Unum GroupUNM +1.03%66 Net Current Asset Value is $0.00 as of Mar. 2026. GuruFocus rates UNM with a GF Score™ of 66/100 and a GF Value™ of $73.75 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 25 Insurance companies, Unum Group ranks worse than 3999996% on this metric.
In calculating the Net Current Asset Value (NCAV), Benjamin Graham means a company's current assets (such as cash, marketable securities, and inventories) minus its total liabilities (including preferred stock, minority interest, and long-term debt).
Unum Group's net current asset value per share for the quarter that ended in Mar. 2026 was $0.00.
The historical rank and industry rank for Unum Group's Net Current Asset Value or its related term are showing as below:
UNM's Price-to-Net-Current-Asset-Value is not ranked *
in the Insurance industry.
Industry Median: 6.59 * Ranked among companies with meaningful Price-to-Net-Current-Asset-Value only.
Unum Group (NYSE:UNM) Net Current Asset Value Explanation
Benjamin Graham first discussed net current asset value (NCAV) in the 1934 edition of "Security Analysis", which he coauthored with David Dodd. In the book, (net) current asset value is defined as:" current assets alone, minus all liabilities and claims ahead of the issue."
The common definition of NCAV is: NCAV = current assets – [total liabilities + minority interest + preferred stock]
Net current assets exclude not only the intangible assets but also the fixed and miscellaneous assets. In addition, Graham believed that preferred stock belongs on the liability side of the balance sheet, not as part of capital and surplus. In "Security Analysis", preferred stock is dubbed "an imperfect creditorship position" that is best placed on the balance sheet alongside funded debt.
One research study, covering the years 1970 through 1983 showed that portfolios picked at the beginning of each year, and held for one year, returned 29.4 percent, on average, over the 13-year period, compared to 11.5 percent for the S&P 500 Index. Other studies of Grahams strategy produced similar results.
Benjamin Graham looked for companies whose market values were less than two-thirds of their Net-Net Working Capital. They are collected under our Net-Net screener.
Unum Group Net Current Asset Value Related Terms
Unum Group Net Current Asset Value Historical Data
* Premium members only.
The historical data trend for Unum Group's Net Current Asset Value 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.
UNM vs GL, PRI, JXN: Net Current Asset Value Comparison
For the Insurance - Life subindustry, Unum Group's Price-to-Net-Current-Asset-Value, along with its competitors' market caps and Price-to-Net-Current-Asset-Value 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 Price-to-Net-Current-Asset-Value vs Insurance Industry
For the Insurance industry and Financial Services sector, Unum Group's Price-to-Net-Current-Asset-Value distribution charts can be found below:
* The bar in red indicates where Unum Group's Price-to-Net-Current-Asset-Value 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.
What does a Net Current Asset Value of $0.00 mean?
Unum Group (UNM) has a Net Current Asset Value of $0.00 as of Mar. 2026. Ben Graham's net current asset value equals the per-share value of total current assets less total liabilities. View historical data on Unum Group and its competitors. According to the industry distribution chart, Unum Group ranks #999999 out of 25 companies in the Insurance industry.
Is Unum Group's Net Current Asset Value too high?
Unum Group's current Net Current Asset Value is $0.00. Based on the distribution chart, Unum Group ranks #999999 out of 25 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Unum Group has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Unum Group's Net Current Asset Value compare to GL and PRI?
According to the Insurance industry distribution chart, Unum Group ranks #999999 out of 25 companies for Net Current Asset Value. This places Unum Group in the lower half of its industry. The industry median Net Current Asset Value is 6.59. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Current Asset Value for an Insurance company?
The median Net Current Asset Value among Insurance companies is 6.59, based on 25 companies in the industry. Companies in the top quartile (top 25%) have a Net Current Asset Value significantly above this median, while those in the bottom quartile fall well below. However, Net Current Asset Value 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 Net Current Asset Value mean?
A high Net Current Asset Value can signal that a stock is expensive relative to its fundamentals. Ben Graham's net current asset value equals the per-share value of total current assets less total liabilities. View historical data on Unum Group and its competitors. For the Insurance industry, the median Net Current Asset Value is 6.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unum Group's current Net Current Asset Value is $0.00. 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 $73.75, compared to a current price of $92.34 — trading 25.2% above its estimated fair value. The current Net Current Asset Value is $0.00. Unum Group's overall GF Score™ is 66/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Current Asset Value calculated?
Net Current Asset Value is calculated from a company's financial statements. For Unum Group (UNM), the current Net Current Asset Value is $0.00 as of Mar. 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 $92.34 is trading 25.2% above its estimated GF Value™ of $73.75.
GuruFocus considers Unum Group to be Modestly Overvalued.
Key valuation signals for UNM:
Net Current Asset Value: $0.00
GF Value™: $73.75 vs. price of $92.34 (25.2% 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.
66GF Score
Get the complete analysis for UNM
Net Current Asset Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
UNM has been successfully added to your 
