Unum Group (UNM) Financials

$79.51 +0.85 (+1.08%)

Closing price 05/6/2025 03:59 PM Eastern

Extended Trading

$79.81 +0.30 (+0.38%)

As of 08:02 AM Eastern

Annual Income Statements for Unum Group

This table shows Unum Group's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Income / (Loss) Attributable to Common Shareholders	867	931	994	523	1,100	793	981	1,407	1,284	1,779
Consolidated Net Income / (Loss)	867	931	994	523	1,100	793	981	1,407	1,284	1,779
Net Income / (Loss) Continuing Operations	867	931	994	523	1,100	793	981	1,407	1,284	1,779
Total Pre-Tax Income	1,238	1,348	1,404	628	1,382	964	1,261	1,750	1,640	2,251
Total Revenue	10,579	10,911	11,135	11,431	11,822	12,974	11,756	11,791	12,191	12,686
Net Interest Income / (Expense)	-153	-166	-160	-167	-177	-188	-252	-193	-195	-201
Total Interest Income	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Interest Expense	153	166	160	167	177	188	252	193	195	201
Long-Term Debt Interest Expense	153	166	160	167	177	188	252	193	195	201
Total Non-Interest Income	10,731	11,077	11,295	11,599	11,999	13,162	12,008	11,984	12,386	12,887
Other Service Charges	212	206	198	198	221	224	243	261	279	295
Net Realized & Unrealized Capital Gains on Investments	2,437	2,514	2,500	2,414	2,412	3,560	2,290	2,107	2,061	2,095
Premiums Earned	8,082	8,358	8,597	8,986	9,366	9,378	9,475	9,617	10,046	10,497
Total Non-Interest Expense	9,340	9,563	9,731	10,803	10,439	12,010	10,495	10,041	10,551	10,435
Salaries and Employee Benefits	1,831	1,866	1,913	1,994	2,021	2,011	2,013	2,176	2,333	2,425
Property & Liability Insurance Claims	6,783	6,942	7,056	8,020	7,496	8,973	8,113	7,542	7,312	7,480
Amortization of Deferred Policy Acquisition Costs	-	-	-	-	-	-	-523	-557	-632	-652
Current and Future Benefits	-	-	-	-	-	-	-560	-548	-55	-562
Other Operating Expenses	813	825	855	891	971	997	999	1,007	1,112	1,223
Amortization Expense	482	493	527	566	610	606	452	421	481	521
Income Tax Expense	371	416	410	104	282	171	280	343	356	472
Basic Earnings per Share	$3.51	$3.96	$4.39	$2.38	$5.25	$3.89	$4.80	$7.01	$6.53	$9.49
Weighted Average Basic Shares Outstanding	246.99M	235.45M	226.49M	219.64M	202.97M	203.73M	202.56M	197.29M	191.52M	176.78M
Diluted Earnings per Share	$3.50	$3.95	$4.37	$2.38	$5.24	$3.89	$4.79	$6.96	$6.50	$9.46
Weighted Average Diluted Shares Outstanding	246.99M	235.45M	226.49M	219.64M	202.97M	203.73M	202.56M	197.29M	191.52M	176.78M
Weighted Average Basic & Diluted Shares Outstanding	246.99M	235.45M	226.49M	219.64M	202.97M	203.73M	202.56M	197.29M	191.52M	176.78M
Cash Dividends to Common per Share	-	-	$0.86	$0.98	$1.09	$1.14	$1.17	$1.26	$1.39	$1.57

This table shows Unum Group's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Net Income / (Loss) Attributable to Common Shareholders	510	289	358	393	202	331	395	390	646	349	189
Consolidated Net Income / (Loss)	510	289	358	393	202	331	395	390	646	349	189
Net Income / (Loss) Continuing Operations	510	289	358	393	202	331	395	390	646	349	189
Total Pre-Tax Income	642	374	451	498	262	429	496	496	815	446	244
Total Revenue	2,908	2,958	2,988	3,063	3,044	3,096	3,151	3,184	3,168	3,184	3,040
Net Interest Income / (Expense)	-51	-47	-48	-49	-49	-49	-50	-50	-49	-53	-52
Total Interest Income	0.00	-	0.00	0.00	0.00	-	0.00	0.00	0.00	-	0.00
Total Interest Expense	51	47	48	49	49	49	50	50	49	53	52
Long-Term Debt Interest Expense	51	47	48	49	49	49	50	50	49	53	52
Total Non-Interest Income	2,959	3,005	3,036	3,112	3,093	3,145	3,200	3,233	3,217	3,237	3,092
Other Service Charges	63	64	68	71	72	69	78	72	73	72	82
Net Realized & Unrealized Capital Gains on Investments	507	531	509	532	495	525	512	535	515	534	306
Premiums Earned	2,389	2,410	2,459	2,509	2,526	2,552	2,610	2,627	2,629	2,631	2,703
Total Non-Interest Expense	2,266	2,584	2,537	2,565	2,782	2,667	2,655	2,688	2,353	2,739	2,796
Salaries and Employee Benefits	557	563	569	581	588	596	619	615	609	581	654
Property & Liability Insurance Claims	1,843	1,850	1,882	1,838	1,779	1,813	1,893	1,867	1,865	1,856	1,960
Amortization of Deferred Policy Acquisition Costs	-	-	-158	-157	-	-	-167	-165	-	-	-173
Current and Future Benefits	-342	-71	-146	-84	168	6.80	-108	-57	-403	5.20	-89
Other Operating Expenses	244	272	273	274	272	293	291	301	312	319	319
Amortization Expense	103	108	116	114	129	123	126	128	134	133	125
Income Tax Expense	131	84	93	106	60	98	101	106	169	97	55
Basic Earnings per Share	$2.55	$1.44	$1.81	$1.99	$1.03	$1.70	$2.05	$2.05	$3.46	$1.93	$1.06
Weighted Average Basic Shares Outstanding	198.94M	197.29M	197.07M	195.62M	195.05M	191.52M	189.38M	185.77M	182.61M	176.78M	174.36M
Diluted Earnings per Share	$2.53	$1.44	$1.80	$1.98	$1.02	$1.70	$2.04	$2.05	$3.46	$1.91	$1.06
Weighted Average Diluted Shares Outstanding	198.94M	197.29M	197.07M	195.62M	195.05M	191.52M	189.38M	185.77M	182.61M	176.78M	174.36M
Weighted Average Basic & Diluted Shares Outstanding	198.94M	197.29M	197.07M	195.62M	195.05M	191.52M	189.38M	185.77M	182.61M	176.78M	174.36M
Cash Dividends to Common per Share	$0.33	-	$0.33	$0.33	$0.37	-	$0.37	$0.37	$0.42	-	$0.42

This table details how cash moves in and out of Unum Group's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Change in Cash & Equivalents	10	-13	-23	17	-9.90	113	-122	44	27	17
Net Cash From Operating Activities	1,292	1,122	1,164	1,537	1,607	469	1,388	1,419	1,203	1,513
Net Cash From Continuing Operating Activities	1,467	1,320	1,366	1,742	1,704	410	1,388	1,419	1,203	1,513
Net Income / (Loss) Continuing Operations	867	931	994	523	1,100	793	981	1,407	1,284	1,779
Consolidated Net Income / (Loss)	867	931	994	523	1,100	793	981	1,407	1,284	1,779
Depreciation Expense	100	102	103	101	110	114	120	111	109	116
Amortization Expense	-	-	-	-	0.00	2.60	70	50	44	41
Non-Cash Adjustments to Reconcile Net Income	83	14	-13	86	105	-2,203	-61	33	27	48
Changes in Operating Assets and Liabilities, net	417	273	79	826	292	1,763	278	-182	-261	-471
Net Cash From Investing Activities	-713	-716	-499	-930	-1,394	-268	-1,341	-956	-726	-344
Net Cash From Continuing Investing Activities	-713	-716	-499	-930	-1,394	-268	-1,341	-956	-726	-344
Purchase of Property, Leasehold Improvements and Equipment	-100	-85	-105	-144	-151	-119	-110	-102	-135	-126
Purchase of Investment Securities	-4,257	-4,071	-3,649	-4,898	-4,963	-3,429	-4,637	-3,341	-3,494	-3,163
Sale and/or Maturity of Investments	3,644	3,441	3,255	4,112	3,720	3,280	3,406	2,487	2,903	2,944
Net Cash From Financing Activities	-569	-419	-688	-590	-223	-89	-169	-419	-450	-1,152
Net Cash From Continuing Financing Activities	-569	-419	-688	-590	-223	-89	-169	-419	-450	-1,152
Issuance of Debt	271	609	0.00	291	842	494	588	349	0.00	392
Issuance of Common Equity	6.40	8.50	11	4.60	6.10	4.40	3.40	4.00	5.20	6.00
Repayment of Debt	-226	-414	-64	-260	-519	-480	-563	-368	-2.00	-350
Repurchase of Common Equity	-418	-405	-402	-356	-400	0.00	-50	-200	-250	-973
Payment of Dividends	-174	-183	-196	-216	-229	-232	-239	-254	-277	-297
Other Financing Activities, Net	-28	-34	-37	-53	78	125	92	50	74	70

This table details how cash moves in and out of Unum Group's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Net Change in Cash & Equivalents	-8.10	-24	3.90	-15	58	-20	133	-146	31	-0.60	75
Net Cash From Operating Activities	277	357	151	314	395	344	298	339	390	486	354
Net Cash From Continuing Operating Activities	277	357	151	314	395	344	298	339	390	486	354
Net Income / (Loss) Continuing Operations	510	289	358	393	202	331	395	390	646	349	189
Consolidated Net Income / (Loss)	510	289	358	393	202	331	395	390	646	349	189
Depreciation Expense	27	27	27	26	28	28	30	29	31	26	30
Amortization Expense	12	12	11	11	11	11	10	10	10	10	9.60
Non-Cash Adjustments to Reconcile Net Income	6.40	30	-11	32	34	-28	26	30	-44	35	198
Changes in Operating Assets and Liabilities, net	-278	-0.60	-235	-148	120	1.50	-164	-120	-252	65	-73
Net Cash From Investing Activities	-177	-265	-41	-233	-225	-227	18	-291	-120	49	-12
Net Cash From Continuing Investing Activities	-177	-265	-41	-233	-225	-227	18	-291	-120	49	-12
Purchase of Property, Leasehold Improvements and Equipment	-26	-31	-29	-27	-33	-46	-28	-28	-38	-32	-36
Purchase of Investment Securities	-892	-618	-485	-1,010	-1,217	-782	-635	-538	-597	-1,393	-439
Sale and/or Maturity of Investments	742	384	474	804	1,024	600	681	275	515	1,474	463
Net Cash From Financing Activities	-108	-116	-106	-96	-112	-136	-183	-194	-240	-535	-267
Net Cash From Continuing Financing Activities	-108	-116	-106	-96	-112	-136	-183	-194	-240	-535	-267
Issuance of Common Equity	1.00	1.30	1.20	1.50	1.40	1.10	1.30	2.10	1.40	1.20	1.40
Repurchase of Common Equity	-43	-64	-51	-47	-76	-76	-122	-178	-200	-473	-201
Payment of Dividends	-66	-66	-69	-65	-71	-71	-73	-69	-78	-77	-77
Other Financing Activities, Net	18	12	13	15	34	12	10	9.00	37	14	9.60

This table presents Unum Group's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Total Assets	60,564	61,942	64,013	61,876	67,013	70,626	70,116	61,149	63,255	61,959
Cash and Due from Banks	113	100	77	94	84	197	75	119	146	163
Trading Account Securities	43,937	44,849	46,105	43,715	48,288	45,098	44,539	36,281	38,413	37,324
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Accrued Investment Income	703	693	690	691	693	611	603	615	634	650
Premises and Equipment, Net	524	501	505	547	534	498	463	452	485	488
Mortgage Servicing Rights	1,884	2,039	2,213	2,295	2,397	2,432	2,560	2,435	2,318	2,225
Unearned Premiums Asset	1,598	1,611	1,666	1,616	1,603	1,519	1,520	1,482	1,544	1,459
Deferred Acquisition Cost	2,009	2,094	2,185	2,309	2,324	2,273	2,208	2,560	2,715	2,843
Goodwill	231	335	339	350	352	353	352	348	350	349
Other Assets	9,565	9,719	10,234	10,259	10,739	17,645	17,796	16,857	16,650	16,459
Total Liabilities & Shareholders' Equity	60,564	61,942	64,013	61,876	67,013	70,626	70,116	61,149	63,255	61,959
Total Liabilities	51,900	52,974	54,438	53,254	57,048	59,755	58,699	52,414	53,604	50,998
Short-Term Debt	352	0.00	200	0.00	400	-	0.00	2.00	0.00	275
Long-Term Debt	2,449	2,999	2,738	2,971	2,927	3,346	3,442	3,428	3,430	3,465
Future Policy Benefits	43,541	44,246	45,602	44,842	47,780	49,653	48,008	38,577	40,009	36,806
Unearned Premiums Liability	384	364	373	363	364	349	348	366	380	384
Participating Policy Holder Equity	1,675	1,624	1,595	1,595	1,600	1,664	1,791	7,491	7,283	5,634
Other Long-Term Liabilities	2,014	2,233	2,325	3,483	2,233	2,888	3,203	2,551	2,500	4,434
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	8,664	8,968	9,575	8,622	9,965	10,871	11,416	8,735	9,651	10,961
Total Preferred & Common Equity	8,664	8,968	9,575	8,622	9,965	10,871	11,416	8,735	9,651	10,961
Total Common Equity	8,664	8,968	9,575	8,622	9,965	10,871	11,416	8,735	9,651	10,961
Common Stock	2,278	2,303	2,334	2,352	2,379	2,407	2,439	2,472	1,567	1,509
Retained Earnings	7,995	8,744	9,542	9,863	10,729	11,270	11,853	13,141	11,432	12,914
Treasury Stock	-1,625	-2,028	-2,429	-2,779	-3,180	-3,180	-3,230	-3,430	-39	-938
Accumulated Other Comprehensive Income / (Loss)	16	-51	128	-814	37	374	354	-3,448	-3,308	-2,524

This table presents Unum Group's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025
Period end date	9/30/2022	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025
Total Assets	60,378	62,424	61,904	59,955	62,488	62,044	64,141	62,460
Cash and Due from Banks	0.00	123	108	166	279	133	163	238
Trading Account Securities	0.00	37,640	36,877	35,578	37,868	37,599	39,466	37,441
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Accrued Investment Income	0.00	636	715	705	661	714	787	623
Premises and Equipment, Net	0.00	456	460	463	484	483	495	496
Mortgage Servicing Rights	0.00	2,390	2,373	2,322	2,299	2,261	2,239	2,188
Unearned Premiums Asset	0.00	1,557	1,606	1,508	1,594	1,579	1,496	1,557
Deferred Acquisition Cost	2,527	2,602	2,647	2,669	2,755	2,792	2,824	2,893
Goodwill	0.00	348	350	348	350	350	352	351
Other Assets	11,850	16,671	16,769	16,197	16,199	16,135	16,319	16,673
Total Liabilities & Shareholders' Equity	0.00	62,424	61,904	59,955	62,488	62,044	64,141	62,460
Total Liabilities	51,975	53,176	52,659	50,336	52,268	51,580	53,189	51,246
Short-Term Debt	0.00	2.00	2.00	2.00	-	-	-	275
Long-Term Debt	0.00	3,429	3,429	3,430	3,431	3,470	3,470	3,467
Future Policy Benefits	37,808	39,352	38,945	36,502	38,625	37,899	39,445	37,031
Unearned Premiums Liability	407	452	495	447	470	503	475	476
Participating Policy Holder Equity	5,813	7,437	7,394	7,376	7,221	7,228	7,169	7,144
Other Long-Term Liabilities	21	2,506	2,394	2,579	2,521	2,480	2,631	2,854
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	9,307	9,247	9,246	9,618	10,220	10,465	10,951	11,214
Total Preferred & Common Equity	8,403	9,247	9,246	9,618	10,220	10,465	10,951	11,214
Total Common Equity	9,307	9,247	9,246	9,618	10,220	10,465	10,951	11,214
Common Stock	0.00	2,463	2,476	2,485	1,568	1,578	1,583	1,588
Retained Earnings	12,918	13,430	13,758	13,889	11,754	12,075	12,642	13,026
Treasury Stock	0.00	-3,483	-3,530	-3,605	-162	-342	-544	-1,221
Accumulated Other Comprehensive Income / (Loss)	-3,611	-3,162	-3,458	-3,151	-2,940	-2,846	-2,730	-2,179

This table displays calculated financial ratios and metrics derived from Unum Group's official financial filings.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	2.14%	3.14%	2.05%	2.66%	3.41%	9.75%	-9.39%	0.31%	3.39%	4.06%
EBITDA Growth	112.38%	8.34%	4.00%	-51.63%	104.64%	-27.61%	34.25%	31.76%	-6.17%	34.34%
EBIT Growth	128.47%	8.83%	4.18%	-55.28%	120.15%	-30.25%	30.77%	38.82%	-6.28%	37.27%
NOPAT Growth	115.64%	7.42%	6.74%	-47.35%	110.22%	-27.93%	23.71%	43.45%	-8.77%	38.58%
Net Income Growth	115.64%	7.42%	6.74%	-47.35%	110.22%	-27.93%	23.71%	43.45%	-8.77%	38.58%
EPS Growth	122.93%	12.86%	10.63%	-45.54%	120.17%	-25.76%	23.14%	45.30%	-6.61%	45.54%
Operating Cash Flow Growth	5.60%	-13.20%	3.79%	31.99%	4.56%	-70.79%	195.65%	2.25%	-15.22%	25.81%
Free Cash Flow Firm Growth	89.99%	-39.05%	4.45%	221.92%	-141.44%	77.92%	356.70%	1,109.38%	-91.06%	-56.38%
Invested Capital Growth	1.44%	4.38%	4.56%	-7.35%	14.65%	6.96%	4.52%	-18.13%	7.54%	12.38%
Revenue Q/Q Growth	0.79%	0.96%	0.18%	0.26%	1.53%	10.32%	-9.99%	0.30%	1.11%	0.70%
EBITDA Q/Q Growth	137.62%	3.94%	-1.74%	-4.62%	5.00%	-18.84%	23.32%	-0.89%	3.18%	0.60%
EBIT Q/Q Growth	165.10%	4.22%	-1.81%	-5.54%	5.34%	-20.84%	26.57%	-0.89%	3.48%	0.75%
NOPAT Q/Q Growth	141.67%	2.41%	1.94%	-3.29%	4.47%	-16.86%	22.64%	-1.90%	3.33%	1.03%
Net Income Q/Q Growth	141.67%	2.41%	1.94%	-3.29%	4.47%	-16.86%	22.64%	-1.90%	3.33%	1.03%
EPS Q/Q Growth	134.90%	3.40%	2.82%	-0.83%	5.65%	-16.52%	22.51%	-1.56%	4.17%	2.27%
Operating Cash Flow Q/Q Growth	1.02%	7.06%	-6.37%	12.07%	-6.04%	-71.18%	1,317.26%	-7.99%	-1.10%	10.38%
Free Cash Flow Firm Q/Q Growth	-38.86%	356.76%	-52.98%	0.10%	-16.38%	46.76%	-33.65%	-45.98%	110.77%	-58.88%
Invested Capital Q/Q Growth	1.42%	-3.34%	0.89%	0.79%	1.70%	-0.38%	2.05%	44.77%	0.24%	1.94%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	12.65%	13.28%	13.54%	6.38%	12.62%	8.33%	12.34%	16.21%	14.71%	18.99%
EBIT Margin	11.71%	12.35%	12.61%	5.49%	11.69%	7.43%	10.72%	14.84%	13.45%	17.75%
Profit (Net Income) Margin	8.20%	8.54%	8.93%	4.58%	9.31%	6.11%	8.35%	11.93%	10.53%	14.02%
Tax Burden Percent	70.02%	69.11%	70.81%	83.37%	79.61%	82.26%	77.82%	80.41%	78.28%	79.03%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	29.98%	30.89%	29.19%	16.63%	20.39%	17.74%	22.18%	19.59%	21.72%	20.97%
Return on Invested Capital (ROIC)	7.62%	7.95%	8.12%	4.34%	8.84%	5.77%	6.75%	10.41%	10.17%	12.81%
ROIC Less NNEP Spread (ROIC-NNEP)	7.62%	7.95%	8.12%	4.34%	8.84%	5.77%	6.75%	10.41%	10.17%	12.81%
Return on Net Nonoperating Assets (RNNOA)	2.47%	2.62%	2.60%	1.41%	3.00%	1.85%	2.06%	3.55%	3.79%	4.46%
Return on Equity (ROE)	10.09%	10.56%	10.72%	5.75%	11.84%	7.61%	8.80%	13.97%	13.96%	17.26%
Cash Return on Invested Capital (CROIC)	6.19%	3.66%	3.66%	11.98%	-4.81%	-0.96%	2.33%	30.35%	2.91%	1.15%
Operating Return on Assets (OROA)	2.01%	2.20%	2.23%	1.00%	2.14%	1.40%	1.79%	2.67%	2.64%	3.60%
Return on Assets (ROA)	1.41%	1.52%	1.58%	0.83%	1.71%	1.15%	1.39%	2.14%	2.06%	2.84%
Return on Common Equity (ROCE)	10.09%	10.56%	10.72%	5.75%	11.84%	7.61%	8.80%	13.97%	13.96%	17.26%
Return on Equity Simple (ROE_SIMPLE)	10.01%	10.39%	10.38%	6.07%	11.04%	7.29%	8.59%	16.11%	13.30%	16.23%
Net Operating Profit after Tax (NOPAT)	867	931	994	523	1,100	793	981	1,407	1,284	1,779
NOPAT Margin	8.20%	8.54%	8.93%	4.58%	9.31%	6.11%	8.35%	11.93%	10.53%	14.02%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	17.31%	17.10%	17.18%	17.45%	17.10%	15.50%	17.13%	18.45%	19.13%	19.11%
Operating Expenses to Revenue	88.29%	87.65%	87.39%	94.51%	88.31%	92.57%	89.28%	85.16%	86.55%	82.25%
Earnings before Interest and Taxes (EBIT)	1,238	1,348	1,404	628	1,382	964	1,261	1,750	1,640	2,251
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	1,338	1,449	1,507	729	1,492	1,080	1,450	1,911	1,793	2,409
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.69	0.87	1.00	0.59	0.49	0.38	0.40	0.87	0.88	1.21
Price to Tangible Book Value (P/TBV)	0.71	0.90	1.03	0.62	0.51	0.39	0.41	0.91	0.92	1.25
Price to Revenue (P/Rev)	0.57	0.71	0.86	0.45	0.42	0.31	0.39	0.65	0.70	1.05
Price to Earnings (P/E)	6.94	8.33	9.59	9.73	4.48	5.14	4.67	5.43	6.63	7.45
Dividend Yield	2.83%	2.30%	2.02%	4.21%	4.56%	5.69%	5.22%	3.28%	3.18%	2.16%
Earnings Yield	14.41%	12.01%	10.42%	10.28%	22.32%	19.45%	21.42%	18.42%	15.07%	13.42%
Enterprise Value to Invested Capital (EV/IC)	0.76	0.89	0.99	0.69	0.61	0.51	0.53	0.90	0.90	1.15
Enterprise Value to Revenue (EV/Rev)	0.82	0.98	1.11	0.70	0.69	0.56	0.68	0.93	0.97	1.33
Enterprise Value to EBITDA (EV/EBITDA)	6.51	7.35	8.22	10.93	5.48	6.69	5.48	5.73	6.58	6.99
Enterprise Value to EBIT (EV/EBIT)	7.03	7.91	8.83	12.70	5.91	7.50	6.30	6.26	7.20	7.48
Enterprise Value to NOPAT (EV/NOPAT)	10.04	11.44	12.47	15.23	7.43	9.11	8.10	7.78	9.19	9.46
Enterprise Value to Operating Cash Flow (EV/OCF)	6.74	9.50	10.65	5.19	5.09	15.40	5.73	7.72	9.81	11.13
Enterprise Value to Free Cash Flow (EV/FCFF)	12.36	24.82	27.65	5.52	0.00	0.00	23.43	2.67	32.17	105.24
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.32	0.33	0.31	0.34	0.33	0.31	0.30	0.39	0.36	0.34
Long-Term Debt to Equity	0.28	0.33	0.29	0.34	0.29	0.31	0.30	0.39	0.36	0.32
Financial Leverage	0.32	0.33	0.32	0.32	0.34	0.32	0.30	0.34	0.37	0.35
Leverage Ratio	7.16	6.95	6.79	6.92	6.93	6.61	6.31	6.51	6.77	6.07
Compound Leverage Factor	7.16	6.95	6.79	6.92	6.93	6.61	6.31	6.51	6.77	6.07
Debt to Total Capital	24.43%	25.06%	23.48%	25.63%	25.03%	23.53%	23.17%	28.19%	26.22%	25.44%
Short-Term Debt to Total Capital	3.07%	0.00%	1.60%	0.00%	3.01%	0.00%	0.00%	0.02%	0.00%	1.87%
Long-Term Debt to Total Capital	21.36%	25.06%	21.88%	25.63%	22.02%	23.53%	23.17%	28.18%	26.22%	23.57%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	75.57%	74.94%	76.52%	74.37%	74.97%	76.47%	76.83%	71.81%	73.78%	74.56%
Debt to EBITDA	2.09	2.07	1.95	4.07	2.23	3.10	2.37	1.80	1.91	1.55
Net Debt to EBITDA	2.01	2.00	1.90	3.95	2.17	2.91	2.32	1.73	1.83	1.49
Long-Term Debt to EBITDA	1.83	2.07	1.82	4.07	1.96	3.10	2.37	1.79	1.91	1.44
Debt to NOPAT	3.23	3.22	2.96	5.68	3.02	4.22	3.51	2.44	2.67	2.10
Net Debt to NOPAT	3.10	3.11	2.88	5.50	2.95	3.97	3.43	2.35	2.56	2.01
Long-Term Debt to NOPAT	2.82	3.22	2.75	5.68	2.66	4.22	3.51	2.44	2.67	1.95
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	704	429	448	1,444	-598	-132	339	4,101	367	160
Operating Cash Flow to CapEx	1,289.52%	1,319.53%	1,105.51%	1,066.27%	1,064.68%	394.04%	1,257.93%	1,388.16%	892.28%	1,203.82%
Free Cash Flow to Firm to Interest Expense	4.61	2.59	2.80	8.63	-3.37	-0.70	1.34	21.28	1.88	0.80
Operating Cash Flow to Interest Expense	8.46	6.76	7.28	9.18	9.06	2.49	5.50	7.36	6.17	7.52
Operating Cash Flow Less CapEx to Interest Expense	7.80	6.24	6.62	8.32	8.21	1.86	5.06	6.83	5.48	6.90
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.17	0.18	0.18	0.18	0.18	0.19	0.17	0.18	0.20	0.20
Fixed Asset Turnover	20.04	21.30	22.15	21.74	21.87	25.14	24.47	25.79	26.02	26.08
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	11,465	11,967	12,513	11,593	13,292	14,217	14,859	12,165	13,082	14,701
Invested Capital Turnover	0.93	0.93	0.91	0.95	0.95	0.94	0.81	0.87	0.97	0.91
Increase / (Decrease) in Invested Capital	163	502	546	-920	1,699	925	642	-2,694	917	1,619
Enterprise Value (EV)	8,708	10,656	12,398	7,970	8,171	7,226	7,946	10,950	11,801	16,839
Market Capitalization	6,019	7,757	9,537	5,093	4,929	4,077	4,579	7,639	8,517	13,262
Book Value per Share	$35.59	$38.64	$42.67	$39.41	$48.31	$53.38	$55.84	$43.91	$49.48	$60.02
Tangible Book Value per Share	$34.64	$37.19	$41.16	$37.81	$46.61	$51.64	$54.12	$42.16	$47.69	$58.11
Total Capital	11,465	11,967	12,513	11,593	13,292	14,217	14,859	12,165	13,082	14,701
Total Debt	2,801	2,999	2,938	2,971	3,327	3,346	3,442	3,430	3,430	3,740
Total Long-Term Debt	2,449	2,999	2,738	2,971	2,927	3,346	3,442	3,428	3,430	3,465
Net Debt	2,689	2,899	2,861	2,877	3,243	3,149	3,367	3,311	3,284	3,577
Capital Expenditures (CapEx)	100	85	105	144	151	119	110	102	135	126
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	2,801	2,999	2,938	2,971	3,327	3,346	3,442	3,430	3,430	3,740
Total Depreciation and Amortization (D&A)	100	102	103	101	110	116	190	161	153	158
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$3.51	$3.96	$4.39	$2.38	$5.25	$3.89	$4.04	$6.55	$6.53	$9.49
Adjusted Weighted Average Basic Shares Outstanding	238.86M	229.23M	221.26M	214.63M	202.97M	203.73M	202.56M	197.29M	191.52M	176.78M
Adjusted Diluted Earnings per Share	$3.50	$3.95	$4.37	$2.38	$5.24	$3.89	$4.02	$6.50	$6.50	$9.46
Adjusted Weighted Average Diluted Shares Outstanding	238.86M	229.23M	221.26M	214.63M	202.97M	203.73M	202.56M	197.29M	191.52M	176.78M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	238.86M	229.23M	221.26M	214.63M	202.97M	203.73M	202.56M	197.29M	191.52M	176.78M
Normalized Net Operating Profit after Tax (NOPAT)	867	952	1,000	523	1,100	793	981	1,407	1,284	1,779
Normalized NOPAT Margin	8.20%	8.73%	8.98%	4.58%	9.31%	6.11%	8.35%	11.93%	10.53%	14.02%
Pre Tax Income Margin	11.71%	12.35%	12.61%	5.49%	11.69%	7.43%	10.72%	14.84%	13.45%	17.75%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	8.10	8.12	8.78	3.75	7.79	5.12	5.00	9.08	8.42	11.19
NOPAT to Interest Expense	5.67	5.61	6.22	3.13	6.20	4.21	3.89	7.30	6.59	8.85
EBIT Less CapEx to Interest Expense	7.45	7.61	8.12	2.89	6.94	4.49	4.56	8.55	7.73	10.57
NOPAT Less CapEx to Interest Expense	5.02	5.10	5.56	2.27	5.35	3.58	3.45	6.77	5.90	8.22
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	20.09%	19.60%	19.71%	41.19%	20.83%	29.24%	24.40%	18.06%	21.58%	16.67%
Augmented Payout Ratio	68.29%	63.11%	60.13%	109.25%	57.21%	29.24%	29.50%	32.28%	41.07%	71.35%

This table displays calculated financial ratios and metrics derived from Unum Group's official financial filings.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-0.58%	1.20%	1.85%	2.38%	4.68%	4.68%	5.45%	3.92%	4.07%	2.85%	-3.53%
EBITDA Growth	47.87%	-4.00%	44.23%	11.73%	-55.76%	13.41%	9.63%	-0.07%	184.35%	3.08%	-47.18%
EBIT Growth	56.53%	-4.06%	52.62%	13.48%	-59.21%	14.78%	9.84%	-0.58%	211.27%	3.92%	-50.86%
NOPAT Growth	55.30%	-8.63%	49.04%	6.97%	-60.42%	14.32%	10.30%	-0.87%	219.65%	5.47%	-52.15%
Net Income Growth	55.30%	-8.63%	49.04%	6.97%	-60.42%	14.32%	10.30%	-0.87%	219.65%	5.47%	-52.15%
EPS Growth	58.13%	-7.10%	52.54%	9.39%	-59.68%	18.06%	13.33%	3.54%	239.22%	12.35%	-48.04%
Operating Cash Flow Growth	-34.81%	-25.66%	-53.78%	-31.65%	42.53%	-3.75%	98.07%	8.13%	-1.29%	41.43%	18.54%
Free Cash Flow Firm Growth	16,651.51%	1,016.72%	-174.72%	-164.52%	-166.67%	-119.66%	89.37%	80.69%	83.66%	-116.64%	-93.28%
Invested Capital Growth	-42.29%	-18.13%	84.06%	62.78%	55.30%	7.54%	7.67%	9.92%	10.51%	12.38%	9.56%
Revenue Q/Q Growth	-2.82%	1.71%	0.88%	2.52%	-0.63%	1.71%	1.77%	1.04%	-0.49%	0.51%	-4.54%
EBITDA Q/Q Growth	41.94%	-39.39%	18.63%	9.47%	-43.80%	55.40%	14.67%	-0.22%	59.93%	-43.67%	-41.24%
EBIT Q/Q Growth	46.08%	-41.79%	20.83%	10.44%	-47.49%	63.81%	15.63%	-0.04%	64.40%	-45.31%	-45.32%
NOPAT Q/Q Growth	38.93%	-43.33%	23.89%	9.66%	-48.59%	63.66%	19.54%	-1.44%	65.78%	-46.00%	-45.77%
Net Income Q/Q Growth	38.93%	-43.33%	23.89%	9.66%	-48.59%	63.66%	19.54%	-1.44%	65.78%	-46.00%	-45.77%
EPS Q/Q Growth	39.78%	-43.08%	25.00%	10.00%	-48.48%	66.67%	20.00%	0.49%	68.78%	-44.80%	-44.50%
Operating Cash Flow Q/Q Growth	-39.58%	28.75%	-57.80%	108.23%	25.99%	-13.06%	-13.16%	13.68%	15.01%	24.56%	-27.21%
Free Cash Flow Firm Q/Q Growth	-4.32%	-55.26%	-282.09%	17.22%	1.14%	86.81%	1.53%	-50.40%	16.37%	-74.94%	12.15%
Invested Capital Q/Q Growth	7.90%	44.77%	4.22%	-0.01%	2.94%	0.24%	4.35%	2.08%	3.49%	1.94%	1.73%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	23.39%	13.94%	16.37%	17.48%	9.89%	15.10%	17.02%	16.81%	27.01%	15.14%	9.32%
EBIT Margin	22.06%	12.63%	15.10%	16.27%	8.60%	13.85%	15.73%	15.56%	25.72%	13.99%	8.01%
Profit (Net Income) Margin	17.55%	9.78%	11.99%	12.83%	6.64%	10.68%	12.54%	12.24%	20.38%	10.95%	6.22%
Tax Burden Percent	79.54%	77.43%	79.39%	78.83%	77.19%	77.12%	79.73%	78.61%	79.27%	78.27%	77.63%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	20.46%	22.57%	20.61%	21.17%	22.81%	22.88%	20.27%	21.39%	20.73%	21.73%	22.37%
Return on Invested Capital (ROIC)	17.97%	8.53%	14.53%	14.94%	7.46%	10.31%	11.77%	11.47%	18.69%	10.00%	5.47%
ROIC Less NNEP Spread (ROIC-NNEP)	17.97%	8.53%	14.53%	14.94%	7.46%	10.31%	11.77%	11.47%	18.69%	10.00%	5.47%
Return on Net Nonoperating Assets (RNNOA)	2.23%	2.91%	2.22%	2.13%	1.00%	3.85%	4.15%	4.02%	6.27%	3.48%	1.83%
Return on Equity (ROE)	20.20%	11.44%	16.74%	17.07%	8.46%	14.16%	15.92%	15.49%	24.97%	13.48%	7.30%
Cash Return on Invested Capital (CROIC)	66.12%	30.35%	-43.60%	-32.63%	-31.74%	2.91%	2.64%	0.45%	2.83%	1.15%	1.87%
Operating Return on Assets (OROA)	3.96%	2.27%	2.75%	3.09%	1.72%	2.71%	3.11%	3.13%	5.22%	2.84%	1.61%
Return on Assets (ROA)	3.15%	1.76%	2.18%	2.44%	1.33%	2.09%	2.48%	2.46%	4.14%	2.22%	1.25%
Return on Common Equity (ROCE)	20.20%	11.44%	16.74%	17.07%	8.46%	14.16%	15.92%	15.49%	24.97%	13.48%	7.30%
Return on Equity Simple (ROE_SIMPLE)	17.07%	0.00%	16.49%	16.77%	12.92%	0.00%	12.92%	12.59%	16.08%	0.00%	14.03%
Net Operating Profit after Tax (NOPAT)	510	289	358	393	202	331	395	390	646	349	189
NOPAT Margin	17.55%	9.78%	11.99%	12.83%	6.64%	10.68%	12.54%	12.24%	20.38%	10.95%	6.22%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	19.17%	19.03%	19.04%	18.95%	19.30%	19.24%	19.66%	19.32%	19.23%	18.25%	21.50%
Operating Expenses to Revenue	77.94%	87.37%	84.90%	83.73%	91.40%	86.15%	84.27%	84.44%	74.29%	86.01%	91.99%
Earnings before Interest and Taxes (EBIT)	642	374	451	498	262	429	496	496	815	446	244
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	680	412	489	535	301	468	536	535	856	482	283
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.78	0.87	0.81	0.98	0.96	0.88	1.01	0.92	1.00	1.21	1.28
Price to Tangible Book Value (P/TBV)	0.78	0.91	0.84	1.02	1.00	0.92	1.04	0.95	1.03	1.25	1.32
Price to Revenue (P/Rev)	0.62	0.65	0.63	0.76	0.77	0.70	0.83	0.77	0.87	1.05	1.14
Price to Earnings (P/E)	5.09	5.43	4.89	5.84	7.46	6.63	7.81	7.29	6.23	7.45	9.11
Dividend Yield	3.37%	3.28%	3.41%	2.87%	2.86%	3.18%	2.70%	2.88%	2.57%	2.16%	2.01%
Earnings Yield	19.66%	18.42%	20.46%	17.13%	13.40%	15.07%	12.81%	13.72%	16.05%	13.42%	10.98%
Enterprise Value to Invested Capital (EV/IC)	0.87	0.90	0.85	0.98	0.96	0.90	0.99	0.93	0.99	1.15	1.19
Enterprise Value to Revenue (EV/Rev)	0.62	0.93	0.91	1.04	1.04	0.97	1.09	1.04	1.13	1.33	1.42
Enterprise Value to EBITDA (EV/EBITDA)	3.78	5.73	5.22	5.85	7.22	6.58	7.32	7.03	5.96	6.99	8.27
Enterprise Value to EBIT (EV/EBIT)	4.13	6.26	5.65	6.30	7.91	7.20	7.99	7.70	6.39	7.48	8.92
Enterprise Value to NOPAT (EV/NOPAT)	5.09	7.78	7.06	7.98	10.09	9.19	10.19	9.82	8.11	9.46	11.33
Enterprise Value to Operating Cash Flow (EV/OCF)	4.73	7.72	8.65	11.27	10.31	9.81	9.97	9.40	10.41	11.13	11.37
Enterprise Value to Free Cash Flow (EV/FCFF)	0.96	2.67	0.00	0.00	0.00	32.17	38.68	217.86	36.69	105.24	66.55
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.00	0.39	0.37	0.37	0.36	0.36	0.34	0.33	0.32	0.34	0.33
Long-Term Debt to Equity	0.00	0.39	0.37	0.37	0.36	0.36	0.34	0.33	0.32	0.32	0.31
Financial Leverage	0.12	0.34	0.15	0.14	0.13	0.37	0.35	0.35	0.34	0.35	0.33
Leverage Ratio	6.41	6.51	7.67	7.00	6.36	6.77	6.42	6.29	6.03	6.07	5.83
Compound Leverage Factor	6.41	6.51	7.67	7.00	6.36	6.77	6.42	6.29	6.03	6.07	5.83
Debt to Total Capital	0.00%	28.19%	27.06%	27.07%	26.30%	26.22%	25.13%	24.90%	24.06%	25.44%	25.02%
Short-Term Debt to Total Capital	0.00%	0.02%	0.02%	0.02%	0.02%	0.00%	0.00%	0.00%	0.00%	1.87%	1.84%
Long-Term Debt to Total Capital	0.00%	28.18%	27.04%	27.05%	26.28%	26.22%	25.13%	24.90%	24.06%	23.57%	23.18%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	100.00%	71.81%	72.94%	72.93%	73.70%	73.78%	74.87%	75.10%	75.94%	74.56%	74.98%
Debt to EBITDA	0.00	1.80	1.66	1.62	1.97	1.91	1.86	1.89	1.45	1.55	1.74
Net Debt to EBITDA	0.00	1.73	1.60	1.57	1.88	1.83	1.71	1.81	1.38	1.49	1.63
Long-Term Debt to EBITDA	0.00	1.79	1.66	1.62	1.97	1.91	1.86	1.89	1.45	1.44	1.61
Debt to NOPAT	0.00	2.44	2.25	2.21	2.76	2.67	2.60	2.63	1.97	2.10	2.38
Net Debt to NOPAT	0.00	2.35	2.17	2.14	2.63	2.56	2.39	2.53	1.88	2.01	2.23
Long-Term Debt to NOPAT	0.00	2.44	2.25	2.21	2.76	2.67	2.60	2.63	1.97	1.95	2.20
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	6,667	2,983	-5,432	-4,496	-4,445	-586	-577	-868	-726	-1,270	-1,116
Operating Cash Flow to CapEx	1,050.00%	1,136.62%	517.53%	1,152.94%	1,204.57%	751.64%	1,054.06%	1,224.19%	1,034.48%	1,518.13%	987.71%
Free Cash Flow to Firm to Interest Expense	130.22	63.20	-112.93	-91.95	-91.46	-11.92	-11.66	-17.40	-14.76	-24.20	-21.46
Operating Cash Flow to Interest Expense	5.41	7.56	3.13	6.41	8.13	6.98	6.03	6.80	7.93	9.25	6.80
Operating Cash Flow Less CapEx to Interest Expense	4.90	6.90	2.53	5.86	7.45	6.05	5.45	6.24	7.16	8.64	6.11
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.18	0.18	0.18	0.19	0.20	0.20	0.20	0.20	0.20	0.20	0.20
Fixed Asset Turnover	0.00	25.79	0.00	0.00	0.00	26.02	26.28	26.45	26.29	26.08	25.66
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	8,403	12,165	12,678	12,677	13,050	13,082	13,651	13,935	14,422	14,701	14,956
Invested Capital Turnover	1.02	0.87	1.21	1.17	1.12	0.97	0.94	0.94	0.92	0.91	0.88
Increase / (Decrease) in Invested Capital	-6,157	-2,694	5,790	4,889	4,647	917	973	1,258	1,372	1,619	1,305
Enterprise Value (EV)	7,297	10,950	10,761	12,374	12,539	11,801	13,463	12,941	14,276	16,839	17,828
Market Capitalization	7,297	7,639	7,454	9,051	9,273	8,517	10,311	9,603	10,969	13,262	14,324
Book Value per Share	$46.53	$43.91	$46.87	$46.92	$49.17	$49.48	$53.96	$55.26	$58.95	$60.02	$63.44
Tangible Book Value per Share	$46.53	$42.16	$45.11	$45.14	$47.39	$47.69	$52.12	$53.41	$57.06	$58.11	$61.45
Total Capital	9,307	12,165	12,678	12,677	13,050	13,082	13,651	13,935	14,422	14,701	14,956
Total Debt	0.00	3,430	3,431	3,431	3,432	3,430	3,431	3,470	3,470	3,740	3,742
Total Long-Term Debt	0.00	3,428	3,429	3,429	3,430	3,430	3,431	3,470	3,470	3,465	3,467
Net Debt	0.00	3,311	3,307	3,323	3,266	3,284	3,152	3,338	3,307	3,577	3,504
Capital Expenditures (CapEx)	26	31	29	27	33	46	28	28	38	32	36
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	-904	3,430	3,431	3,431	3,432	3,430	3,431	3,470	3,470	3,740	3,742
Total Depreciation and Amortization (D&A)	39	39	38	37	39	39	41	40	41	37	40
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$2.05	$1.44	$1.81	$1.99	$1.03	$1.70	$2.05	$2.05	$3.46	$1.93	$1.06
Adjusted Weighted Average Basic Shares Outstanding	198.94M	197.29M	197.07M	195.62M	195.05M	191.52M	189.38M	185.77M	182.61M	176.78M	174.36M
Adjusted Diluted Earnings per Share	$2.04	$1.44	$1.80	$1.98	$1.02	$1.70	$2.04	$2.05	$3.46	$1.91	$1.06
Adjusted Weighted Average Diluted Shares Outstanding	198.94M	197.29M	197.07M	195.62M	195.05M	191.52M	189.38M	185.77M	182.61M	176.78M	174.36M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	198.94M	197.29M	197.07M	195.62M	195.05M	191.52M	189.38M	185.77M	182.61M	176.78M	174.36M
Normalized Net Operating Profit after Tax (NOPAT)	510	289	358	393	202	331	395	390	646	349	189
Normalized NOPAT Margin	17.55%	9.78%	11.99%	12.83%	6.64%	10.68%	12.54%	12.24%	20.38%	10.95%	6.22%
Pre Tax Income Margin	22.06%	12.63%	15.10%	16.27%	8.60%	13.85%	15.73%	15.56%	25.72%	13.99%	8.01%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	12.53	7.91	9.38	10.19	5.38	8.71	10.01	9.93	16.56	8.49	4.68
NOPAT to Interest Expense	9.97	6.13	7.45	8.03	4.16	6.72	7.98	7.81	13.12	6.64	3.64
EBIT Less CapEx to Interest Expense	12.02	7.25	8.78	9.64	4.71	7.78	9.44	9.37	15.79	7.88	4.00
NOPAT Less CapEx to Interest Expense	9.45	5.46	6.84	7.48	3.48	5.79	7.41	7.25	12.36	6.03	2.95
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	17.41%	18.06%	17.14%	17.17%	21.85%	21.58%	21.23%	21.58%	16.51%	16.67%	19.14%
Augmented Payout Ratio	30.39%	32.28%	30.34%	30.41%	41.03%	41.07%	45.52%	55.86%	49.21%	71.35%	85.99%

Frequently Asked Questions About Unum Group's Financials

When does Unum Group's financial year end?

According to the most recent income statement we have on file, Unum Group's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Unum Group's net income changed over the last 9 years?

Unum Group's net income appears to be on an upward trend, with a most recent value of $1.78 billion in 2024, rising from $867.10 million in 2015. The previous period was $1.28 billion in 2023. See where experts think Unum Group is headed by visiting Unum Group's forecast page.

How has Unum Group revenue changed over the last 9 years?

Over the last 9 years, Unum Group's total revenue changed from $10.58 billion in 2015 to $12.69 billion in 2024, a change of 19.9%.

How much debt does Unum Group have?

Unum Group's total liabilities were at $51.00 billion at the end of 2024, a 4.9% decrease from 2023, and a 1.7% decrease since 2015.

How much cash does Unum Group have?

In the past 9 years, Unum Group's cash and equivalents has ranged from $75 million in 2021 to $197 million in 2020, and is currently $162.80 million as of their latest financial filing in 2024.

How has Unum Group's book value per share changed over the last 9 years?

Over the last 9 years, Unum Group's book value per share changed from 35.59 in 2015 to 60.02 in 2024, a change of 68.7%.

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This page (NYSE:UNM) was last updated on 5/7/2025 by MarketBeat.com Staff

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Unum Group (UNM) Financials

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