What is the 13F Pro Quality Score for UNM?

13F Pro ranks Unum Group (UNM) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View UNM's current score at https://13fpro.ai/research/UNM (free sign-up required for the full ranking).

Which hedge funds own the most UNM stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of UNM include BlackRock,, VANGUARD PORTFOLIO MANAGEMENT, FMR. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/UNM as soon as new 13F filings post.

Where does 13F Pro source UNM data?

All Unum Group fundamentals and ownership data come directly from SEC EDGAR. Unum Group files with the SEC under CIK 5513. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is UNM in?

Unum Group (UNM) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is UNM research updated on 13F Pro?

UNM's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Unum Group(UNM)Stock Analysis

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13F Pro Quality Score

49.5/100

Rank #1,506 of 2,879 stocks

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

43.2/100

Profitability

41.0/100

Balance Sheet

46.3/100

Earnings Quality

16.6/100

Free Cash Flow

47.7/100

Institutional Flow

7.7/100

Revenue Scale

89.2/100

Dilution Risk

78.2/100

UNM Stock Analysis & AI Quality Score

AI stock analysis and institutional research for Unum Group (UNM), a Financials sector company. 13F Pro's AI-powered ranking engine scores UNM at 49.5/100 on a 32-signal composite quality model, placing it at rank #1,506 of 2,879 stocks — the bottom half of the AI-ranked universe. UNM scores in the top quartile across revenue scale (89.2). Areas of concern include institutional flow (7.7) and earnings quality (16.6), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q1 2026), Unum Group reports quarterly revenue of $3.4B, net income of $232.0M, an operating margin of 9.0%. Top institutional holders of UNM by reported 13-F value include BlackRock,, VANGUARD PORTFOLIO MANAGEMENT, FMR, based on the most recent SEC filings. UNM trades on the NYSE exchange and files with the SEC under CIK 5513. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate UNM daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Unum Group directly from SEC EDGAR. Unum Group's 13F Pro composite quality score has ranged between 8 and 66 since 2021, currently 49.5 — a declining long-term trajectory across 56 quarterly and live scoring snapshots.

✦

Fun facts about Unum Group

Quirks, history, and lore behind UNM — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. financial services company · mid-cap · listed on the NYSE · headquartered in Tennessee.
2
The Numbers
Generates roughly $12 billion in annual revenue and holds over $60 billion in assets — not a household name, but a serious balance sheet.
3
The History
Its roots go back to the late 1800s, and it grew into one of the largest providers of employee benefits insurance in the United States through decades of acquisitions.
4
The Secret
Its bread and butter is group disability insurance — the unglamorous coverage that kicks in when workers can't work — sold mostly through employers, not individuals.
5
The Lore
It owns the Colonial Life brand, which sells supplemental benefits directly at the workplace, and also has a significant operation in the United Kingdom.
6
The Giveaway
This Chattanooga-based insurer is the go-to name in group disability and life benefits — its ticker even rhymes with 'one' — and your HR packet probably has their logo on it.

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Revenue

Q1 2026

$3.4B

Net Income

Q1 2026

$232.0M

Free Cash Flow

Q1 2026

$301.2M

Operating Margin

Q1 2026

9.0%

ROIC

Q1 2026

2.1%

D/E Ratio

Q1 2026

0.35

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+9.1% YoY

$13.08BFY 2025

FY16 $11.05BFY21 $12.01BFY22 $11.98BFY25 $13.08B

Net Income

-47.5% YoY

$738.5MFY 2025

FY16 $931.4MFY21 $981.0MFY22 $1.41BFY25 $738.5M

Operating Income

—FY 2025

FY16 —FY21 —FY22 —FY25 —

EPS (Diluted)

-38.6% YoY

$4.27FY 2025

FY16 $3.95FY21 $4.79FY22 $6.96FY25 $4.27

Total Assets

+3.9% YoY

$63.52BFY 2025

FY16 $61.94BFY21 $70.12BFY22 $61.15BFY25 $63.52B

Total Debt

+9.8% YoY

$3.77BFY 2025

FY16 $3.00BFY21 $3.44BFY22 $3.43BFY25 $3.77B

Op. Cash Flow

-51.5% YoY

$687.7MFY 2025

FY16 $1.12BFY21 $1.39BFY22 $1.42BFY25 $687.7M

Metric	FY 2025	FY 2022	FY 2021	FY 2016	FY 2014	FY 2013
Revenue	$13.08B +9.1%	$11.98B -0.2%	$12.01B +8.7%	$11.05B +5.0%	$10.52B +1.5%	$10.37B
Net Income	$738.5M -47.5%	$1.41B +43.4%	$981.0M +5.3%	$931.4M +131.6%	$402.1M -52.5%	$847.0M
Operating Income	—	—	—	—	—	$1.24B
EPS (Diluted)	$4.27 -38.6%	$6.96 +45.3%	$4.79 +21.3%	$3.95 +151.6%	$1.57 -50.8%	$3.19
Total Assets	$63.52B +3.9%	$61.15B -12.8%	$70.12B +13.2%	$61.94B -0.8%	$62.45B +5.1%	$59.40B
Total Debt	$3.77B +9.8%	$3.43B -0.3%	$3.44B +14.8%	$3.00B -2.8%	$3.08B +14.7%	$2.69B
Operating Cash Flow	$687.7M -51.5%	$1.42B +2.2%	$1.39B +23.7%	$1.12B -8.3%	$1.22B +18.6%	$1.03B

AI Insight: UNM Financial Trends

Q3 2025 net income collapse to $40M and negative operating cash flow of -$372M flag a sharp one-quarter deterioration that demands scrutiny.

• Revenue grew modestly from $3,233M in Q2 2024 to $3,355M in Q1 2026, a steady but unspectacular ~4% rise over eight quarters.

• Net income swung from $646M in Q3 2024 to just $40M in Q3 2025, then partially recovered to $232M in Q1 2026.

• Total debt rose from $3,470M in Q2 2024 to $4,014M in Q4 2024 before retreating to $3,762M in Q1 2026.

⚠ Operating cash flow turned deeply negative at -$372M in Q3 2025 — the only negative print in the dataset — a major red flag.

⚠ Equity declined from $11,320M in Q2 2025 to $10,892M in Q1 2026, suggesting retained earnings pressure or capital returns eroding book value.

⚠ Q1 2026 net income of $232M remains well below the $390M posted in Q2 2024; full earnings recovery is not yet confirmed.

AI Insight: UNM Ratio Trends

Profitability collapsed to near-zero in Q3 2025 (OpMargin 1.6%, ROIC 1.5%) and has only partially recovered, leaving TTM returns well below 2024 peaks.

• Operating margin fell from 25.3% in Q3 2024 to 1.6% in Q3 2025 — a 23.7pp deterioration in four quarters.

• Q1 2026 shows modest sequential recovery: OpMargin rose to 9.0% and ROIC to 8.3% from Q4 2025 lows.

• TTM ROIC of 6.8% is less than half the 22.6% posted in Q3 2024, reflecting the drag from the weak Q3 2025 quarter.

• Leverage (D/E) has been range-bound between 0.32 and 0.37 across all periods — no meaningful balance-sheet stress.

⚠ Q3 2025 OpMargin of 1.6% signals a potential one-off impairment or claims spike; root cause needs confirmation.

⚠ Whether Q1 2026's 9.0% OpMargin can sustain above Q2–Q4 2025 average (~6.9%) is the key recovery test.

⚠ D/E edged up to 0.35 in Q1 2026 — monitor for further drift given compressed earnings coverage.

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Available Research

13F Pro tracks comprehensive data for Unum Group including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of UNM

BlackRock, Inc.
$1.3B18,232,504 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$682.1M9,339,402 sh
FMR LLC
$526.5M7,209,241 sh
VANGUARD CAPITAL MANAGEMENT LLC
$506.9M6,941,460 sh
STATE STREET CORP
$375.9M5,147,425 sh
DIMENSIONAL FUND ADVISORS LP
$298.3M4,084,382 sh
MORGAN STANLEY
$243.5M3,334,475 sh
GEODE CAPITAL MANAGEMENT, LLC
$242.8M3,323,897 sh
FIRST TRUST ADVISORS LP
$237.2M3,247,940 sh
ADAGE CAPITAL PARTNERS GP, L.L.C.
$146.1M2,000,000 sh

Fund	Value	Shares
BlackRock, Inc.	$1.3B	18,232,504
VANGUARD PORTFOLIO MANAGEMENT LLC	$682.1M	9,339,402
FMR LLC	$526.5M	7,209,241
VANGUARD CAPITAL MANAGEMENT LLC	$506.9M	6,941,460
STATE STREET CORP	$375.9M	5,147,425
DIMENSIONAL FUND ADVISORS LP	$298.3M	4,084,382
MORGAN STANLEY	$243.5M	3,334,475
GEODE CAPITAL MANAGEMENT, LLC	$242.8M	3,323,897
FIRST TRUST ADVISORS LP	$237.2M	3,247,940
ADAGE CAPITAL PARTNERS GP, L.L.C.	$146.1M	2,000,000

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Is UNM a good stock to buy?

13F Pro's AI-powered analysis of Unum Group (UNM) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for UNM are available on the UNM stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own UNM?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling UNM. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Unum Group's investment landscape.