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Unum GroupUNM -0.76%66 Debt-to-Equity is 0.35 as of Jun. 2026, which is 3% above its 10-year median of 0.34. GuruFocus rates UNM with a GF Score™ of 66/100 and a GF Value™ of $79.75 (Fairly Valued). The stock has 4 warning signs investors should review. Among 406 Insurance companies, Unum Group ranks worse than 68.97% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Unum Group's Debt-to-Equity or its related term are showing as below:
UNM'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.3 Med: 0.34 Max: 0.4
Current: 0.35
During the past 13 years, the highest Debt-to-Equity Ratio of Unum Group was 0.40. The lowest was 0.30. And the median was 0.34.
UNM's Debt-to-Equity is ranked worse than 68.97% of 406
companies
in the Insurance industry
Industry Median: 0.2
vs UNM: 0.35
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Unum Group Debt-to-Equity Related Terms
Unum Group Debt-to-Equity Historical Data
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The historical data trend for Unum Group's Debt-to-Equity 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-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Unum Group's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Unum Group's Debt-to-Equity 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.
Unum Group (UNM) has a Debt-to-Equity of 0.35 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Unum Group and its competitors. This is near median its historical median of 0.34. Over the past decade, Unum Group's Debt-to-Equity has ranged from 0.30 to 0.40. According to the industry distribution chart, Unum Group ranks #280 out of 406 companies in the Insurance industry, placing it in the top 69%.
Is Unum Group's Debt-to-Equity too high?
Unum Group's current Debt-to-Equity of 0.35 is near median its 10-year median of 0.34. Over the past 10 years, this metric has ranged from a low of 0.30 to a high of 0.40. The Insurance industry median Debt-to-Equity is 0.20. Unum Group's value of 0.35 is 75% above this industry median. Based on the distribution chart, Unum Group ranks #280 out of 406 companies in the Insurance industry, which is below the industry midpoint. Overall, Unum Group has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Unum Group's Debt-to-Equity compare to GL and PRI?
According to the Insurance industry distribution chart, Unum Group ranks #280 out of 406 companies for Debt-to-Equity. This places Unum Group in the lower half of its industry. The industry median Debt-to-Equity is 0.20. Unum Group's value of 0.35 is 75% above this benchmark. Historically, Unum Group's own Debt-to-Equity has ranged from 0.30 to 0.40 over the past decade. While the company's 10-year median is 0.34 vs. the industry median of 0.20, 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-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.20, based on 406 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Unum Group's current Debt-to-Equity of 0.35 is 75% 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-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Unum Group and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unum Group's current Debt-to-Equity is 0.35, which is near median its own 10-year median of 0.34. 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 Fairly Valued. The stock's GF Value™ is $79.75, compared to a current price of $86.11 — trading 8% above its estimated fair value. The current Debt-to-Equity is 0.35, which is near median its 10-year median of 0.34 and 75% above the Insurance industry median of 0.20. Unum Group's overall GF Score™ is 66/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Unum Group (UNM), the current Debt-to-Equity is 0.35 as of Jun. 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 $86.11 is trading 8% above its estimated GF Value™ of $79.75.
GuruFocus considers Unum Group to be Fairly Valued.
Key valuation signals for UNM:
Debt-to-Equity: 0.35 (near median its 10-year median of 0.34)
GF Value™: $79.75 vs. price of $86.11 (8% above fair value)
Industry Position: 75% above the Insurance median (#280 of 406)
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.
66GF Score
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