Unum Group (BSP:U1NM34) EBIT: R$6,512 Mil (TTM As of Mar. 2026)


BSP:U1NM34 Unum Group BSP:U1NM34
66 GF Score
Price R$469.23
GF Value R$374.76
! 7 Warning Signs
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What is Unum Group EBIT?

Unum Group BSP:U1NM34 66 EBIT is R$6,512 Mil as of Mar. 2026. GuruFocus rates BSP:U1NM34 with a GF Score™ of 66/100 and a GF Value™ of R$374.76. The stock has 7 warning signs investors should review.

Unum Group's earnings before interest and taxes (EBIT) for the three months ended in Mar. 2026 was R$1,861 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2026 was R$6,512 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Unum Group's annualized ROC % for the quarter that ended in Mar. 2026 was 1.69%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Unum Group's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 6.97%.


Unum Group  (BSP:U1NM34) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Unum Group's annualized ROC % for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=EBIT * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=7442.768 * ( 1 - 23.36% )/( (346269.487 + 327376.46345)/ 2 )
=5704.1373952/336822.975225
=1.69 %

where

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=346542.791 - 284.788 - ( 863.092 - 5% * 17491.52 )
=346269.487

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=327970.703 - 458.113 - ( 1007.221 - 5% * 17421.889 )
=327376.46345

Note: The EBIT data used here is four times the quarterly (Mar. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Unum Group's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Mar. 2026 )
=6512.399/93428.799
=6.97 %

* 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 EBIT Related Terms


Unum Group EBIT Historical Data

* Premium members only.

The historical data trend for Unum Group's EBIT 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 EBIT Chart

Unum Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 8,174.72 10,168.21 8,990.64 14,962.09 6,232.05

Unum Group Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EBIT Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1,702.09 2,600.98 572.23 1,478.50 1,860.69

BSP:U1NM34 vs GL, PRI, JXN: EBIT Comparison

For the Insurance - Life subindustry, Unum Group's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Insurance Industry

For the Insurance industry and Financial Services sector, Unum Group's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Unum Group's EV-to-EBIT falls into.


BSP:U1NM34
66GF Score
Unum Group BSP:U1NM34
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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Unum Group EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was R$6,512 Mil.

* 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.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of R$6,512 Mil mean?
Unum Group (BSP:U1NM34) has a EBIT of R$6,512 Mil as of Mar. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Unum Group.
Is Unum Group's EBIT too high?
Unum Group's current EBIT is R$6,512 Mil. Overall, Unum Group has a GF Score™ of 66/100, reflecting its overall financial health beyond just this single metric.
How does Unum Group's EBIT compare to GL and PRI?
Unum Group's EBIT of R$6,512 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for an Insurance company?
A good EBIT depends on the Insurance industry context. However, EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Unum Group. Unum Group's current EBIT is R$6,512 Mil. 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?
Unum Group (BSP:U1NM34) has a current EBIT of R$6,512 Mil. The stock's GF Value™ is R$374.76, compared to a current price of R$469.23 — trading 25.2% above its estimated fair value. The current EBIT is R$6,512 Mil. Unum Group's overall GF Score™ is 66/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For Unum Group (BSP:U1NM34), the current EBIT is R$6,512 Mil 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 (BSP:U1NM34) Overvalued in 2026?

Based on GuruFocus' analysis, Unum Group stock appears to be overvalued. The current stock price of R$469.23 is trading 25.2% above its estimated GF Value™ of R$374.76.

Key valuation signals for BSP:U1NM34:

  • EBIT: R$6,512 Mil
  • GF Value™: R$374.76 vs. price of R$469.23 (25.2% above fair value)
  • GF Score™: 66/100 with 7 warning signs

No single metric tells the full story. See the BSP:U1NM34 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Unum Group Business Description

Other Exchanges UNM:USA0LJN:UKUUM:Germany
Address 1 Fountain Square, Chattanooga, TN, USA, 37402
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

Get the complete analysis for BSP:U1NM34

EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R$469.23
Price
R$374.76
GF Value