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Unum GroupUNM +0.84%66 EBITDA Margin % is 12.94% as of Jun. 2026, which is 9% below its 10-year median of 14.27. GuruFocus rates UNM with a GF Score™ of 66/100 and a GF Value™ of $82.20 (Fairly Valued). The stock has 6 warning signs investors should review. Among 373 Insurance companies, Unum Group ranks worse than 71.58% on this metric.
EBITDA Margin % is calculated as EBITDA divided by its Revenue. Unum Group's EBITDA for the
three
months ended in Jun. 2026 was $433 Mil. Unum Group's Revenue for the
three
months ended in Jun. 2026 was $3,350 Mil. Therefore, Unum Group's EBITDA margin for the quarter that ended in Jun. 2026 was 12.94%.
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Unum Group EBITDA Margin % Related Terms
Unum Group EBITDA Margin % Historical Data
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The historical data trend for Unum Group's EBITDA Margin % 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 EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Unum Group's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Unum Group's EBITDA Margin % 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 EBITDA Margin % of 12.94% as of Jun. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Unum Group and its competitors. This is near median its historical median of 14.27. Over the past decade, Unum Group's EBITDA Margin % has ranged from 7.73 to 20.08. According to the industry distribution chart, Unum Group ranks #267 out of 373 companies in the Insurance industry, placing it in the top 71.6%.
Is Unum Group's EBITDA Margin % too high?
Unum Group's current EBITDA Margin % of 12.94% is near median its 10-year median of 14.27. Over the past 10 years, this metric has ranged from a low of 7.73 to a high of 20.08. The Insurance industry median EBITDA Margin % is 14.93. Unum Group's value of 12.94% is 13.3% below this industry median. Based on the distribution chart, Unum Group ranks #267 out of 373 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 EBITDA Margin % compare to GL and PRI?
According to the Insurance industry distribution chart, Unum Group ranks #267 out of 373 companies for EBITDA Margin %. This places Unum Group in the lower half of its industry. The industry median EBITDA Margin % is 14.93. Unum Group's value of 12.94% is 13.3% below this benchmark. Historically, Unum Group's own EBITDA Margin % has ranged from 7.73 to 20.08 over the past decade. While the company's 10-year median is 14.27 vs. the industry median of 14.93, 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 EBITDA Margin % for an Insurance company?
The median EBITDA Margin % among Insurance companies is 14.93, based on 373 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Unum Group's current EBITDA Margin % of 12.94% is 13.3% 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Unum Group and its competitors. For the Insurance industry, the median EBITDA Margin % is 14.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unum Group's current EBITDA Margin % is 12.94%, which is near median its own 10-year median of 14.27. 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 $82.20, compared to a current price of $90.56 — trading 10.2% above its estimated fair value. The current EBITDA Margin % is 12.94%, which is near median its 10-year median of 14.27 and 13.3% below the Insurance industry median of 14.93. 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 EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Unum Group (UNM), the current EBITDA Margin % is 12.94% 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 10.2% above its estimated GF Value™ of $82.20.
GuruFocus considers Unum Group to be Fairly Valued.
Key valuation signals for UNM:
EBITDA Margin %: 12.94% (near median its 10-year median of 14.27)
GF Value™: $82.20 vs. price of $90.56 (10.2% above fair value)
Industry Position: 13.3% below the Insurance median (#267 of 373)
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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