3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Unum Group's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was -25.93%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Unum Group's 3-Year ROIIC % or its related term are showing as below:
UNM's 3-Year ROIIC % is ranked worse than 91.94% of 335
companies
in the Insurance industry
Industry Median: 5.2
vs UNM: -25.93
Unum Group (NYSE:UNM) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Unum Group 3-Year ROIIC % Related Terms
Unum Group 3-Year ROIIC % Historical Data
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The historical data trend for Unum Group's 3-Year ROIIC % 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 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, Unum Group's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Unum Group's 3-Year ROIIC % 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Unum Group (UNM) has a 3-Year ROIIC % of -25.93 as of Dec. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Unum Group and its competitors. According to the industry distribution chart, Unum Group ranks #308 out of 335 companies in the Insurance industry, placing it in the top 91.9%.
Is Unum Group's 3-Year ROIIC % too high?
Unum Group's current 3-Year ROIIC % is -25.93. Based on the distribution chart, Unum Group ranks #308 out of 335 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 3-Year ROIIC % compare to GL and PRI?
According to the Insurance industry distribution chart, Unum Group ranks #308 out of 335 companies for 3-Year ROIIC %. This places Unum Group in the lower half of its industry. The industry median 3-Year ROIIC % is 5.20. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year ROIIC % for an Insurance company?
The median 3-Year ROIIC % among Insurance companies is 5.20, based on 335 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Unum Group and its competitors. For the Insurance industry, the median 3-Year ROIIC % is 5.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unum Group's current 3-Year ROIIC % is -25.93. 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 $73.69, compared to a current price of $89.20 — trading 21% above its estimated fair value. The current 3-Year ROIIC % is -25.93. 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 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Unum Group (UNM), the current 3-Year ROIIC % is -25.93 as of Dec. 2025. 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 $89.20 is trading 21% above its estimated GF Value™ of $73.69.
GuruFocus considers Unum Group to be Modestly Overvalued.
Key valuation signals for UNM:
3-Year ROIIC %: -25.93
GF Value™: $73.69 vs. price of $89.20 (21% 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.
67GF Score
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