Unum GroupUNM +1.35%66 Pretax Margin % is 9.09% as of Mar. 2026, which is 23% below its 10-year median of 11.86. GuruFocus rates UNM with a GF Score™ of 66/100 and a GF Value™ of $73.95 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 501 Insurance companies, Unum Group ranks worse than 68.46% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Unum Group's Pre-Tax Income for the
three
months ended in Mar. 2026 was $303 Mil. Unum Group's Revenue for the
three
months ended in Mar. 2026 was $3,331 Mil. Therefore, Unum Group's pretax margin for the quarter that ended in Mar. 2026 was 9.09%.
The historical rank and industry rank for Unum Group's Pretax Margin % or its related term are showing as below:
UNM'
s Pretax Margin % Range Over the Past 10 Years
Min: 5.41 Med: 11.86 Max: 17.6
Current: 7.5
UNM's Pretax Margin % is ranked worse than 68.46% of 501
companies
in the Insurance industry
Industry Median: 12.04
vs UNM: 7.50
Unum Group (NYSE:UNM) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Unum Group Pretax Margin % Related Terms
Unum Group Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Unum Group's Pretax 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.
For the Insurance - Life subindustry, Unum Group's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Unum Group's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Unum Group's Pretax 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 (UNM) has a Pretax Margin % of 9.09% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Unum Group and its competitors. This is 23% below median its historical median of 11.86. Over the past decade, Unum Group's Pretax Margin % has ranged from 5.41 to 17.60. 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 Pretax Margin % too high?
Unum Group's current Pretax Margin % of 9.09% is 23% below median its 10-year median of 11.86. Over the past 10 years, this metric has ranged from a low of 5.41 to a high of 17.60. The Insurance industry median Pretax Margin % is 12.04. Unum Group's value of 9.09% is 24.5% 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 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Unum Group's Pretax Margin % compare to GL and PRI?
According to the Insurance industry distribution chart, Unum Group ranks #343 out of 501 companies for Pretax Margin %. This places Unum Group in the lower half of its industry. The industry median Pretax Margin % is 12.04. Unum Group's value of 9.09% is 24.5% below this benchmark. Historically, Unum Group's own Pretax Margin % has ranged from 5.41 to 17.60 over the past decade. While the company's 10-year median is 11.86 vs. the industry median of 12.04, 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 Pretax Margin % for an Insurance company?
The median Pretax Margin % among Insurance companies is 12.04, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Unum Group's current Pretax Margin % of 9.09% is 24.5% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Unum Group and its competitors. For the Insurance industry, the median Pretax Margin % is 12.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unum Group's current Pretax Margin % is 9.09%, which is 23% below median its own 10-year median of 11.86. 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 $73.95, compared to a current price of $90.12 — trading 21.9% above its estimated fair value. The current Pretax Margin % is 9.09%, which is 23% below median its 10-year median of 11.86 and 24.5% below the Insurance industry median of 12.04. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Unum Group (UNM), the current Pretax Margin % is 9.09% 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 $90.12 is trading 21.9% above its estimated GF Value™ of $73.95.
GuruFocus considers Unum Group to be Modestly Overvalued.
Key valuation signals for UNM:
Pretax Margin %: 9.09% (23% below median its 10-year median of 11.86)
GF Value™: $73.95 vs. price of $90.12 (21.9% above fair value)
Industry Position: 24.5% below the Insurance median (#343 of 501)
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
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