Unum GroupBSP:U1NM34 66 OCF Margin % is 10.23% as of Mar. 2026, which is 7% below its 10-year median of 11.02. GuruFocus rates BSP:U1NM34 with a GF Score™ of 66/100 and a GF Value™ of R$391.53. The stock has 7 warning signs investors should review. Among 501 Insurance companies, Unum Group ranks worse than 68.46% on this metric.
The historical rank and industry rank for Unum Group's OCF Margin % or its related term are showing as below:
BSP:U1NM34'
s OCF Margin % Range Over the Past 10 Years
Min: 3.57 Med: 11.02 Max: 13.4
Current: 5.14
During the past 13 years, the highest OCF Margin % of Unum Group was 13.40%. The lowest was 3.57%. And the median was 11.02%.
BSP:U1NM34's OCF Margin % is ranked worse than 68.46% of 501
companies
in the Insurance industry
Industry Median: 10.85
vs BSP:U1NM34: 5.14
Unum Group OCF Margin % Related Terms
Unum Group OCF Margin % Historical Data
* Premium members only.
The historical data trend for Unum Group's OCF 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.
BSP:U1NM34 vs GL, PRI, JXN: OCF Margin % Comparison
For the Insurance - Life subindustry, Unum Group's OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Unum Group's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Unum Group's OCF 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 (BSP:U1NM34) has a OCF Margin % of 10.23% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Unum Group and its competitors. This is near median its historical median of 11.02. Over the past decade, Unum Group's OCF Margin % has ranged from 3.57 to 13.40. According to the industry distribution chart, Unum Group ranks #343 out of 501 companies in the Insurance industry, placing it in the top 68.5%.
Is Unum Group's OCF Margin % too high?
Unum Group's current OCF Margin % of 10.23% is near median its 10-year median of 11.02. Over the past 10 years, this metric has ranged from a low of 3.57 to a high of 13.40. The Insurance industry median OCF Margin % is 10.85. Unum Group's value of 10.23% is 5.7% below this industry median. Based on the distribution chart, Unum Group ranks #343 out of 501 companies in the Insurance industry, which is below the industry midpoint. Overall, Unum Group has a GF Score™ of 66/100, reflecting its overall financial health beyond just this single metric.
How does Unum Group's OCF Margin % compare to GL and PRI?
According to the Insurance industry distribution chart, Unum Group ranks #343 out of 501 companies for OCF Margin %. This places Unum Group in the lower half of its industry. The industry median OCF Margin % is 10.85. Unum Group's value of 10.23% is 5.7% below this benchmark. Historically, Unum Group's own OCF Margin % has ranged from 3.57 to 13.40 over the past decade. While the company's 10-year median is 11.02 vs. the industry median of 10.85, 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 OCF Margin % for an Insurance company?
The median OCF Margin % among Insurance companies is 10.85, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Unum Group's current OCF Margin % of 10.23% is 5.7% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Unum Group and its competitors. For the Insurance industry, the median OCF Margin % is 10.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unum Group's current OCF Margin % is 10.23%, which is near median its own 10-year median of 11.02. 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?
Unum Group (BSP:U1NM34) has a current OCF Margin % of 10.23%. The stock's GF Value™ is R$391.53, compared to a current price of R$469.23 — trading 19.8% above its estimated fair value. The current OCF Margin % is 10.23%, which is near median its 10-year median of 11.02 and 5.7% below the Insurance industry median of 10.85. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Unum Group (BSP:U1NM34), the current OCF Margin % is 10.23% 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 (BSP:U1NM34) Overvalued in 2026?
Based on GuruFocus' analysis, Unum Group stock appears to be overvalued.
The current stock price of R$469.23 is trading 19.8% above its estimated GF Value™ of R$391.53.
Key valuation signals for BSP:U1NM34:
OCF Margin %: 10.23% (near median its 10-year median of 11.02)
GF Value™: R$391.53 vs. price of R$469.23 (19.8% above fair value)
Industry Position: 5.7% below the Insurance median (#343 of 501)
No single metric tells the full story. See the BSP:U1NM34 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 BSP:U1NM34
OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BSP:U1NM34 has been successfully added to your 
