UNM (Unum Group) 5-Year Yield-on-Cost %: 3.24 (As of Jul. 13, 2026) — 25% Below Median


UNM Unum Group UNM
67 GF Score
Price $89.12
GF Value $73.36
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Unum Group 5-Year Yield-on-Cost %?

Unum Group UNM +1.85% 67 5-Year Yield-on-Cost % is 3.24 as of Jul. 13, 2026, which is 25% below its 10-year median of 4.33. GuruFocus rates UNM with a GF Score™ of 67/100 and a GF Value™ of $73.36 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 420 Insurance companies, Unum Group ranks worse than 57.62% on this metric.

Unum Group's yield on cost for the quarter that ended in Mar. 2026 was 3.24.


The historical rank and industry rank for Unum Group's 5-Year Yield-on-Cost % or its related term are showing as below:

UNM' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.26   Med: 4.33   Max: 16.17
Current: 3.24


During the past 13 years, Unum Group's highest Yield on Cost was 16.17. The lowest was 2.26. And the median was 4.33.


UNM's 5-Year Yield-on-Cost % is ranked worse than
57.62% of 420 companies
in the Insurance industry
Industry Median: 3.96 vs UNM: 3.24

Unum Group  (NYSE:UNM) 5-Year Yield-on-Cost % Explanation

Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.


Unum Group 5-Year Yield-on-Cost % Related Terms


UNM vs GL, PRI, JXN: 5-Year Yield-on-Cost % Comparison

For the Insurance - Life subindustry, Unum Group's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Insurance Industry

For the Insurance industry and Financial Services sector, Unum Group's 5-Year Yield-on-Cost % distribution charts can be found below:

* The bar in red indicates where Unum Group's 5-Year Yield-on-Cost % falls into.


UNM
67GF Score
Unum Group UNM
5-Year Yield-on-Cost % is just one metric. See GF Score™, valuation, warning signs, and more.
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Unum Group 5-Year Yield-on-Cost % Calculation

Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.

Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.

Therefore, Yield-on-Cost of Unum Group is calculated as

Yield-on-Cost=Dividend Yield %*(1+Dividend Growth Rate)^5
Frequently Asked Questions Learn more about 5-Year Yield-on-Cost % →
What does a 5-Year Yield-on-Cost % of 3.24 mean?
Unum Group (UNM) has a 5-Year Yield-on-Cost % of 3.24 as of Jul. 13, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Unum Group and its competitors. This is 25% below median its historical median of 4.33. Over the past decade, Unum Group's 5-Year Yield-on-Cost % has ranged from 2.26 to 16.17. According to the industry distribution chart, Unum Group ranks #242 out of 420 companies in the Insurance industry, placing it in the top 57.6%.
Is Unum Group's 5-Year Yield-on-Cost % too high?
Unum Group's current 5-Year Yield-on-Cost % of 3.24 is 25% below median its 10-year median of 4.33. Over the past 10 years, this metric has ranged from a low of 2.26 to a high of 16.17. The Insurance industry median 5-Year Yield-on-Cost % is 3.96. Unum Group's value of 3.24 is 18.2% below this industry median. Based on the distribution chart, Unum Group ranks #242 out of 420 companies in the Insurance industry, which is below the industry midpoint. 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 5-Year Yield-on-Cost % compare to GL and PRI?
According to the Insurance industry distribution chart, Unum Group ranks #242 out of 420 companies for 5-Year Yield-on-Cost %. This places Unum Group in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.96. Unum Group's value of 3.24 is 18.2% below this benchmark. Historically, Unum Group's own 5-Year Yield-on-Cost % has ranged from 2.26 to 16.17 over the past decade. While the company's 10-year median is 4.33 vs. the industry median of 3.96, 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 5-Year Yield-on-Cost % for an Insurance company?
The median 5-Year Yield-on-Cost % among Insurance companies is 3.96, based on 420 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Unum Group's current 5-Year Yield-on-Cost % of 3.24 is 18.2% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Unum Group and its competitors. For the Insurance industry, the median 5-Year Yield-on-Cost % is 3.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unum Group's current 5-Year Yield-on-Cost % is 3.24, which is 25% below median its own 10-year median of 4.33. 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 $73.36, compared to a current price of $89.12 — trading 21.5% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.24, which is 25% below median its 10-year median of 4.33 and 18.2% below the Insurance industry median of 3.96. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Unum Group (UNM), the current 5-Year Yield-on-Cost % is 3.24 as of Jul. 13, 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 $89.12 is trading 21.5% above its estimated GF Value™ of $73.36. GuruFocus considers Unum Group to be Modestly Overvalued.

Key valuation signals for UNM:

  • 5-Year Yield-on-Cost %: 3.24 (25% below median its 10-year median of 4.33)
  • GF Value™: $73.36 vs. price of $89.12 (21.5% above fair value)
  • GF Score™: 67/100 with 7 warning signs
  • Industry Position: 18.2% below the Insurance median (#242 of 420)

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 Business Description

Address 1 Fountain Square, Chattanooga, TN, USA, 37402
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

Get the complete analysis for UNM

5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$89.12
Price
$73.36
GF Value