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Unum GroupUNM +0.94%68 Equity-to-Asset is 0.17 as of Jun. 2026, which is 13% above its 10-year median of 0.15. GuruFocus rates UNM with a GF Score™ of 68/100 and a GF Value™ of $79.62 (Fairly Valued). The stock has 5 warning signs investors should review. Among 505 Insurance companies, Unum Group ranks worse than 69.7% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Unum Group's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $10,810 Mil. Unum Group's Total Assets for the quarter that ended in Jun. 2026 was $63,485 Mil.
Therefore, Unum Group's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.17.
The historical rank and industry rank for Unum Group's Equity-to-Asset or its related term are showing as below:
UNM'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.14 Med: 0.15 Max: 0.18
Current: 0.17
During the past 13 years, the highest Equity to Asset Ratio of Unum Group was 0.18. The lowest was 0.14. And the median was 0.15.
UNM's Equity-to-Asset is ranked worse than 69.7% of 505
companies
in the Insurance industry
Industry Median: 0.26
vs UNM: 0.17
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Unum Group Equity-to-Asset Related Terms
Unum Group Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Unum Group's Equity-to-Asset 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 Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Unum Group's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Unum Group's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Unum Group's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.17 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Unum Group and its competitors. This is 13% above median its historical median of 0.15. Over the past decade, Unum Group's Equity-to-Asset has ranged from 0.14 to 0.18. According to the industry distribution chart, Unum Group ranks #352 out of 505 companies in the Insurance industry, placing it in the top 69.7%.
Is Unum Group's Equity-to-Asset too high?
Unum Group's current Equity-to-Asset of 0.17 is 13% above median its 10-year median of 0.15. Over the past 10 years, this metric has ranged from a low of 0.14 to a high of 0.18. The Insurance industry median Equity-to-Asset is 0.26. Unum Group's value of 0.17 is 34.6% below this industry median. Based on the distribution chart, Unum Group ranks #352 out of 505 companies in the Insurance industry, which is below the industry midpoint. Overall, Unum Group has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Unum Group's Equity-to-Asset compare to GL and PRI?
According to the Insurance industry distribution chart, Unum Group ranks #352 out of 505 companies for Equity-to-Asset. This places Unum Group in the lower half of its industry. The industry median Equity-to-Asset is 0.26. Unum Group's value of 0.17 is 34.6% below this benchmark. Historically, Unum Group's own Equity-to-Asset has ranged from 0.14 to 0.18 over the past decade. While the company's 10-year median is 0.15 vs. the industry median of 0.26, 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 Equity-to-Asset for an Insurance company?
The median Equity-to-Asset among Insurance companies is 0.26, based on 505 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Unum Group's current Equity-to-Asset of 0.17 is 34.6% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Unum Group and its competitors. For the Insurance industry, the median Equity-to-Asset is 0.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unum Group's current Equity-to-Asset is 0.17, which is 13% above median its own 10-year median of 0.15. 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 $79.62, compared to a current price of $87.77 — trading 10.2% above its estimated fair value. The current Equity-to-Asset is 0.17, which is 13% above median its 10-year median of 0.15 and 34.6% below the Insurance industry median of 0.26. Unum Group's overall GF Score™ is 68/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Unum Group (UNM), the current Equity-to-Asset is 0.17 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 $87.77 is trading 10.2% above its estimated GF Value™ of $79.62.
GuruFocus considers Unum Group to be Fairly Valued.
Key valuation signals for UNM:
Equity-to-Asset: 0.17 (13% above median its 10-year median of 0.15)
GF Value™: $79.62 vs. price of $87.77 (10.2% above fair value)
Industry Position: 34.6% below the Insurance median (#352 of 505)
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.
68GF Score
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