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Unum Group (UNM) Financials

Unum Group logo
$69.16 -0.76 (-1.09%)
Closing price 03:59 PM Eastern
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$69.16 -0.01 (-0.01%)
As of 04:20 PM Eastern
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Annual Income Statements for Unum Group

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

Quarterly Income Statements for Unum Group

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

Annual Cash Flow Statements for Unum Group

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

Quarterly Cash Flow Statements for Unum Group

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

Annual Balance Sheets for Unum Group

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

Quarterly Balance Sheets for Unum Group

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

Annual Metrics And Ratios for Unum Group

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%

Quarterly Metrics And Ratios for Unum Group

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%

Key Financial Trends

Unum Group's recent financial results for Q1 2025 suggest a mixed but generally stable performance compared to prior quarters. Below are key observations based on the analysis of income statements, cash flow, and balance sheets over the past four years up to Q1 2025.

  • Net Income Growth Recently: Despite some volatility, Q1 2025 net income stood at $189.1 million. Although lower than recent quarters like Q4 2024 ($348.7 million) and Q3 2024 ($645.7 million), the company is still profitable.
  • Stable Premiums Earned: Premiums earned have gradually increased from $2.39 billion in Q3 2022 to $2.70 billion in Q1 2025, reflecting steady revenue growth in core insurance operations.
  • Consistent Dividends and Shareholder Returns: Cash dividends per share have risen over time from $0.33 in early 2023 to $0.42 in Q1 2025 indicating management's commitment to returning capital.
  • Strong Operating Cash Flow: Operating cash flow was solid at $353.6 million in Q1 2025, showing the company generates good cash from its core operations, supporting sustainability.
  • Capital Management: Unum continues to buy back shares, repurchasing $200.5 million in Q1 2025, which can signal confidence by management and is accretive to shareholders.
  • Net Interest Income is a Net Expense: The company reported net interest expense of $52 million in Q1 2025, consistent with prior quarters, which is typical due to debt interest costs exceeding interest income.
  • Amortization and Capital Costs: There are negative values reported for amortization of deferred policy acquisition costs and current/future benefits, reflecting amortization expense and reserves development affecting income volatility in insurance companies.
  • Investment Gains Fluctuate: Net realized and unrealized capital gains showed a decrease from over $533 million in Q4 2024 to $306 million in Q1 2025, which may introduce earnings volatility tied to market performance.
  • Increasing Insurance Claims Expense: Property and liability insurance claims expense rose to $1.96 billion in Q1 2025 from about $1.81 billion in Q4 2023, pressuring profitability.
  • Lower Net Income Trend Over Recent Quarters: Net income in the latest quarter (Q1 2025) has dropped significantly compared to prior quarters (e.g., Q3 2024 at $645.7 million), which may raise concerns about short-term earnings pressure from claims and investment fluctuations.

Balance Sheet Highlights: Total assets remained sizable at approximately $62.5 billion in Q1 2025, with stable long-term debt around $3.46 billion. The company sustained strong equity of $11.2 billion, underpinning financial stability. Cash and equivalents increased to $237.7 million, which improves liquidity compared to recent quarters.

Summary: Unum Group shows consistent core revenue growth, disciplined capital returns, and strong cash flow generation. However, it faces notable challenges from rising insurance claims and investment income variance impacting quarterly earnings. Investors should watch future quarters for how management controls claims costs and stabilizes investment gains to support earnings growth.

08/25/25 05:03 PMAI Generated. May Contain Errors.

Frequently Asked Questions About Unum Group's Financials

When does Unum Group's fiscal year end?

According to the most recent income statement we have on file, Unum Group's financial year ends in December. Their financial 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. Find out what analysts predict for Unum Group in the coming months.

How has Unum Group's 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 8/25/2025 by MarketBeat.com Staff
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