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Unum GroupUNM +0.84%66 Earnings Yield (Joel Greenblatt) % is 6.30% as of Jun. 2026, which is 54% below its 10-year median of 13.69. GuruFocus rates UNM with a GF Score™ of 66/100 and a GF Value™ of $79.83 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 511 Insurance companies, Unum Group ranks worse than 53.23% on this metric.
Unum Group's Enterprise Value for the quarter that ended in Jun. 2026 was $17,717 Mil.
Unum Group's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 was $1,116 Mil. Unum Group's Earnings Yield (Joel Greenblatt) for the quarter that ended in Jun. 2026 was 6.30%.
The historical rank and industry rank for Unum Group's Earnings Yield (Joel Greenblatt) % or its related term are showing as below:
UNM'
s Earnings Yield (Joel Greenblatt) % Range Over the Past 10 Years
Min: 6.09 Med: 13.69 Max: 28.79
Current: 6.23
During the past 13 years, the highest Earnings Yield (Joel Greenblatt) of Unum Group was 28.79%. The lowest was 6.09%. And the median was 13.69%.
UNM's Earnings Yield (Joel Greenblatt) % is ranked worse than 53.23% of 511
companies
in the Insurance industry
Industry Median: 7.09
vs UNM: 6.23
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
A better indicator of the attractiveness of an investment which takes growth into account is the Forward Rate of Return (Yacktman) %. Unum Group's Forward Rate of Return (Yacktman) % for the quarter that ended in Jun. 2026 was 12.23%. The Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
Unum Group (NYSE:UNM) Earnings Yield (Joel Greenblatt) % Explanation
Joel Greenblatt defines the earnings yield using the above equation because it more accurately reflects the company's profitability relative to its stock price. Items like interest payment and tax etc. are not directly related to the company's operational profitability.
Enterprise Value instead of market cap (share price) is used in the calculation because it is the real price stock and bond investors together pay for the company.
Be Aware
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
Unum Group Earnings Yield (Joel Greenblatt) % Related Terms
Unum Group Earnings Yield (Joel Greenblatt) % Historical Data
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The historical data trend for Unum Group's Earnings Yield (Joel Greenblatt) % 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.
Unum Group Earnings Yield (Joel Greenblatt) % Chart
For the Insurance - Life subindustry, Unum Group's Earnings Yield (Joel Greenblatt) %, along with its competitors' market caps and Earnings Yield (Joel Greenblatt) % 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 Earnings Yield (Joel Greenblatt) % vs Insurance Industry
For the Insurance industry and Financial Services sector, Unum Group's Earnings Yield (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Unum Group's Earnings Yield (Joel Greenblatt) % falls into.
Unum Group Earnings Yield (Joel Greenblatt) % Calculation
In his book, The Little That Beat the Market, hedge fund manager Joel Greenblatt defines Earnings Yield as operating income divided by enterprise value.
Unum Groups Earnings Yield (Joel Greenblatt) for the fiscal year that ended in Dec. 2025 is calculated as
Unum Group's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1,116 Mil.
What does a Earnings Yield (Joel Greenblatt) % of 6.30% mean?
Unum Group (UNM) has a Earnings Yield (Joel Greenblatt) % of 6.30% as of Jun. 2026. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on Unum Group and its competitors. This is 54% below median its historical median of 13.69. Over the past decade, Unum Group's Earnings Yield (Joel Greenblatt) % has ranged from 6.09 to 28.79. According to the industry distribution chart, Unum Group ranks #272 out of 511 companies in the Insurance industry, placing it in the top 53.2%.
Is Unum Group's Earnings Yield (Joel Greenblatt) % too high?
Unum Group's current Earnings Yield (Joel Greenblatt) % of 6.30% is 54% below median its 10-year median of 13.69. Over the past 10 years, this metric has ranged from a low of 6.09 to a high of 28.79. The Insurance industry median Earnings Yield (Joel Greenblatt) % is 7.09. Unum Group's value of 6.30% is 11.1% below this industry median. Based on the distribution chart, Unum Group ranks #272 out of 511 companies in the Insurance industry, which is below the industry midpoint. Overall, Unum Group has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Unum Group's Earnings Yield (Joel Greenblatt) % compare to GL and PRI?
According to the Insurance industry distribution chart, Unum Group ranks #272 out of 511 companies for Earnings Yield (Joel Greenblatt) %. This places Unum Group in the lower half of its industry. The industry median Earnings Yield (Joel Greenblatt) % is 7.09. Unum Group's value of 6.30% is 11.1% below this benchmark. Historically, Unum Group's own Earnings Yield (Joel Greenblatt) % has ranged from 6.09 to 28.79 over the past decade. While the company's 10-year median is 13.69 vs. the industry median of 7.09, Unum Group has consistently been below 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 Earnings Yield (Joel Greenblatt) % for an Insurance company?
The median Earnings Yield (Joel Greenblatt) % among Insurance companies is 7.09, based on 511 companies in the industry. Companies in the top quartile (top 25%) have a Earnings Yield (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, Earnings Yield (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Unum Group's current Earnings Yield (Joel Greenblatt) % of 6.30% is 11.1% below 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 Earnings Yield (Joel Greenblatt) % mean?
A high Earnings Yield (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on Unum Group and its competitors. For the Insurance industry, the median Earnings Yield (Joel Greenblatt) % is 7.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unum Group's current Earnings Yield (Joel Greenblatt) % is 6.30%, which is 54% below median its own 10-year median of 13.69. 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 $79.83, compared to a current price of $90.56 — trading 13.4% above its estimated fair value. The current Earnings Yield (Joel Greenblatt) % is 6.30%, which is 54% below median its 10-year median of 13.69 and 11.1% below the Insurance industry median of 7.09. Unum Group's overall GF Score™ is 66/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings Yield (Joel Greenblatt) % calculated?
Earnings Yield (Joel Greenblatt) % is calculated from a company's financial statements. For Unum Group (UNM), the current Earnings Yield (Joel Greenblatt) % is 6.30% 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 $90.56 is trading 13.4% above its estimated GF Value™ of $79.83.
GuruFocus considers Unum Group to be Modestly Overvalued.
Key valuation signals for UNM:
Earnings Yield (Joel Greenblatt) %: 6.30% (54% below median its 10-year median of 13.69)
GF Value™: $79.83 vs. price of $90.56 (13.4% above fair value)
Industry Position: 11.1% below the Insurance median (#272 of 511)
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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