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Unum Group (UNM) Financials

Unum Group logo
$86.13 +0.02 (+0.02%)
Closing price 07/31/2026 03:59 PM Eastern
Extended Trading
$86.15 +0.02 (+0.03%)
As of 07/31/2026 07:34 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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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 2025
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 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 867 931 994 523 1,100 793 981 1,407 1,284 1,779 739
Consolidated Net Income / (Loss)		 867 931 994 523 1,100 793 981 1,407 1,284 1,779 739
Net Income / (Loss) Continuing Operations		 867 931 994 523 1,100 793 981 1,407 1,284 1,779 739
Total Pre-Tax Income 		1,238 1,348 1,404 628 1,382 964 1,261 1,750 1,640 2,251 934
Total Revenue		 10,579 10,911 11,135 11,431 11,822 12,974 11,756 11,791 12,191 12,686 12,867
Net Interest Income / (Expense)		 -153 -166 -160 -167 -177 -188 -252 -193 -195 -201 -209
Total Interest Income		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Interest Expense		 153 166 160 167 177 188 252 193 195 201 209
Long-Term Debt Interest Expense		 153 166 160 167 177 188 252 193 195 201 209
Total Non-Interest Income		 10,731 11,077 11,295 11,599 11,999 13,162 12,008 11,984 12,386 12,887 13,076
Other Service Charges		 212 206 198 198 221 224 243 261 279 295 318
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 1,926
Premiums Earned		 8,082 8,358 8,597 8,986 9,366 9,378 9,475 9,617 10,046 10,497 10,831
Total Non-Interest Expense		 9,340 9,563 9,731 10,803 10,439 12,010 10,495 10,041 10,551 10,435 11,933
Salaries and Employee Benefits		 1,831 1,866 1,913 1,994 2,021 2,011 2,013 2,176 2,333 2,425 2,539
Property & Liability Insurance Claims		 6,783 6,942 7,056 8,020 7,496 8,973 8,113 7,542 7,312 7,480 7,626
Amortization of Deferred Policy Acquisition Costs		 - - - - - - -523 -557 -632 -652 -697
Current and Future Benefits		 - - - - - - -560 -548 -55 -562 439
Other Operating Expenses		 813 825 855 891 971 997 999 1,007 1,112 1,223 1,499
Amortization Expense		 482 493 527 566 610 606 452 421 481 521 527
Income Tax Expense		 371 416 410 104 282 171 280 343 356 472 195
Basic Earnings per Share		 $3.51 $3.96 $4.39 $2.38 $5.25 $3.89 $4.80 $7.01 $6.53 $9.49 $4.28
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 163.75M
Diluted Earnings per Share		 $3.50 $3.95 $4.37 $2.38 $5.24 $3.89 $4.79 $6.96 $6.50 $9.46 $4.27
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 163.75M
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 163.75M
Cash Dividends to Common per Share		 - - $0.86 $0.98 $1.09 $1.14 $1.17 $1.26 $1.39 $1.57 $1.76

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 331 395 390 646 349 189 336 40 174 232 257
Consolidated Net Income / (Loss)		 331 395 390 646 349 189 336 40 174 232 257
Net Income / (Loss) Continuing Operations		 331 395 390 646 349 189 336 40 174 232 257
Total Pre-Tax Income 		429 496 496 815 446 244 417 55 218 303 330
Total Revenue		 3,096 3,151 3,184 3,168 3,184 3,040 3,309 3,326 3,192 3,302 3,317
Net Interest Income / (Expense)		 -49 -50 -50 -49 -53 -52 -52 -52 -53 -53 -53
Total Interest Income		 - 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00 0.00
Total Interest Expense		 49 50 50 49 53 52 52 52 53 53 53
Long-Term Debt Interest Expense		 49 50 50 49 53 52 52 52 53 53 53
Total Non-Interest Income		 3,145 3,200 3,233 3,217 3,237 3,092 3,361 3,378 3,244 3,355 3,370
Other Service Charges		 69 78 72 73 72 82 70 86 80 83 79
Net Realized & Unrealized Capital Gains on Investments		 525 512 535 515 534 306 543 605 472 478 473
Premiums Earned		 2,552 2,610 2,627 2,629 2,631 2,703 2,748 2,688 2,692 2,794 2,818
Total Non-Interest Expense		 2,667 2,655 2,688 2,353 2,739 2,796 2,892 3,272 2,973 2,999 2,987
Salaries and Employee Benefits		 596 619 615 609 581 654 636 628 622 694 671
Property & Liability Insurance Claims		 1,813 1,893 1,867 1,865 1,856 1,960 1,945 1,849 1,872 1,956 1,991
Amortization of Deferred Policy Acquisition Costs		 - -167 -165 -163 - -173 -175 - - -191 -187
Current and Future Benefits		 6.80 -108 -57 -403 5.20 -89 31 476 21 48 10
Other Operating Expenses		 293 291 301 312 319 319 324 360 497 358 367
Amortization Expense		 123 126 128 134 133 125 132 132 137 134 135
Income Tax Expense		 98 101 106 169 97 55 81 15 44 71 73
Basic Earnings per Share		 $1.70 $2.05 $2.05 $3.46 $1.93 $1.06 $1.93 $0.23 $1.06 $1.41 $1.61
Weighted Average Basic Shares Outstanding		 191.52M 189.38M 185.77M 182.61M 176.78M 174.36M 170.31M 167.33M 163.75M 159.78M 158.31M
Diluted Earnings per Share		 $1.70 $2.04 $2.05 $3.46 $1.91 $1.06 $1.92 $0.23 $1.06 $1.41 $1.61
Weighted Average Diluted Shares Outstanding		 191.52M 189.38M 185.77M 182.61M 176.78M 174.36M 170.31M 167.33M 163.75M 159.78M 158.31M
Weighted Average Basic & Diluted Shares Outstanding		 191.52M 189.38M 185.77M 182.61M 176.78M 174.36M 170.31M 167.33M 163.75M 159.78M 158.31M

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 2025
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 12/31/2025
Net Change in Cash & Equivalents		 10 -13 -23 17 -9.90 113 -122 44 27 17 -4.60
Net Cash From Operating Activities		 1,292 1,122 1,164 1,537 1,607 469 1,388 1,419 1,203 1,513 688
Net Cash From Continuing Operating Activities		 1,467 1,320 1,366 1,742 1,704 410 1,388 1,419 1,203 1,513 688
Net Income / (Loss) Continuing Operations		 867 931 994 523 1,100 793 981 1,407 1,284 1,779 739
Consolidated Net Income / (Loss)		 867 931 994 523 1,100 793 981 1,407 1,284 1,779 739
Depreciation Expense		 100 102 103 101 110 114 120 111 109 116 123
Amortization Expense		 - - - - 0.00 2.60 70 50 44 41 108
Non-Cash Adjustments to Reconcile Net Income		 83 14 -13 86 105 -2,203 -61 33 27 48 225
Changes in Operating Assets and Liabilities, net		 417 273 79 826 292 1,763 278 -182 -261 -471 -507
Net Cash From Investing Activities		 -713 -716 -499 -930 -1,394 -268 -1,341 -956 -726 -344 549
Net Cash From Continuing Investing Activities		 -713 -716 -499 -930 -1,394 -268 -1,341 -956 -726 -344 549
Purchase of Property, Leasehold Improvements and Equipment		 -100 -85 -105 -144 -151 -119 -110 -102 -135 -126 -132
Purchase of Investment Securities		 -4,257 -4,071 -3,649 -4,898 -4,963 -3,429 -4,637 -3,341 -3,494 -2,911 -2,780
Sale and/or Maturity of Investments		 3,644 3,441 3,255 4,112 3,720 3,280 3,406 2,487 2,903 2,692 3,461
Net Cash From Financing Activities		 -569 -419 -688 -590 -223 -89 -169 -419 -450 -1,152 -1,241
Net Cash From Continuing Financing Activities		 -569 -419 -688 -590 -223 -89 -169 -419 -450 -1,152 -1,241
Issuance of Debt		 271 609 0.00 291 842 494 588 349 0.00 392 296
Issuance of Common Equity		 6.40 8.50 11 4.60 6.10 4.40 3.40 4.00 5.20 6.00 5.10
Repayment of Debt		 -226 -414 -64 -260 -519 -480 -563 -368 -2.00 -350 -275
Repurchase of Common Equity		 -418 -405 -402 -356 -400 0.00 -50 -200 -250 -973 -1,010
Payment of Dividends		 -174 -183 -196 -216 -229 -232 -239 -254 -277 -297 -306
Other Financing Activities, Net		 -28 -34 -37 -53 78 125 92 50 74 70 49

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Change in Cash & Equivalents		 -20 133 -146 31 -0.60 75 957 -867 -170 34 6.60
Net Cash From Operating Activities		 344 298 339 390 486 354 348 -372 358 341 504
Net Cash From Continuing Operating Activities		 344 298 339 390 486 354 348 -372 358 341 504
Net Income / (Loss) Continuing Operations		 331 395 390 646 349 189 336 40 174 232 257
Consolidated Net Income / (Loss)		 331 395 390 646 349 189 336 40 174 232 257
Depreciation Expense		 28 30 29 31 26 30 30 32 31 32 51
Amortization Expense		 11 10 10 10 10 9.60 9.70 44 44 46 46
Non-Cash Adjustments to Reconcile Net Income		 -28 26 30 -44 35 198 7.10 -92 112 12 66
Changes in Operating Assets and Liabilities, net		 1.50 -164 -120 -252 65 -73 -35 -395 -3.90 19 85
Net Cash From Investing Activities		 -227 18 -291 -120 49 -12 973 -189 -223 83 -499
Net Cash From Continuing Investing Activities		 -227 18 -291 -120 49 -12 973 -189 -223 83 -499
Purchase of Property, Leasehold Improvements and Equipment		 -46 -28 -28 -38 -32 -36 -28 -31 -38 -40 -29
Purchase of Investment Securities		 -782 -609 -538 -597 -1,393 -831 -340 -944 -1,057 -1,632 -1,470
Sale and/or Maturity of Investments		 600 655 275 515 1,474 854 1,340 785 872 1,754 999
Net Cash From Financing Activities		 -136 -183 -194 -240 -535 -267 -364 -306 -305 -389 2.50
Net Cash From Continuing Financing Activities		 -136 -183 -194 -240 -535 -267 -364 -306 -305 -389 2.50
Issuance of Common Equity		 1.10 1.30 2.10 1.40 1.20 1.40 1.40 1.50 0.80 1.60 1.40
Repurchase of Common Equity		 -76 -122 -178 -200 -473 -201 -300 -251 -259 -399 -210
Payment of Dividends		 -71 -73 -69 -78 -77 -77 -73 -78 -77 -78 -74
Other Financing Activities, Net		 12 10 9.00 37 14 9.60 8.70 22 8.90 94 285

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 2025
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 12/31/2025
Total Assets		 60,564 61,942 64,013 61,876 67,013 70,626 70,116 61,149 63,255 61,959 63,519
Cash and Due from Banks		 113 100 77 94 84 197 75 119 146 163 158
Trading Account Securities		 43,937 44,849 46,105 43,715 48,288 45,098 44,539 36,281 38,413 37,324 34,727
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 0.00
Accrued Investment Income		 703 693 690 691 693 611 603 615 634 650 596
Premises and Equipment, Net		 524 501 505 547 534 498 463 452 485 488 504
Mortgage Servicing Rights		 1,884 2,039 2,213 2,295 2,397 2,432 2,560 2,435 2,318 2,225 2,110
Unearned Premiums Asset		 1,598 1,611 1,666 1,616 1,603 1,519 1,520 1,482 1,544 1,459 1,430
Deferred Acquisition Cost		 2,009 2,094 2,185 2,309 2,324 2,273 2,208 2,560 2,715 2,843 2,920
Goodwill		 231 335 339 350 352 353 352 348 350 349 354
Other Assets		 9,565 9,719 10,234 10,259 10,739 17,645 17,796 16,857 16,650 16,459 20,721
Total Liabilities & Shareholders' Equity		 60,564 61,942 64,013 61,876 67,013 70,626 70,116 61,149 63,255 61,959 63,519
Total Liabilities		 51,900 52,974 54,438 53,254 57,048 59,755 58,699 52,414 53,604 50,998 52,400
Long-Term Debt		 2,449 2,999 2,738 2,971 2,927 3,346 3,442 3,428 3,430 3,465 3,768
Future Policy Benefits		 43,541 44,246 45,602 44,842 47,780 49,653 48,008 38,577 40,009 36,806 38,017
Unearned Premiums Liability		 384 364 373 363 364 349 348 366 380 384 413
Participating Policy Holder Equity		 1,675 1,624 1,595 1,595 1,600 1,664 1,791 7,491 7,283 7,160 7,116
Other Long-Term Liabilities		 2,014 2,233 2,325 3,483 2,233 2,888 3,203 2,551 2,500 2,908 3,087
Commitments & Contingencies		 0.00 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 11,119
Total Preferred & Common Equity		 8,664 8,968 9,575 8,622 9,965 10,871 11,416 8,735 9,651 10,961 11,119
Total Common Equity		 8,664 8,968 9,575 8,622 9,965 10,871 11,416 8,735 9,651 10,961 11,119
Common Stock		 2,278 2,303 2,334 2,352 2,379 2,407 2,439 2,472 1,567 1,509 1,613
Retained Earnings		 7,995 8,744 9,542 9,863 10,729 11,270 11,853 13,141 11,432 12,914 13,345
Treasury Stock		 -1,625 -2,028 -2,429 -2,779 -3,180 -3,180 -3,230 -3,430 -39 -938 -2,030
Accumulated Other Comprehensive Income / (Loss)		 16 -51 128 -814 37 374 354 -3,448 -3,308 -2,524 -1,809

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 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026
Total Assets		 62,424 61,904 59,955 62,488 62,044 64,141 62,460 62,844 63,678 62,714 63,485
Cash and Due from Banks		 123 108 166 279 133 163 238 1,195 328 193 199
Trading Account Securities		 37,640 36,877 35,578 37,868 37,599 39,466 37,441 37,626 34,872 34,966 36,072
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 0.00
Accrued Investment Income		 636 715 705 661 714 787 623 703 736 582 681
Premises and Equipment, Net		 456 460 463 484 483 495 496 499 497 509 506
Mortgage Servicing Rights		 2,390 2,373 2,322 2,299 2,261 2,239 2,188 2,173 2,130 2,066 2,072
Unearned Premiums Asset		 1,557 1,606 1,508 1,594 1,579 1,496 1,557 1,583 1,462 1,614 1,630
Deferred Acquisition Cost		 2,602 2,647 2,669 2,755 2,792 2,824 2,893 2,940 2,880 2,974 3,025
Goodwill		 348 350 348 350 350 352 351 353 354 353 353
Other Assets		 16,671 16,769 16,197 16,199 16,135 16,319 16,673 15,772 20,419 19,457 18,946
Total Liabilities & Shareholders' Equity		 62,424 61,904 59,955 62,488 62,044 64,141 62,460 62,844 63,678 62,714 63,485
Total Liabilities		 53,176 52,659 50,336 52,268 51,580 53,189 51,246 51,524 52,769 51,822 52,676
Long-Term Debt		 3,429 3,429 3,430 3,431 3,470 3,470 3,467 3,469 3,471 3,762 3,764
Future Policy Benefits		 39,352 38,945 36,502 38,625 37,899 39,445 37,031 37,183 38,301 37,301 37,611
Unearned Premiums Liability		 452 495 447 470 503 475 476 538 492 509 572
Participating Policy Holder Equity		 7,437 7,394 7,376 7,221 7,228 7,169 7,144 7,146 7,145 7,209 7,450
Other Long-Term Liabilities		 2,506 2,394 2,579 2,521 2,480 2,631 2,854 2,912 3,086 3,042 3,279
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 9,247 9,246 9,618 10,220 10,465 10,951 11,214 11,320 10,909 10,892 10,810
Total Preferred & Common Equity		 9,247 9,246 9,618 10,220 10,465 10,951 11,214 11,320 10,909 10,892 10,810
Total Common Equity		 9,247 9,246 9,618 10,220 10,465 10,951 11,214 11,320 10,909 10,892 10,810
Common Stock		 2,463 2,476 2,485 1,568 1,578 1,583 1,588 1,598 1,605 1,622 1,632
Retained Earnings		 13,430 13,758 13,889 11,754 12,075 12,642 13,026 13,287 13,249 13,499 13,682
Treasury Stock		 -3,483 -3,530 -3,605 -162 -342 -544 -1,221 -1,525 -1,778 -2,433 -2,635
Accumulated Other Comprehensive Income / (Loss)		 -3,162 -3,458 -3,151 -2,940 -2,846 -2,730 -2,179 -2,041 -2,167 -1,796 -1,870

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 2025
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 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
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 $4.28
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 163.75M
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 $4.27
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 163.75M
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		 238.86M 229.23M 221.26M 214.63M 202.97M 203.73M 202.56M 197.29M 191.52M 176.78M 163.75M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for Unum Group

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

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
DEI Shares Outstanding		 - - - - - - - - - 163,753,818.00 159,776,235.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 163,753,818.00 159,776,235.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 1.42 1.61
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 4.68% 5.45% 3.92% 4.07% 2.85% -3.53% 3.95% 5.00% - 8.64% 0.22%
EBITDA Growth		 13.41% 9.63% -0.07% 184.35% 3.08% -47.18% -14.60% -84.79% - 34.25% -6.78%
EBIT Growth		 14.78% 9.84% -0.58% 211.27% 3.92% -50.86% -15.84% -93.31% - 24.26% -20.98%
NOPAT Growth		 14.32% 10.30% -0.87% 219.65% 5.47% -52.15% -13.84% -93.85% - 22.69% -23.45%
Net Income Growth		 14.32% 10.30% -0.87% 219.65% 5.47% -52.15% -13.84% -93.85% - 22.69% -23.45%
EPS Growth		 18.06% 13.33% 3.54% 239.22% 12.35% -48.04% -6.34% -93.35% - 33.02% -16.15%
Operating Cash Flow Growth		 -3.75% 98.07% 8.13% -1.29% 41.43% 18.54% 2.62% -195.33% - -3.62% 44.68%
Free Cash Flow Firm Growth		 -119.66% 89.37% 80.69% 83.66% -116.64% -93.28% 8.64% 73.42% - 147.78% 194.21%
Invested Capital Growth		 7.54% 7.67% 9.92% 10.51% 12.38% 9.56% 8.10% 1.61% - -2.01% -3.26%
Revenue Q/Q Growth		 1.71% 1.77% 1.04% -0.49% 0.51% -4.54% 8.88% 0.51% - 3.47% 0.44%
EBITDA Q/Q Growth		 55.40% 14.67% -0.22% 59.93% -43.67% -41.24% 61.33% -71.53% - 29.32% 12.02%
EBIT Q/Q Growth		 63.81% 15.63% -0.04% 64.40% -45.31% -45.32% 71.18% -86.93% - 38.60% 8.85%
NOPAT Q/Q Growth		 63.66% 19.54% -1.44% 65.78% -46.00% -45.77% 77.47% -88.17% - 33.26% 10.73%
Net Income Q/Q Growth		 63.66% 19.54% -1.44% 65.78% -46.00% -45.77% 77.47% -88.17% - 33.26% 10.73%
EPS Q/Q Growth		 66.67% 20.00% 0.49% 68.78% -44.80% -44.50% 81.13% -88.02% - 33.02% 14.18%
Operating Cash Flow Q/Q Growth		 -13.06% -13.16% 13.68% 15.01% 24.56% -27.21% -1.58% -206.84% - -4.78% 47.74%
Free Cash Flow Firm Q/Q Growth		 86.81% 1.53% -50.40% 16.37% -74.94% 12.15% 28.91% 75.67% - 4,657.27% 40.19%
Invested Capital Q/Q Growth		 0.24% 4.35% 2.08% 3.49% 1.94% 1.73% 0.72% -2.72% - -1.56% -0.55%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 15.10% 17.02% 16.81% 27.01% 15.14% 9.32% 13.81% 3.91% - 11.51% 12.84%
EBIT Margin		 13.85% 15.73% 15.56% 25.72% 13.99% 8.01% 12.60% 1.64% - 9.17% 9.93%
Profit (Net Income) Margin		 10.68% 12.54% 12.24% 20.38% 10.95% 6.22% 10.14% 1.19% - 7.03% 7.75%
Tax Burden Percent		 77.12% 79.73% 78.61% 79.27% 78.27% 77.63% 80.48% 72.84% - 76.64% 77.97%
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		 22.88% 20.27% 21.39% 20.73% 21.73% 22.37% 19.52% 27.16% - 23.36% 22.03%
Return on Invested Capital (ROIC)		 10.31% 11.77% 11.47% 18.69% 10.00% 5.47% 8.88% 1.06% - 6.23% 6.87%
ROIC Less NNEP Spread (ROIC-NNEP)		 10.31% 11.77% 11.47% 18.69% 10.00% 5.47% 8.88% 1.06% - 6.23% 6.87%
Return on Net Nonoperating Assets (RNNOA)		 3.85% 4.15% 4.02% 6.27% 3.48% 1.83% 2.94% 0.35% - 2.11% 2.33%
Return on Equity (ROE)		 14.16% 15.92% 15.49% 24.97% 13.48% 7.30% 11.82% 1.40% - 8.35% 9.20%
Cash Return on Invested Capital (CROIC)		 2.91% 2.64% 0.45% 2.83% 1.15% 1.87% 2.69% 4.68% - 7.31% 8.05%
Operating Return on Assets (OROA)		 2.71% 3.11% 3.13% 5.22% 2.84% 1.61% 2.56% 0.33% - 1.92% 2.07%
Return on Assets (ROA)		 2.09% 2.48% 2.46% 4.14% 2.22% 1.25% 2.06% 0.24% - 1.47% 1.61%
Return on Common Equity (ROCE)		 14.16% 15.92% 15.49% 24.97% 13.48% 7.30% 11.82% 1.40% - 8.35% 9.20%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 12.92% 12.59% 16.08% 0.00% 14.03% 13.42% 8.37% - 7.17% 6.50%
Net Operating Profit after Tax (NOPAT)		 331 395 390 646 349 189 336 40 - 232 257
NOPAT Margin		 10.68% 12.54% 12.24% 20.38% 10.95% 6.22% 10.14% 1.19% - 7.03% 7.75%
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		 19.24% 19.66% 19.32% 19.23% 18.25% 21.50% 19.20% 18.87% - 21.02% 20.24%
Operating Expenses to Revenue		 86.15% 84.27% 84.44% 74.29% 86.01% 91.99% 87.40% 98.36% - 90.83% 90.07%
Earnings before Interest and Taxes (EBIT)		 429 496 496 815 446 244 417 55 - 303 330
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 468 536 535 856 482 283 457 130 - 380 426
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.88 1.01 0.92 1.00 1.21 1.28 1.24 1.21 - 1.09 1.31
Price to Tangible Book Value (P/TBV)		 0.92 1.04 0.95 1.03 1.25 1.32 1.28 1.25 - 1.13 1.36
Price to Revenue (P/Rev)		 0.70 0.83 0.77 0.87 1.05 1.14 1.10 1.02 - 0.91 1.08
Price to Earnings (P/E)		 6.63 7.81 7.29 6.23 7.45 9.11 9.22 14.42 - 15.21 20.21
Dividend Yield		 3.18% 2.70% 2.88% 2.57% 2.16% 2.01% 2.09% 2.22% - 2.48% 2.07%
Earnings Yield		 15.07% 12.81% 13.72% 16.05% 13.42% 10.98% 10.85% 6.93% - 6.57% 4.95%
Enterprise Value to Invested Capital (EV/IC)		 0.90 0.99 0.93 0.99 1.15 1.19 1.10 1.13 - 1.05 1.22
Enterprise Value to Revenue (EV/Rev)		 0.97 1.09 1.04 1.13 1.33 1.42 1.30 1.29 - 1.18 1.35
Enterprise Value to EBITDA (EV/EBITDA)		 6.58 7.32 7.03 5.96 6.99 8.27 7.97 12.27 - 12.26 14.44
Enterprise Value to EBIT (EV/EBIT)		 7.20 7.99 7.70 6.39 7.48 8.92 8.62 14.29 - 15.57 19.63
Enterprise Value to NOPAT (EV/NOPAT)		 9.19 10.19 9.82 8.11 9.46 11.33 10.89 18.16 - 19.78 25.28
Enterprise Value to Operating Cash Flow (EV/OCF)		 9.81 9.97 9.40 10.41 11.13 11.37 10.49 20.33 - 22.90 21.39
Enterprise Value to Free Cash Flow (EV/FCFF)		 32.17 38.68 217.86 36.69 105.24 66.55 42.42 24.38 - 14.28 14.89
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.36 0.34 0.33 0.32 0.34 0.33 0.33 0.34 - 0.35 0.35
Long-Term Debt to Equity		 0.36 0.34 0.33 0.32 0.32 0.31 0.31 0.32 - 0.35 0.35
Financial Leverage		 0.37 0.35 0.35 0.34 0.35 0.33 0.33 0.33 - 0.34 0.34
Leverage Ratio		 6.77 6.42 6.29 6.03 6.07 5.83 5.73 5.85 - 5.66 5.71
Compound Leverage Factor		 6.77 6.42 6.29 6.03 6.07 5.83 5.73 5.85 - 5.66 5.71
Debt to Total Capital		 26.22% 25.13% 24.90% 24.06% 25.44% 25.02% 24.85% 25.56% - 25.67% 25.83%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 1.87% 1.84% 1.82% 1.88% - 0.00% 0.00%
Long-Term Debt to Total Capital		 26.22% 25.13% 24.90% 24.06% 23.57% 23.18% 23.03% 23.68% - 25.67% 25.83%
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		 73.78% 74.87% 75.10% 75.94% 74.56% 74.98% 75.15% 74.44% - 74.33% 74.17%
Debt to EBITDA		 1.91 1.86 1.89 1.45 1.55 1.74 1.80 2.77 - 2.98 3.06
Net Debt to EBITDA		 1.83 1.71 1.81 1.38 1.49 1.63 1.23 2.53 - 2.83 2.90
Long-Term Debt to EBITDA		 1.91 1.86 1.89 1.45 1.44 1.61 1.67 2.57 - 2.98 3.06
Debt to NOPAT		 2.67 2.60 2.63 1.97 2.10 2.38 2.46 4.10 - 4.81 5.36
Net Debt to NOPAT		 2.56 2.39 2.53 1.88 2.01 2.23 1.68 3.74 - 4.57 5.07
Long-Term Debt to NOPAT		 2.67 2.60 2.63 1.97 1.95 2.20 2.28 3.80 - 4.81 5.36
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)		 -586 -577 -868 -726 -1,270 -1,116 -793 -193 - 533 748
Operating Cash Flow to CapEx		 751.64% 1,054.06% 1,224.19% 1,034.48% 1,518.13% 987.71% 1,247.31% -1,207.14% - 860.61% 1,724.32%
Free Cash Flow to Firm to Interest Expense		 -11.92 -11.66 -17.40 -14.76 -24.20 -21.46 -15.26 -3.70 - 10.04 14.02
Operating Cash Flow to Interest Expense		 6.98 6.03 6.80 7.93 9.25 6.80 6.69 -7.12 - 6.42 9.45
Operating Cash Flow Less CapEx to Interest Expense		 6.05 5.45 6.24 7.16 8.64 6.11 6.16 -7.71 - 5.67 8.90
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.20 0.20 0.20 0.20 0.20 0.20 0.20 0.20 - 0.21 0.21
Fixed Asset Turnover		 26.02 26.28 26.45 26.29 26.08 25.66 25.85 25.93 - 26.11 26.14
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 13,082 13,651 13,935 14,422 14,701 14,956 15,064 14,655 - 14,654 14,573
Invested Capital Turnover		 0.97 0.94 0.94 0.92 0.91 0.88 0.88 0.88 - 0.89 0.89
Increase / (Decrease) in Invested Capital		 917 973 1,258 1,372 1,619 1,305 1,129 233 - -301 -491
Enterprise Value (EV)		 11,801 13,463 12,941 14,276 16,839 17,828 16,550 16,585 - 15,458 17,765
Market Capitalization		 8,517 10,311 9,603 10,969 13,262 14,324 14,001 13,167 - 11,888 14,201
Book Value per Share		 $49.48 $53.96 $55.26 $58.95 $60.02 $63.44 $64.92 $64.05 - $66.52 $67.65
Tangible Book Value per Share		 $47.69 $52.12 $53.41 $57.06 $58.11 $61.45 $62.90 $61.97 - $64.36 $65.44
Total Capital		 13,082 13,651 13,935 14,422 14,701 14,956 15,064 14,655 - 14,654 14,573
Total Debt		 3,430 3,431 3,470 3,470 3,740 3,742 3,744 3,746 - 3,762 3,764
Total Long-Term Debt		 3,430 3,431 3,470 3,470 3,465 3,467 3,469 3,471 - 3,762 3,764
Net Debt		 3,284 3,152 3,338 3,307 3,577 3,504 2,549 3,418 - 3,569 3,565
Capital Expenditures (CapEx)		 46 28 28 38 32 36 28 31 - 40 29
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)		 3,430 3,431 3,470 3,470 3,740 3,742 3,744 3,746 - 3,762 3,764
Total Depreciation and Amortization (D&A)		 39 41 40 41 37 40 40 76 - 78 96
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.70 $2.05 $2.05 $3.46 $1.93 $1.06 $1.93 $0.23 $1.06 $1.41 $1.61
Adjusted Weighted Average Basic Shares Outstanding		 191.52M 189.38M 185.77M 182.61M 176.78M 174.36M 170.31M 167.33M 163.75M 159.78M 158.31M
Adjusted Diluted Earnings per Share		 $1.70 $2.04 $2.05 $3.46 $1.91 $1.06 $1.92 $0.23 $1.06 $1.41 $1.61
Adjusted Weighted Average Diluted Shares Outstanding		 191.52M 189.38M 185.77M 182.61M 176.78M 174.36M 170.31M 167.33M 163.75M 159.78M 158.31M
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		 191.52M 189.38M 185.77M 182.61M 176.78M 174.36M 170.31M 167.33M 163.75M 159.78M 158.31M
Normalized Net Operating Profit after Tax (NOPAT)		 331 395 390 646 349 189 336 40 - 232 257
Normalized NOPAT Margin		 10.68% 12.54% 12.24% 20.38% 10.95% 6.22% 10.14% 1.19% - 7.03% 7.75%
Pre Tax Income Margin		 13.85% 15.73% 15.56% 25.72% 13.99% 8.01% 12.60% 1.64% - 9.17% 9.93%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 8.71 10.01 9.93 16.56 8.49 4.68 8.02 1.04 - 5.70 6.18
NOPAT to Interest Expense		 6.72 7.98 7.81 13.12 6.64 3.64 6.45 0.76 - 4.37 4.82
EBIT Less CapEx to Interest Expense		 7.78 9.44 9.37 15.79 7.88 4.00 7.48 0.45 - 4.95 5.63
NOPAT Less CapEx to Interest Expense		 5.79 7.41 7.25 12.36 6.03 2.95 5.92 0.17 - 3.62 4.27
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 21.58% 21.23% 21.58% 16.51% 16.67% 19.14% 20.11% 33.52% - 39.33% 43.76%
Augmented Payout Ratio		 41.07% 45.52% 55.86% 49.21% 71.35% 85.99% 97.38% 167.65% - 194.00% 202.87%

Financials Breakdown Chart

Key Financial Trends

Unum Group’s latest quarter shows a solid profitability profile, but with some signs of pressure in cash generation and balance sheet mix. In Q1 2026, the company produced $232 million of net income and $340.8 million of operating cash flow, while ending with $10.9 billion of common equity. Over the last several years, Unum has generally remained consistently profitable, but quarterly earnings and cash flow have been volatile because investment gains play a large role in results.

  • Profitability remains positive. Q1 2026 net income was $232 million, and the company has stayed profitable across the full 2023-2026 period in the data provided.
  • Operating cash flow remains healthy. Q1 2026 operating cash flow reached $340.8 million, up from $357.9 million in Q4 2025 and above several earlier quarters.
  • Premiums earned continue to grow over time. Premiums earned rose from about $2.46 billion in Q1 2023 to $2.79 billion in Q1 2026, indicating steady underlying business expansion.
  • Shareholder equity has risen meaningfully from 2023 levels. Common equity was $9.25 billion in Q1 2023 and stood at $10.89 billion in Q1 2026, suggesting retained earnings have supported book value growth.
  • Debt levels remain manageable relative to assets. Long-term debt in Q1 2026 was $3.76 billion versus $62.7 billion in total assets, which appears modest for a financial-services insurer.
  • Investment gains are a major earnings driver. Net realized and unrealized capital gains were $478.4 million in Q1 2026, which helped revenue, but this also means earnings are partly dependent on market conditions.
  • Revenue is sizable, but not all of it is recurring in nature. Q1 2026 total revenue was $3.30 billion, yet a large portion came from investment-related gains rather than pure underwriting or fee income.
  • Dividends remain consistent. Cash dividends per share were $0.46 in Q1 2026, showing ongoing shareholder returns.
  • Financing cash flow was negative in the latest quarter. Q1 2026 financing activities used $389.1 million of cash, largely due to $398.8 million of share repurchases and $78.2 million of dividends.
  • Quarterly earnings can swing sharply. Pre-tax income fell from $445.5 million in Q4 2024 to just $54.5 million in Q3 2025 before recovering, showing earnings volatility tied to investment and claims trends.

Trend summary: Unum looks like a company with stable core insurance economics and decent cash generation, but its quarterly results can vary widely because investment gains and claims experience have a big impact on earnings. For retail investors, the main positives are recurring premiums, consistent profitability, and a strong equity base. The main caution is that headline earnings are not fully stable from quarter to quarter, so investors should watch underwriting results and cash flow quality rather than net income alone.

08/03/26 02:10 AM ETAI Generated. May Contain Errors.

Unum Group Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Unum Group's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Unum Group's net income appears to be on an upward trend, with a most recent value of $738.50 million in 2025, falling from $867.10 million in 2015. The previous period was $1.78 billion in 2024. Check out Unum Group's forecast to explore projected trends and price targets.

Over the last 10 years, Unum Group's total revenue changed from $10.58 billion in 2015 to $12.87 billion in 2025, a change of 21.6%.

Unum Group's total liabilities were at $52.40 billion at the end of 2025, a 2.7% increase from 2024, and a 1.0% increase since 2015.

In the past 10 years, Unum Group's cash and equivalents has ranged from $75 million in 2021 to $197 million in 2020, and is currently $158.20 million as of their latest financial filing in 2025.


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Financial statements for NYSE:UNM last updated on 7/29/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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