Unum GroupUNM -1.06%67 EV-to-FCF is 32.57 as of Jul. 10, 2026, which is 204% above its 10-year median of 10.73. GuruFocus rates UNM with a GF Score™ of 67/100 and a GF Value™ of $73.59 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 393 Insurance companies, Unum Group ranks worse than 88.3% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Unum Group's Enterprise Value is $17,550 Mil.
Unum Group's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $539 Mil. Therefore, Unum Group's EV-to-FCF for today is 32.57.
The historical rank and industry rank for Unum Group's EV-to-FCF or its related term are showing as below:
UNM'
s EV-to-FCF Range Over the Past 10 Years
Min: -92076.11 Med: 10.73 Max: 34.92
Current: 32.57
During the past 13 years, the highest EV-to-FCF of Unum Group was 34.92. The lowest was -92076.11. And the median was 10.73.
UNM's EV-to-FCF is ranked worse than 88.3% of 393
companies
in the Insurance industry
Industry Median: 9.48
vs UNM: 32.57
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 $87.50.
Unum Group's Earnings per Share (Diluted) 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 $4.600.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Unum Group EV-to-FCF Related Terms
Unum Group EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Unum Group's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Unum Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Unum Group's EV-to-FCF falls into.
Unum Group's current Enterprise Value is $17,550 Mil.
Unum Group's Free Cash Flow 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 $539 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-FCF of 32.57 as of Jul. 10, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Unum Group and its competitors. This is 204% above median its historical median of 10.73. According to the industry distribution chart, Unum Group ranks #347 out of 393 companies in the Insurance industry, placing it in the top 88.3%.
Is Unum Group's EV-to-FCF too high?
Unum Group's current EV-to-FCF of 32.57 is 204% above median its 10-year median of 10.73. The Insurance industry median EV-to-FCF is 9.48. Unum Group's value of 32.57 is 243.6% above this industry median. Based on the distribution chart, Unum Group ranks #347 out of 393 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-FCF compare to GL and PRI?
According to the Insurance industry distribution chart, Unum Group ranks #347 out of 393 companies for EV-to-FCF. This places Unum Group in the lower half of its industry. The industry median EV-to-FCF is 9.48. Unum Group's value of 32.57 is 243.6% above this benchmark. While the company's 10-year median is 10.73 vs. the industry median of 9.48, 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-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.48, based on 393 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Unum Group's current EV-to-FCF of 32.57 is 243.6% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Unum Group and its competitors. For the Insurance industry, the median EV-to-FCF is 9.48 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unum Group's current EV-to-FCF is 32.57, which is 204% above median its own 10-year median of 10.73. 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 $73.59, compared to a current price of $87.50 — trading 18.9% above its estimated fair value. The current EV-to-FCF is 32.57, which is 204% above median its 10-year median of 10.73 and 243.6% above the Insurance industry median of 9.48. Unum Group's overall GF Score™ is 67/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Unum Group (UNM), the current EV-to-FCF is 32.57 as of Jul. 10, 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 $87.50 is trading 18.9% above its estimated GF Value™ of $73.59.
GuruFocus considers Unum Group to be Modestly Overvalued.
Key valuation signals for UNM:
EV-to-FCF: 32.57 (204% above median its 10-year median of 10.73)
GF Value™: $73.59 vs. price of $87.50 (18.9% above fair value)
Industry Position: 243.6% above the Insurance median (#347 of 393)
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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