Is Unum Group (UNM) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Insurance - Life | ✗ NOT HALAL | |||
| DJIM | Excluded — Insurance - Life | ✗ NOT HALAL | |||
| MSCI | Excluded — Insurance - Life | ✗ NOT HALAL | |||
| S&P | Excluded — Insurance - Life | ✗ NOT HALAL | |||
| FTSE | Excluded — Insurance - Life | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 29.3% | |
| Operating Margin | 8.4% | |
| Net Margin | 5.6% | |
| Return on Equity (ROE) | 6.7% | |
| Return on Assets (ROA) | 1.1% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $688M |
| Free Cash Flow | $555M |
| Total Debt | $3.8B |
| Debt-to-Equity | 37.0 |
| Current Ratio | 22.2 |
| Total Assets | $63.5B |
Price & Trading
| Last Close | $74.45 |
| 50-Day MA | $73.89 |
| 200-Day MA | $75.63 |
| Avg Volume | 1.7M |
| Beta | 0.2 |
|
52-Week Range
$66.81
| |
About Unum Group (UNM)
Unum Group, together with its subsidiaries, provides financial protection benefit solutions in the United States, the United Kingdom, and Poland. It operates through Unum US, Unum International, Colonial Life, and Closed Block segments. The company offers group long-term and short-term disability, group life, and accidental death and dismemberment products; supplemental and voluntary products, such as voluntary benefits, individual disability, and dental and vision products; and accident, sickness, disability, life, and cancer and critical illness products. It also provides group pensions, individual life and corporate-owned life insurance, reinsurance pools and management operations, and other miscellaneous products. The company sells its products to employers for the benefit of employees. It sells its products through field sales personnel, independent brokers, consultants, and independent contractor agent sales force and brokers. Unum Group was formerly known as UnumProvident Corporation and changed its name to Unum Group in March 2007. The company was founded in 1848 and is based in Chattanooga, Tennessee.
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Frequently Asked Questions
Is Unum Group (UNM) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Unum Group is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Unum Group's debt ratio?
Unum Group's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are Unum Group's key financial metrics?
Unum Group has a market capitalization of $12.2B, trailing P/E ratio of 17.1, and revenue of $13.0B. The company maintains a gross margin of 29.3% and a net margin of 5.6%. Return on equity stands at 6.7%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.