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Unum Group (UNM) Financials

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$81.15 +0.72 (+0.90%)
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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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 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
Net Income / (Loss) Attributable to Common Shareholders		 202 331 395 390 646 349 189 336 40 174 232
Consolidated Net Income / (Loss)		 202 331 395 390 646 349 189 336 40 174 232
Net Income / (Loss) Continuing Operations		 202 331 395 390 646 349 189 336 40 174 232
Total Pre-Tax Income 		262 429 496 496 815 446 244 417 55 218 303
Total Revenue		 3,044 3,096 3,151 3,184 3,168 3,184 3,040 3,309 3,326 3,192 3,302
Net Interest Income / (Expense)		 -49 -49 -50 -50 -49 -53 -52 -52 -52 -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 49 50 50 49 53 52 52 52 53 53
Long-Term Debt Interest Expense		 49 49 50 50 49 53 52 52 52 53 53
Total Non-Interest Income		 3,093 3,145 3,200 3,233 3,217 3,237 3,092 3,361 3,378 3,244 3,355
Other Service Charges		 72 69 78 72 73 72 82 70 86 80 83
Net Realized & Unrealized Capital Gains on Investments		 495 525 512 535 515 534 306 543 605 472 478
Premiums Earned		 2,526 2,552 2,610 2,627 2,629 2,631 2,703 2,748 2,688 2,692 2,794
Total Non-Interest Expense		 2,782 2,667 2,655 2,688 2,353 2,739 2,796 2,892 3,272 2,973 2,999
Salaries and Employee Benefits		 588 596 619 615 609 581 654 636 628 622 694
Property & Liability Insurance Claims		 1,779 1,813 1,893 1,867 1,865 1,856 1,960 1,945 1,849 1,872 1,956
Amortization of Deferred Policy Acquisition Costs		 - - -167 -165 -163 - -173 -175 - - -191
Current and Future Benefits		 168 6.80 -108 -57 -403 5.20 -89 31 476 21 48
Other Operating Expenses		 272 293 291 301 312 319 319 324 360 497 358
Amortization Expense		 129 123 126 128 134 133 125 132 132 137 134
Income Tax Expense		 60 98 101 106 169 97 55 81 15 44 71
Basic Earnings per Share		 $1.03 $1.70 $2.05 $2.05 $3.46 $1.93 $1.06 $1.93 $0.23 $1.06 $1.41
Weighted Average Basic Shares Outstanding		 195.05M 191.52M 189.38M 185.77M 182.61M 176.78M 174.36M 170.31M 167.33M 163.75M 159.78M
Diluted Earnings per Share		 $1.02 $1.70 $2.04 $2.05 $3.46 $1.91 $1.06 $1.92 $0.23 $1.06 $1.41
Weighted Average Diluted Shares Outstanding		 195.05M 191.52M 189.38M 185.77M 182.61M 176.78M 174.36M 170.31M 167.33M 163.75M 159.78M
Weighted Average Basic & Diluted Shares Outstanding		 195.05M 191.52M 189.38M 185.77M 182.61M 176.78M 174.36M 170.31M 167.33M 163.75M 159.78M
Cash Dividends to Common per Share		 $0.37 - $0.37 $0.37 $0.42 - $0.42 $0.42 $0.46 - $0.46

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 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
Net Change in Cash & Equivalents		 58 -20 133 -146 31 -0.60 75 957 -867 -170 34
Net Cash From Operating Activities		 395 344 298 339 390 486 354 348 -372 358 341
Net Cash From Continuing Operating Activities		 395 344 298 339 390 486 354 348 -372 358 341
Net Income / (Loss) Continuing Operations		 202 331 395 390 646 349 189 336 40 174 232
Consolidated Net Income / (Loss)		 202 331 395 390 646 349 189 336 40 174 232
Depreciation Expense		 28 28 30 29 31 26 30 30 32 31 32
Amortization Expense		 11 11 10 10 10 10 9.60 9.70 44 44 46
Non-Cash Adjustments to Reconcile Net Income		 34 -28 26 30 -44 35 198 7.10 -92 112 12
Changes in Operating Assets and Liabilities, net		 120 1.50 -164 -120 -252 65 -73 -35 -395 -3.90 19
Net Cash From Investing Activities		 -225 -227 18 -291 -120 49 -12 973 -189 -223 83
Net Cash From Continuing Investing Activities		 -225 -227 18 -291 -120 49 -12 973 -189 -223 83
Purchase of Property, Leasehold Improvements and Equipment		 -33 -46 -28 -28 -38 -32 -36 -28 -31 -38 -40
Purchase of Investment Securities		 -1,217 -782 -609 -538 -597 -1,393 -831 -340 -944 -1,057 -1,632
Sale and/or Maturity of Investments		 1,024 600 655 275 515 1,474 854 1,340 785 872 1,754
Net Cash From Financing Activities		 -112 -136 -183 -194 -240 -535 -267 -364 -306 -305 -389
Net Cash From Continuing Financing Activities		 -112 -136 -183 -194 -240 -535 -267 -364 -306 -305 -389
Issuance of Common Equity		 1.40 1.10 1.30 2.10 1.40 1.20 1.40 1.40 1.50 0.80 1.60
Repayment of Debt		 - -2.00 - - - - 0.00 - - -275 -7.20
Repurchase of Common Equity		 -76 -76 -122 -178 -200 -473 -201 -300 -251 -259 -399
Payment of Dividends		 -71 -71 -73 -69 -78 -77 -77 -73 -78 -77 -78
Other Financing Activities, Net		 34 12 10 9.00 37 14 9.60 8.70 22 8.90 94

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 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
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 6/30/2025 9/30/2025 3/31/2026
Total Assets		 60,378 62,424 61,904 59,955 62,488 62,044 64,141 62,460 62,844 63,678 62,714
Cash and Due from Banks		 0.00 123 108 166 279 133 163 238 1,195 328 193
Trading Account Securities		 0.00 37,640 36,877 35,578 37,868 37,599 39,466 37,441 37,626 34,872 34,966
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		 0.00 636 715 705 661 714 787 623 703 736 582
Premises and Equipment, Net		 0.00 456 460 463 484 483 495 496 499 497 509
Mortgage Servicing Rights		 0.00 2,390 2,373 2,322 2,299 2,261 2,239 2,188 2,173 2,130 2,066
Unearned Premiums Asset		 0.00 1,557 1,606 1,508 1,594 1,579 1,496 1,557 1,583 1,462 1,614
Deferred Acquisition Cost		 2,527 2,602 2,647 2,669 2,755 2,792 2,824 2,893 2,940 2,880 2,974
Goodwill		 0.00 348 350 348 350 350 352 351 353 354 353
Other Assets		 11,850 16,671 16,769 16,197 16,199 16,135 16,319 16,673 15,772 20,419 19,457
Total Liabilities & Shareholders' Equity		 0.00 62,424 61,904 59,955 62,488 62,044 64,141 62,460 62,844 63,678 62,714
Total Liabilities		 51,975 53,176 52,659 50,336 52,268 51,580 53,189 51,246 51,524 52,769 51,822
Long-Term Debt		 0.00 3,429 3,429 3,430 3,431 3,470 3,470 3,467 3,469 3,471 3,762
Future Policy Benefits		 37,808 39,352 38,945 36,502 38,625 37,899 39,445 37,031 37,183 38,301 37,301
Unearned Premiums Liability		 407 452 495 447 470 503 475 476 538 492 509
Participating Policy Holder Equity		 5,813 7,437 7,394 7,376 7,221 7,228 7,169 7,144 7,146 7,145 7,209
Other Long-Term Liabilities		 21 2,506 2,394 2,579 2,521 2,480 2,631 2,854 2,912 3,086 3,042
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		 9,307 9,247 9,246 9,618 10,220 10,465 10,951 11,214 11,320 10,909 10,892
Total Preferred & Common Equity		 8,403 9,247 9,246 9,618 10,220 10,465 10,951 11,214 11,320 10,909 10,892
Total Common Equity		 9,307 9,247 9,246 9,618 10,220 10,465 10,951 11,214 11,320 10,909 10,892
Common Stock		 0.00 2,463 2,476 2,485 1,568 1,578 1,583 1,588 1,598 1,605 1,622
Retained Earnings		 12,918 13,430 13,758 13,889 11,754 12,075 12,642 13,026 13,287 13,249 13,499
Treasury Stock		 0.00 -3,483 -3,530 -3,605 -162 -342 -544 -1,221 -1,525 -1,778 -2,433
Accumulated Other Comprehensive Income / (Loss)		 -3,611 -3,162 -3,458 -3,151 -2,940 -2,846 -2,730 -2,179 -2,041 -2,167 -1,796

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 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
DEI Shares Outstanding		 - - - - - - - - - - 163,753,818.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 163,753,818.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 1.42
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 4.68% 4.68% 5.45% 3.92% 4.07% 2.85% -3.53% 3.95% 5.00% - 8.64%
EBITDA Growth		 -55.76% 13.41% 9.63% -0.07% 184.35% 3.08% -47.18% -14.60% -84.79% - 34.25%
EBIT Growth		 -59.21% 14.78% 9.84% -0.58% 211.27% 3.92% -50.86% -15.84% -93.31% - 24.26%
NOPAT Growth		 -60.42% 14.32% 10.30% -0.87% 219.65% 5.47% -52.15% -13.84% -93.85% - 22.69%
Net Income Growth		 -60.42% 14.32% 10.30% -0.87% 219.65% 5.47% -52.15% -13.84% -93.85% - 22.69%
EPS Growth		 -59.68% 18.06% 13.33% 3.54% 239.22% 12.35% -48.04% -6.34% -93.35% - 33.02%
Operating Cash Flow Growth		 42.53% -3.75% 98.07% 8.13% -1.29% 41.43% 18.54% 2.62% -195.33% - -3.62%
Free Cash Flow Firm Growth		 -166.67% -119.66% 89.37% 80.69% 83.66% -116.64% -93.28% 8.64% 73.42% - 147.78%
Invested Capital Growth		 55.30% 7.54% 7.67% 9.92% 10.51% 12.38% 9.56% 8.10% 1.61% - -2.01%
Revenue Q/Q Growth		 -0.63% 1.71% 1.77% 1.04% -0.49% 0.51% -4.54% 8.88% 0.51% - 3.47%
EBITDA Q/Q Growth		 -43.80% 55.40% 14.67% -0.22% 59.93% -43.67% -41.24% 61.33% -71.53% - 29.32%
EBIT Q/Q Growth		 -47.49% 63.81% 15.63% -0.04% 64.40% -45.31% -45.32% 71.18% -86.93% - 38.60%
NOPAT Q/Q Growth		 -48.59% 63.66% 19.54% -1.44% 65.78% -46.00% -45.77% 77.47% -88.17% - 33.26%
Net Income Q/Q Growth		 -48.59% 63.66% 19.54% -1.44% 65.78% -46.00% -45.77% 77.47% -88.17% - 33.26%
EPS Q/Q Growth		 -48.48% 66.67% 20.00% 0.49% 68.78% -44.80% -44.50% 81.13% -88.02% - 33.02%
Operating Cash Flow Q/Q Growth		 25.99% -13.06% -13.16% 13.68% 15.01% 24.56% -27.21% -1.58% -206.84% - -4.78%
Free Cash Flow Firm Q/Q Growth		 1.14% 86.81% 1.53% -50.40% 16.37% -74.94% 12.15% 28.91% 75.67% - 4,657.27%
Invested Capital Q/Q Growth		 2.94% 0.24% 4.35% 2.08% 3.49% 1.94% 1.73% 0.72% -2.72% - -1.56%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 9.89% 15.10% 17.02% 16.81% 27.01% 15.14% 9.32% 13.81% 3.91% - 11.51%
EBIT Margin		 8.60% 13.85% 15.73% 15.56% 25.72% 13.99% 8.01% 12.60% 1.64% - 9.17%
Profit (Net Income) Margin		 6.64% 10.68% 12.54% 12.24% 20.38% 10.95% 6.22% 10.14% 1.19% - 7.03%
Tax Burden Percent		 77.19% 77.12% 79.73% 78.61% 79.27% 78.27% 77.63% 80.48% 72.84% - 76.64%
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		 22.81% 22.88% 20.27% 21.39% 20.73% 21.73% 22.37% 19.52% 27.16% - 23.36%
Return on Invested Capital (ROIC)		 7.46% 10.31% 11.77% 11.47% 18.69% 10.00% 5.47% 8.88% 1.06% - 6.23%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.46% 10.31% 11.77% 11.47% 18.69% 10.00% 5.47% 8.88% 1.06% - 6.23%
Return on Net Nonoperating Assets (RNNOA)		 1.00% 3.85% 4.15% 4.02% 6.27% 3.48% 1.83% 2.94% 0.35% - 2.11%
Return on Equity (ROE)		 8.46% 14.16% 15.92% 15.49% 24.97% 13.48% 7.30% 11.82% 1.40% - 8.35%
Cash Return on Invested Capital (CROIC)		 -31.74% 2.91% 2.64% 0.45% 2.83% 1.15% 1.87% 2.69% 4.68% - 7.31%
Operating Return on Assets (OROA)		 1.72% 2.71% 3.11% 3.13% 5.22% 2.84% 1.61% 2.56% 0.33% - 1.92%
Return on Assets (ROA)		 1.33% 2.09% 2.48% 2.46% 4.14% 2.22% 1.25% 2.06% 0.24% - 1.47%
Return on Common Equity (ROCE)		 8.46% 14.16% 15.92% 15.49% 24.97% 13.48% 7.30% 11.82% 1.40% - 8.35%
Return on Equity Simple (ROE_SIMPLE)		 12.92% 0.00% 12.92% 12.59% 16.08% 0.00% 14.03% 13.42% 8.37% - 7.17%
Net Operating Profit after Tax (NOPAT)		 202 331 395 390 646 349 189 336 40 - 232
NOPAT Margin		 6.64% 10.68% 12.54% 12.24% 20.38% 10.95% 6.22% 10.14% 1.19% - 7.03%
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		 19.30% 19.24% 19.66% 19.32% 19.23% 18.25% 21.50% 19.20% 18.87% - 21.02%
Operating Expenses to Revenue		 91.40% 86.15% 84.27% 84.44% 74.29% 86.01% 91.99% 87.40% 98.36% - 90.83%
Earnings before Interest and Taxes (EBIT)		 262 429 496 496 815 446 244 417 55 - 303
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 301 468 536 535 856 482 283 457 130 - 380
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.96 0.88 1.01 0.92 1.00 1.21 1.28 1.24 1.21 - 1.09
Price to Tangible Book Value (P/TBV)		 1.00 0.92 1.04 0.95 1.03 1.25 1.32 1.28 1.25 - 1.13
Price to Revenue (P/Rev)		 0.77 0.70 0.83 0.77 0.87 1.05 1.14 1.10 1.02 - 0.91
Price to Earnings (P/E)		 7.46 6.63 7.81 7.29 6.23 7.45 9.11 9.22 14.42 - 15.21
Dividend Yield		 2.86% 3.18% 2.70% 2.88% 2.57% 2.16% 2.01% 2.09% 2.22% - 2.48%
Earnings Yield		 13.40% 15.07% 12.81% 13.72% 16.05% 13.42% 10.98% 10.85% 6.93% - 6.57%
Enterprise Value to Invested Capital (EV/IC)		 0.96 0.90 0.99 0.93 0.99 1.15 1.19 1.10 1.13 - 1.05
Enterprise Value to Revenue (EV/Rev)		 1.04 0.97 1.09 1.04 1.13 1.33 1.42 1.30 1.29 - 1.18
Enterprise Value to EBITDA (EV/EBITDA)		 7.22 6.58 7.32 7.03 5.96 6.99 8.27 7.97 12.27 - 12.26
Enterprise Value to EBIT (EV/EBIT)		 7.91 7.20 7.99 7.70 6.39 7.48 8.92 8.62 14.29 - 15.57
Enterprise Value to NOPAT (EV/NOPAT)		 10.09 9.19 10.19 9.82 8.11 9.46 11.33 10.89 18.16 - 19.78
Enterprise Value to Operating Cash Flow (EV/OCF)		 10.31 9.81 9.97 9.40 10.41 11.13 11.37 10.49 20.33 - 22.90
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 32.17 38.68 217.86 36.69 105.24 66.55 42.42 24.38 - 14.28
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.36 0.36 0.34 0.33 0.32 0.34 0.33 0.33 0.34 - 0.35
Long-Term Debt to Equity		 0.36 0.36 0.34 0.33 0.32 0.32 0.31 0.31 0.32 - 0.35
Financial Leverage		 0.13 0.37 0.35 0.35 0.34 0.35 0.33 0.33 0.33 - 0.34
Leverage Ratio		 6.36 6.77 6.42 6.29 6.03 6.07 5.83 5.73 5.85 - 5.66
Compound Leverage Factor		 6.36 6.77 6.42 6.29 6.03 6.07 5.83 5.73 5.85 - 5.66
Debt to Total Capital		 26.30% 26.22% 25.13% 24.90% 24.06% 25.44% 25.02% 24.85% 25.56% - 25.67%
Short-Term Debt to Total Capital		 0.02% 0.00% 0.00% 0.00% 0.00% 1.87% 1.84% 1.82% 1.88% - 0.00%
Long-Term Debt to Total Capital		 26.28% 26.22% 25.13% 24.90% 24.06% 23.57% 23.18% 23.03% 23.68% - 25.67%
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		 73.70% 73.78% 74.87% 75.10% 75.94% 74.56% 74.98% 75.15% 74.44% - 74.33%
Debt to EBITDA		 1.97 1.91 1.86 1.89 1.45 1.55 1.74 1.80 2.77 - 2.98
Net Debt to EBITDA		 1.88 1.83 1.71 1.81 1.38 1.49 1.63 1.23 2.53 - 2.83
Long-Term Debt to EBITDA		 1.97 1.91 1.86 1.89 1.45 1.44 1.61 1.67 2.57 - 2.98
Debt to NOPAT		 2.76 2.67 2.60 2.63 1.97 2.10 2.38 2.46 4.10 - 4.81
Net Debt to NOPAT		 2.63 2.56 2.39 2.53 1.88 2.01 2.23 1.68 3.74 - 4.57
Long-Term Debt to NOPAT		 2.76 2.67 2.60 2.63 1.97 1.95 2.20 2.28 3.80 - 4.81
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)		 -4,445 -586 -577 -868 -726 -1,270 -1,116 -793 -193 - 533
Operating Cash Flow to CapEx		 1,204.57% 751.64% 1,054.06% 1,224.19% 1,034.48% 1,518.13% 987.71% 1,247.31% -1,207.14% - 860.61%
Free Cash Flow to Firm to Interest Expense		 -91.46 -11.92 -11.66 -17.40 -14.76 -24.20 -21.46 -15.26 -3.70 - 10.04
Operating Cash Flow to Interest Expense		 8.13 6.98 6.03 6.80 7.93 9.25 6.80 6.69 -7.12 - 6.42
Operating Cash Flow Less CapEx to Interest Expense		 7.45 6.05 5.45 6.24 7.16 8.64 6.11 6.16 -7.71 - 5.67
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.20 0.20 0.20 0.20 0.20 0.20 0.20 0.20 0.20 - 0.21
Fixed Asset Turnover		 0.00 26.02 26.28 26.45 26.29 26.08 25.66 25.85 25.93 - 26.11
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 13,050 13,082 13,651 13,935 14,422 14,701 14,956 15,064 14,655 - 14,654
Invested Capital Turnover		 1.12 0.97 0.94 0.94 0.92 0.91 0.88 0.88 0.88 - 0.89
Increase / (Decrease) in Invested Capital		 4,647 917 973 1,258 1,372 1,619 1,305 1,129 233 - -301
Enterprise Value (EV)		 12,539 11,801 13,463 12,941 14,276 16,839 17,828 16,550 16,585 - 15,458
Market Capitalization		 9,273 8,517 10,311 9,603 10,969 13,262 14,324 14,001 13,167 - 11,888
Book Value per Share		 $49.17 $49.48 $53.96 $55.26 $58.95 $60.02 $63.44 $64.92 $64.05 - $66.52
Tangible Book Value per Share		 $47.39 $47.69 $52.12 $53.41 $57.06 $58.11 $61.45 $62.90 $61.97 - $64.36
Total Capital		 13,050 13,082 13,651 13,935 14,422 14,701 14,956 15,064 14,655 - 14,654
Total Debt		 3,432 3,430 3,431 3,470 3,470 3,740 3,742 3,744 3,746 - 3,762
Total Long-Term Debt		 3,430 3,430 3,431 3,470 3,470 3,465 3,467 3,469 3,471 - 3,762
Net Debt		 3,266 3,284 3,152 3,338 3,307 3,577 3,504 2,549 3,418 - 3,569
Capital Expenditures (CapEx)		 33 46 28 28 38 32 36 28 31 - 40
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)		 3,432 3,430 3,431 3,470 3,470 3,740 3,742 3,744 3,746 - 3,762
Total Depreciation and Amortization (D&A)		 39 39 41 40 41 37 40 40 76 - 78
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.03 $1.70 $2.05 $2.05 $3.46 $1.93 $1.06 $1.93 $0.23 $1.06 $1.41
Adjusted Weighted Average Basic Shares Outstanding		 195.05M 191.52M 189.38M 185.77M 182.61M 176.78M 174.36M 170.31M 167.33M 163.75M 159.78M
Adjusted Diluted Earnings per Share		 $1.02 $1.70 $2.04 $2.05 $3.46 $1.91 $1.06 $1.92 $0.23 $1.06 $1.41
Adjusted Weighted Average Diluted Shares Outstanding		 195.05M 191.52M 189.38M 185.77M 182.61M 176.78M 174.36M 170.31M 167.33M 163.75M 159.78M
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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 195.05M 191.52M 189.38M 185.77M 182.61M 176.78M 174.36M 170.31M 167.33M 163.75M 159.78M
Normalized Net Operating Profit after Tax (NOPAT)		 202 331 395 390 646 349 189 336 40 - 232
Normalized NOPAT Margin		 6.64% 10.68% 12.54% 12.24% 20.38% 10.95% 6.22% 10.14% 1.19% - 7.03%
Pre Tax Income Margin		 8.60% 13.85% 15.73% 15.56% 25.72% 13.99% 8.01% 12.60% 1.64% - 9.17%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 5.38 8.71 10.01 9.93 16.56 8.49 4.68 8.02 1.04 - 5.70
NOPAT to Interest Expense		 4.16 6.72 7.98 7.81 13.12 6.64 3.64 6.45 0.76 - 4.37
EBIT Less CapEx to Interest Expense		 4.71 7.78 9.44 9.37 15.79 7.88 4.00 7.48 0.45 - 4.95
NOPAT Less CapEx to Interest Expense		 3.48 5.79 7.41 7.25 12.36 6.03 2.95 5.92 0.17 - 3.62
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 21.85% 21.58% 21.23% 21.58% 16.51% 16.67% 19.14% 20.11% 33.52% - 39.33%
Augmented Payout Ratio		 41.03% 41.07% 45.52% 55.86% 49.21% 71.35% 85.99% 97.38% 167.65% - 194.00%

Financials Breakdown Chart

Key Financial Trends

Below is a concise four-year trend snapshot for Unum Group (UNM) based on the quarterly cash flow, income statement, and balance sheet data you provided (2022 through 2025). The focus is on key drivers a retail investor may watch: revenue quality, earnings cadence, cash flow health, and balance sheet depth typical of a large life/employee benefits insurer.

  • Premiums earned have remained a core revenue driver, typically in the mid-to-high 2 billions per quarter in 2025, signaling stable core insurance revenue generation.
  • Total revenue has generally held in the 3.0 to 3.3 billion quarterly range in 2025, indicating a steady top line across business lines (premium income plus non-interest income).
  • Net income from continuing operations has been positive in all main 2025 quarters, including sizable figures such as about 335.6 million in Q2 2025 and 174.1 million in Q4 2025, suggesting ongoing profitability despite seasonal/quarterly variation.
  • Operating cash flow has been broadly positive in several 2025 quarters (for example, roughly 348 million in Q2 2025 and about 358 million in Q3/Q4 timing), indicating meaningful cash generation from core operations in multiple periods.
  • The balance sheet shows a large, durable asset base (around 62–64 billion in 2025) and a solid equity base (around 10.9–11.3 billion), underpinning capitalization for an insurer. Policyholder liabilities (Future Policy Benefits) remain a substantial segment (roughly 38–39 billion in 2025), which is typical for Unum’s business model but a key liability ceiling to monitor.
  • Cash dividends per share have been stable around 0.42, with a higher per-share rate of 0.46 in Q4 2025, reflecting ongoing shareholder returns and minor near-term adjustments.
  • Share repurchases (negative cash flow in financing activities) have been notable in several quarters (examples include substantial repurchases in 2024–2025), contributing to cash outflows but a potential impact on earnings per share and book value over time.
  • Long-term debt remains modest relative to assets (around 3.0–3.5 billion in many periods) with single-quarter interest expense in the 50–52 million range—typical for risk-managed but debt-bearing insurers; the capital structure appears steady rather than rapidly expanding.
  • Net change in cash and overall cash flow can swing negative in some quarters (for example, Q3 2025 and Q4 2025 show negative net change in cash), signaling quarter-to-quarter cash outflows not always fully offset by operating cash flow.
  • Earnings and cash flow show meaningful quarter-to-quarter volatility (notably in 2025), which can complicate short-term predictability and may reflect seasonality, reserving updates, and policyholder-related cash movements inherent to life and disability insurance businesses.
05/14/26 08:21 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 financial year ends in December. Their financial 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. See Unum Group's forecast for analyst expectations on what's next for the company.

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 5/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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