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Unum GroupUNM -1.90%65 3-Year EBITDA Growth Rate is -10.30% as of Jun. 2026. GuruFocus rates UNM with a GF Score™ of 65/100 and a GF Value™ of $79.69 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 292 Insurance companies, Unum Group ranks worse than 90.41% on this metric.
During the past 12 months, Unum Group's average EBITDA Per Share Growth Rate was -37.90% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was -10.30% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 7.50% per year.
During the past 10 years, the average EBITDA Per Share Growth Rate was 6.00% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of Unum Group was 236.80% per year. The lowest was -75.00% per year. And the median was 5.10% per year.
Unum Group (NYSE:UNM) 3-Year EBITDA Growth Rate Explanation
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
Unum Group 3-Year EBITDA Growth Rate Related Terms
UNM vs GL, PRI, JXN: 3-Year EBITDA Growth Rate Comparison
For the Insurance - Life subindustry, Unum Group's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate 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 3-Year EBITDA Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Unum Group's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Unum Group's 3-Year EBITDA Growth Rate falls into.
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of -10.30% mean?
Unum Group (UNM) has a 3-Year EBITDA Growth Rate of -10.30% as of Jun. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Unum Group and its competitors. According to the industry distribution chart, Unum Group ranks #264 out of 292 companies in the Insurance industry, placing it in the top 90.4%.
Is Unum Group's 3-Year EBITDA Growth Rate too high?
Unum Group's current 3-Year EBITDA Growth Rate is -10.30%. Based on the distribution chart, Unum Group ranks #264 out of 292 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Unum Group has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Unum Group's 3-Year EBITDA Growth Rate compare to GL and PRI?
According to the Insurance industry distribution chart, Unum Group ranks #264 out of 292 companies for 3-Year EBITDA Growth Rate. This places Unum Group in the lower half of its industry. The industry median 3-Year EBITDA Growth Rate is 16.50. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EBITDA Growth Rate for an Insurance company?
The median 3-Year EBITDA Growth Rate among Insurance companies is 16.50, based on 292 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate 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 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Unum Group and its competitors. For the Insurance industry, the median 3-Year EBITDA Growth Rate is 16.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unum Group's current 3-Year EBITDA Growth Rate is -10.30%. 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 $79.69, compared to a current price of $89.77 — trading 12.6% above its estimated fair value. The current 3-Year EBITDA Growth Rate is -10.30%. Unum Group's overall GF Score™ is 65/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Unum Group (UNM), the current 3-Year EBITDA Growth Rate is -10.30% 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 $89.77 is trading 12.6% above its estimated GF Value™ of $79.69.
GuruFocus considers Unum Group to be Modestly Overvalued.
Key valuation signals for UNM:
3-Year EBITDA Growth Rate: -10.30%
GF Value™: $79.69 vs. price of $89.77 (12.6% above fair value)
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.
65GF Score
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