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Unum GroupUNM +3.75%67 EV-to-EBITDA is 13.71 as of Jul. 30, 2026, which is 100% above its 10-year median of 6.85. GuruFocus rates UNM with a GF Score™ of 67/100 and a GF Value™ of $73.06 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 346 Insurance companies, Unum Group ranks worse than 78.03% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Unum Group's enterprise value is $17,300 Mil.
Unum Group's EBITDA for the trailing twelve months (TTM) ended in Jun. 2026 was $1,262 Mil. Therefore, Unum Group's EV-to-EBITDA for today is 13.71.
The historical rank and industry rank for Unum Group's EV-to-EBITDA or its related term are showing as below:
UNM'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 3.24 Med: 6.85 Max: 14.17
Current: 13.71
During the past 13 years, the highest EV-to-EBITDA of Unum Group was 14.17. The lowest was 3.24. And the median was 6.85.
UNM's EV-to-EBITDA is ranked worse than 78.03% of 346
companies
in the Insurance industry
Industry Median: 8.37
vs UNM: 13.71
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).
Unum Group (NYSE:UNM) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Unum Group's share price for today is $86.77.
Unum Group's Earnings per Share (Diluted) 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 $4.290.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for Unum Group's EV-to-EBITDA 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 EV-to-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Unum Group's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Unum Group's EV-to-EBITDA falls into.
Unum Group's current Enterprise Value is $17,300 Mil.
Unum Group's EBITDA 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 $1,262 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.
Unum Group (UNM) has a EV-to-EBITDA of 13.71 as of Jul. 30, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Unum Group. This is 100% above median its historical median of 6.85. Over the past decade, Unum Group's EV-to-EBITDA has ranged from 3.24 to 14.17. According to the industry distribution chart, Unum Group ranks #270 out of 346 companies in the Insurance industry, placing it in the top 78%.
Is Unum Group's EV-to-EBITDA too high?
Unum Group's current EV-to-EBITDA of 13.71 is 100% above median its 10-year median of 6.85. Over the past 10 years, this metric has ranged from a low of 3.24 to a high of 14.17. The Insurance industry median EV-to-EBITDA is 8.37. Unum Group's value of 13.71 is 63.8% above this industry median. Based on the distribution chart, Unum Group ranks #270 out of 346 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Unum Group has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Unum Group's EV-to-EBITDA compare to GL and PRI?
According to the Insurance industry distribution chart, Unum Group ranks #270 out of 346 companies for EV-to-EBITDA. This places Unum Group in the lower half of its industry. The industry median EV-to-EBITDA is 8.37. Unum Group's value of 13.71 is 63.8% above this benchmark. Historically, Unum Group's own EV-to-EBITDA has ranged from 3.24 to 14.17 over the past decade. While the company's 10-year median is 6.85 vs. the industry median of 8.37, 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 EV-to-EBITDA for an Insurance company?
The median EV-to-EBITDA among Insurance companies is 8.37, based on 346 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Unum Group's current EV-to-EBITDA of 13.71 is 63.8% 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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Unum Group. For the Insurance industry, the median EV-to-EBITDA is 8.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unum Group's current EV-to-EBITDA is 13.71, which is 100% above median its own 10-year median of 6.85. 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 $73.06, compared to a current price of $86.77 — trading 18.8% above its estimated fair value. The current EV-to-EBITDA is 13.71, which is 100% above median its 10-year median of 6.85 and 63.8% above the Insurance industry median of 8.37. Unum Group's overall GF Score™ is 67/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Unum Group (UNM), the current EV-to-EBITDA is 13.71 as of Jul. 30, 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 $86.77 is trading 18.8% above its estimated GF Value™ of $73.06.
GuruFocus considers Unum Group to be Modestly Overvalued.
Key valuation signals for UNM:
EV-to-EBITDA: 13.71 (100% above median its 10-year median of 6.85)
GF Value™: $73.06 vs. price of $86.77 (18.8% above fair value)
Industry Position: 63.8% above the Insurance median (#270 of 346)
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.
67GF Score
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EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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