Unum Group (UNM) Financials

$81.34 +0.75 (+0.93%)

Closing price 03:59 PM Eastern

Extended Trading

$81.38 +0.04 (+0.04%)

As of 07:12 PM 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	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Net Income / (Loss) Attributable to Common Shareholders	1,779	1,284	1,407	981	793	1,100	523	994	931	867
Consolidated Net Income / (Loss)	1,779	1,284	1,407	981	793	1,100	523	994	931	867
Net Income / (Loss) Continuing Operations	1,779	1,284	1,407	981	793	1,100	523	994	931	867
Total Pre-Tax Income	2,251	1,640	1,750	1,261	964	1,382	628	1,404	1,348	1,238
Total Revenue	12,686	12,191	11,791	11,756	12,974	11,822	11,431	11,135	10,911	10,579
Net Interest Income / (Expense)	-201	-195	-193	-252	-188	-177	-167	-160	-166	-153
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	201	195	193	252	188	177	167	160	166	153
Long-Term Debt Interest Expense	201	195	193	252	188	177	167	160	166	153
Total Non-Interest Income	12,887	12,386	11,984	12,008	13,162	11,999	11,599	11,295	11,077	10,731
Other Service Charges	295	279	261	243	224	221	198	198	206	212
Net Realized & Unrealized Capital Gains on Investments	2,095	2,061	2,107	2,290	3,560	2,412	2,414	2,500	2,514	2,437
Premiums Earned	10,497	10,046	9,617	9,475	9,378	9,366	8,986	8,597	8,358	8,082
Total Non-Interest Expense	10,435	10,551	10,041	10,495	12,010	10,439	10,803	9,731	9,563	9,340
Salaries and Employee Benefits	2,425	2,333	2,176	2,013	2,011	2,021	1,994	1,913	1,866	1,831
Property & Liability Insurance Claims	7,480	7,312	7,542	8,113	8,973	7,496	8,020	7,056	6,942	6,783
Amortization of Deferred Policy Acquisition Costs	-652	-632	-557	-523	-	-	-	-	-	-
Current and Future Benefits	-562	-55	-548	-560	-	-	-	-	-	-
Other Operating Expenses	1,223	1,112	1,007	999	997	971	891	855	825	813
Amortization Expense	521	481	421	452	606	610	566	527	493	482
Income Tax Expense	472	356	343	280	171	282	104	410	416	371
Basic Earnings per Share	$9.49	$6.53	$7.01	$4.80	$3.89	$5.25	$2.38	$4.39	$3.96	$3.51
Weighted Average Basic Shares Outstanding	176.78M	191.52M	197.29M	202.56M	203.73M	202.97M	219.64M	226.49M	235.45M	246.99M
Diluted Earnings per Share	$9.46	$6.50	$6.96	$4.79	$3.89	$5.24	$2.38	$4.37	$3.95	$3.50
Weighted Average Diluted Shares Outstanding	176.78M	191.52M	197.29M	202.56M	203.73M	202.97M	219.64M	226.49M	235.45M	246.99M
Weighted Average Basic & Diluted Shares Outstanding	176.78M	191.52M	197.29M	202.56M	203.73M	202.97M	219.64M	226.49M	235.45M	246.99M
Cash Dividends to Common per Share	$1.57	$1.39	$1.26	$1.17	$1.14	$1.09	$0.98	$0.86	-	-

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

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

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

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

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

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

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

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

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

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. Check out Unum Group's forecast to explore projected trends and price targets.

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 5/29/2025 by MarketBeat.com Staff

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Unum Group (UNM) Financials

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