Pulling SEC filings + quote and writing the call…
Pulling SEC filings + quote and writing the call…

Unum Group
Next earnings Jul 28, 2026 (after close) · consensus $2.19 EPS, $2.99B rev
Last earnings +0.9% on 2026-04-28
GAAP EPS halved on one-time reserve/pension charges, but adjusted EPS of $8.13 and aggressive buybacks make ~11x normalized a buy.
Sources: SEC EDGAR (CIK 0000005513, latest 10-Q filed 2026-04-29) · EODHD · analysis by claude-code · as of 6/21/2026, 8:44:25 PM.
Research and education only — not financial advice. Calls are generated from SEC filings and a delayed/third-party price feed, may be wrong or out of date, and are not a recommendation to buy or sell any security. Do your own research.
The fundamentals carry the rating, but the price is rich (~67% above our fair-value estimate) — a quality-at-a-price call. The case rests on the business, not the entry; patient buyers may wait for a pullback.
Unum's headline FY2025 collapse is misleading. Net income fell 58.5% to $739M and EPS to $4.27, but management details that this absorbed a string of non-recurring items: a $478.5M pre-tax ($2.18/share) net reserve increase from annual assumption updates, a $103.8M pension-plan annuity-purchase settlement loss, reinsurance cost amortization tied to the Fortitude Re transaction, and a net investment loss. Excluding these, after-tax adjusted operating income was $1,406.0M, or $8.13 per diluted share — only modestly below FY2024's $8.44 adjusted. On that normalized base, the stock trades around 11x, not the 21.1x trailing GAAP multiple, and 1.1x sales.
The risks, catalysts, 12-month price target and the cited SEC figures behind this rating — with Pro.
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| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $12.0B | $12.0B | $12.4B | $12.9B | $13.1B |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $981M | $1.41B | $1.28B | $1.78B | $739M |
| Diluted EPS | $4.79 | $6.96 | $6.50 | $9.46 | $4.27 |
| Net margin | 8.2% | 11.7% | 10.4% | 13.8% | 5.6% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosed under the STOCK Act
Self-reported periodic transaction reports (STOCK Act). Amounts are disclosed ranges; a trade may be a spouse's. Disclosures lag the trade by up to ~45 days. Source: House Clerk + Senate eFD.
1482 tracked peers · median
Source: EODHD. Yield = trailing-12-month dividends ÷ price.
Dates from 8-K (Item 2.02); beat/miss = reported EPS vs consensus (Finnhub, recent quarters); move = prior close → close on/after.
| 2026-05-26 | O HANLEY RONALD P Director | Award | 2.19K | |
| 2026-05-26 | O HANLEY RONALD P Director | Award | 1.78K | |
| 2026-05-26 | Matus Kristi Ann Director | Award | 2.19K | |
| 2026-05-26 | Lefebvre Mojgan M Director | Award | 2.19K | |
| 2026-05-26 | KING GALE V. Director | Award | 2.19K | |
| 2026-05-26 | Keaney Timothy F Director | Award | 2.19K | |
| 2026-05-26 | KABAT KEVIN T Director | Award | 2.19K | |
| 2026-05-26 | KABAT KEVIN T Director | Award | 1.33K | |
| 2026-05-26 | Egan Cynthia Director | Award | 2.19K | |
| 2026-05-26 | Echevarria Joseph Director | Award | 2.19K | |
| 2026-05-26 | Echevarria Joseph Director | Award | 1.54K |
Recent news tone vs the market's typical (which skews positive). A soft signal, not a recommendation.