Unum GroupUNM +2.24%66 PS Ratio is 1.17 as of Jul. 02, 2026, which is 58% above its 10-year median of 0.74. GuruFocus rates UNM with a GF Score™ of 66/100 and a GF Value™ of $73.81 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 504 Insurance companies, Unum Group ranks better than 50.99% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Unum Group's share price is $91.40.
Unum Group's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was $78.21. Hence, Unum Group's PS Ratio for today is 1.17.
Warning Sign:
Unum Group stock PS Ratio (=1.14) is close to 10-year high of 1.21.
The historical rank and industry rank for Unum Group's PS Ratio or its related term are showing as below:
UNM'
s PS Ratio Range Over the Past 10 Years
Min: 0.18 Med: 0.74 Max: 1.21
Current: 1.15
During the past 13 years, Unum Group's highest PS Ratio was 1.21. The lowest was 0.18. And the median was 0.74.
UNM's PS Ratio is ranked better than 50.99% of 504
companies
in the Insurance industry
Industry Median: 1.15
vs UNM: 1.15
During the past 12 months, the average Revenue per Share Growth Rate of Unum Group was 13.70% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 8.50% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 3.80% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 4.80% per year.
During the past 13 years, Unum Group's highest 3-Year average Revenue per Share Growth Rate was 30.00% per year. The lowest was -15.20% per year. And the median was 6.30% per year.
Back to Basics: PS Ratio
Unum Group (NYSE:UNM) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Unum Group PS Ratio Related Terms
Unum Group PS Ratio Historical Data
* Premium members only.
The historical data trend for Unum Group's PS Ratio 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 PS Ratio, along with its competitors' market caps and PS Ratio 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 PS Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Unum Group's PS Ratio distribution charts can be found below:
* The bar in red indicates where Unum Group's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Unum Group's Share Price of today is $91.40. Unum Group's Revenue per Share 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 $78.21.
* 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.
It can also be calculated from the numbers for the whole company:
Unum Group (UNM) has a PS Ratio of 1.17 as of Jul. 02, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Unum Group and its competitors. This is 58% above median its historical median of 0.74. Over the past decade, Unum Group's PS Ratio has ranged from 0.18 to 1.21. According to the industry distribution chart, Unum Group ranks #247 out of 504 companies in the Insurance industry, placing it in the top 49%.
Is Unum Group's PS Ratio too high?
Unum Group's current PS Ratio of 1.17 is 58% above median its 10-year median of 0.74. Over the past 10 years, this metric has ranged from a low of 0.18 to a high of 1.21. The Insurance industry median PS Ratio is 1.15. Unum Group's value of 1.17 is 1.7% above this industry median. Based on the distribution chart, Unum Group ranks #247 out of 504 companies in the Insurance industry, which is above 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 PS Ratio compare to GL and PRI?
According to the Insurance industry distribution chart, Unum Group ranks #247 out of 504 companies for PS Ratio. This puts Unum Group in the upper half of its industry. The industry median PS Ratio is 1.15. Unum Group's value of 1.17 is 1.7% above this benchmark. Historically, Unum Group's own PS Ratio has ranged from 0.18 to 1.21 over the past decade. While the company's 10-year median is 0.74 vs. the industry median of 1.15, 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 PS Ratio for an Insurance company?
The median PS Ratio among Insurance companies is 1.15, based on 504 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Unum Group's current PS Ratio of 1.17 is 1.7% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Unum Group and its competitors. For the Insurance industry, the median PS Ratio is 1.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unum Group's current PS Ratio is 1.17, which is 58% above median its own 10-year median of 0.74. 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 $73.81, compared to a current price of $91.40 — trading 23.8% above its estimated fair value. The current PS Ratio is 1.17, which is 58% above median its 10-year median of 0.74 and 1.7% above the Insurance industry median of 1.15. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Unum Group (UNM), the current PS Ratio is 1.17 as of Jul. 02, 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 $91.40 is trading 23.8% above its estimated GF Value™ of $73.81.
GuruFocus considers Unum Group to be Modestly Overvalued.
Key valuation signals for UNM:
PS Ratio: 1.17 (58% above median its 10-year median of 0.74)
GF Value™: $73.81 vs. price of $91.40 (23.8% above fair value)
Industry Position: 1.7% above the Insurance median (#247 of 504)
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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