Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Unum GroupUNM -1.53%67 Debt-to-EBITDA is 2.43 as of Mar. 2026, which is 27% above its 10-year median of 1.92. GuruFocus rates UNM with a GF Score™ of 67/100 and a GF Value™ of $73.14 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 320 Insurance companies, Unum Group ranks worse than 77.81% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Unum Group's Debt-to-EBITDA or its related term are showing as below:
UNM'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.46 Med: 1.92 Max: 3.31
Current: 2.83
During the past 13 years, the highest Debt-to-EBITDA Ratio of Unum Group was 3.31. The lowest was 1.46. And the median was 1.92.
UNM's Debt-to-EBITDA is ranked worse than 77.81% of 320
companies
in the Insurance industry
Industry Median: 1.175
vs UNM: 2.83
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Unum Group Debt-to-EBITDA Related Terms
Unum Group Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Unum Group's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Life subindustry, Unum Group's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Unum Group Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Unum Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Unum Group's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Unum Group (UNM) has a Debt-to-EBITDA of 2.43 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Unum Group. This is 27% above median its historical median of 1.92. Over the past decade, Unum Group's Debt-to-EBITDA has ranged from 1.46 to 3.31. According to the industry distribution chart, Unum Group ranks #249 out of 320 companies in the Insurance industry, placing it in the top 77.8%.
Is Unum Group's Debt-to-EBITDA too high?
Unum Group's current Debt-to-EBITDA of 2.43 is 27% above median its 10-year median of 1.92. Over the past 10 years, this metric has ranged from a low of 1.46 to a high of 3.31. The Insurance industry median Debt-to-EBITDA is 1.18. Unum Group's value of 2.43 is 106.8% above this industry median. Based on the distribution chart, Unum Group ranks #249 out of 320 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Unum Group has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Unum Group's Debt-to-EBITDA compare to GL and PRI?
According to the Insurance industry distribution chart, Unum Group ranks #249 out of 320 companies for Debt-to-EBITDA. This places Unum Group in the lower half of its industry. The industry median Debt-to-EBITDA is 1.18. Unum Group's value of 2.43 is 106.8% above this benchmark. Historically, Unum Group's own Debt-to-EBITDA has ranged from 1.46 to 3.31 over the past decade. While the company's 10-year median is 1.92 vs. the industry median of 1.18, Unum Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.18, based on 320 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Unum Group's current Debt-to-EBITDA of 2.43 is 106.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Unum Group. For the Insurance industry, the median Debt-to-EBITDA is 1.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unum Group's current Debt-to-EBITDA is 2.43, which is 27% above median its own 10-year median of 1.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Unum Group stock overvalued right now?
Based on GuruFocus' analysis, Unum Group (UNM) is currently considered Modestly Overvalued. The stock's GF Value™ is $73.14, compared to a current price of $86.45 — trading 18.2% above its estimated fair value. The current Debt-to-EBITDA is 2.43, which is 27% above median its 10-year median of 1.92 and 106.8% above the Insurance industry median of 1.18. Unum Group's overall GF Score™ is 67/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Unum Group (UNM), the current Debt-to-EBITDA is 2.43 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Unum Group (UNM) Overvalued in 2026?
Based on GuruFocus' analysis, Unum Group stock appears to be overvalued.
The current stock price of $86.45 is trading 18.2% above its estimated GF Value™ of $73.14.
GuruFocus considers Unum Group to be Modestly Overvalued.
Key valuation signals for UNM:
Debt-to-EBITDA: 2.43 (27% above median its 10-year median of 1.92)
GF Value™: $73.14 vs. price of $86.45 (18.2% above fair value)
Industry Position: 106.8% above the Insurance median (#249 of 320)
No single metric tells the full story. See the UNM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
67GF Score
Get the complete analysis for UNM
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
UNM has been successfully added to your 
