also offers a complementary portfolio of other insurance products, including long-term care insurance, life insurance, and employer- and employee-paid group benefits. It has the following operating business segments: Unum USA, Unum International, Closed Block, Colonial Life, and Corporate. The Unum USA segment generates the majority of revenue. The firm markets its products through brokers.
“There is significant competition among insurance companies for the types of products we sell.”
UNM scores 6 today, which Breakaway calls Average. It is #5 of 5 in Accident & Health Insurance by Quality Score, with 2 of 14 chart checks firing. Down 18% on Nov 4, and still 12% under its Nov 3 close. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.
UNM scores 6 today, which Breakaway calls Average (6 to 10). That is #5 of 5 in Accident & Health Insurance by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind UNM's 6.
3 insiders sold $988K across 3 filings in the last 6 months. No open-market buys on record. The newest is Timothy F. Keaney, Director, who sold $404K on Sep 10. Every filing, with the scored weight, for Pro members.
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Insider and Congress trades, the chart, and the financials, in one score.
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