UNM · Unum Group - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $13.08B | $12.89B | $12.39B | $11.99B | $12.01B | $13.16B |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - |
| Operating Income | $933.50M | $2.25B | $1.64B | $964.00M | $1.06B | $964.00M |
| Interest Expense | - | - | - | - | - | - |
| Income Tax | $195.00M | $472.20M | $356.30M | $317.20M | $238.80M | $171.00M |
| Net Income | $738.50M | $1.78B | $1.28B | $1.31B | $824.20M | $793.00M |
| EPS - Basic | $4.28 | $9.49 | $6.53 | $6.55 | $4.04 | $3.89 |
| EPS - Diluted | $4.27 | $9.46 | $6.50 | $6.50 | $4.02 | $3.89 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $158.20M | $162.80M | $146.00M | $119.20M | $75.00M | $197.00M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $63.52B | $61.96B | $63.26B | $61.43B | $70.12B | $70.63B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | $3.77B | $3.47B | $3.43B | $3.43B | $3.44B | $3.35B |
| Total Liabilities | $52.40B | $51.00B | $53.60B | $52.24B | $58.70B | $59.75B |
| Stockholders' Equity | $11.12B | $10.96B | $9.65B | $9.20B | $11.42B | $10.87B |
| Retained Earnings | $13.35B | $12.91B | $11.25B | $12.91B | $11.85B | $11.27B |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $687.70M | $1.51B | $1.20B | $1.42B | $1.39B | $597.50M |
| Investing Cash Flow | $548.90M | ($344.40M) | ($725.90M) | ($955.90M) | ($1.34B) | ($267.70M) |
| Financing Cash Flow | ($1.24B) | ($1.15B) | ($450.10M) | ($418.60M) | ($168.90M) | ($216.90M) |
| CapEx | $132.30M | $125.70M | $134.80M | $102.20M | $110.30M | $119.10M |
| Free Cash Flow | $555.40M | $1.39B | $1.07B | $1.32B | $1.28B | $478.40M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 7.1% | 17.5% | 13.2% | 8.0% | 8.8% | 7.3% |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | 5.6% | 13.8% | 10.4% | 11.0% | 6.9% | 6.0% |
| Free cash flow margin | 4.2% | 10.8% | 8.6% | 11.0% | 10.6% | 3.6% |
| FCF / Net income | 0.75 | 0.78 | 0.83 | 1.00 | 1.55 | 0.60 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 20.9% | 21.0% | 21.7% | 19.4% | 22.5% | 17.7% |
| Return on assets | 1.2% | 2.9% | 2.0% | 2.1% | 1.2% | 1.1% |
| Return on equity | 6.6% | 16.2% | 13.3% | 14.3% | 7.2% | 7.3% |
| Return on invested capital | 5.0% | 12.3% | 9.8% | 6.2% | 5.5% | 5.6% |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | 0.34 | 0.32 | 0.36 | 0.37 | 0.30 | 0.31 |
| Debt / Assets | 0.06 | 0.06 | 0.05 | 0.06 | 0.05 | 0.05 |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - |
| Equity multiplier | 5.71 | 5.65 | 6.55 | 6.68 | 6.14 | 6.50 |
| Liabilities / Assets | 0.82 | 0.82 | 0.85 | 0.85 | 0.84 | 0.85 |
| Efficiency | ||||||
| Asset turnover | 0.21 | 0.21 | 0.20 | 0.20 | 0.17 | 0.19 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 18.1x | 7.7x | 7.0x | 6.3x | 6.1x | 5.9x |
| P / B | 1.2x | 1.3x | 0.9x | 0.9x | 0.4x | 0.4x |
| P / S | 1.0x | 1.1x | 0.7x | 0.7x | 0.4x | 0.4x |
| EV / EBITDA | - | - | - | - | - | - |
| Growth | ||||||
| Revenue growth (YoY) | 1.5% | 4.0% | 3.3% | -0.2% | -8.7% | 9.7% |
| Revenue CAGR (3y) | 2.9% | 2.4% | -2.0% | -0.0% | 1.2% | 5.3% |
| Revenue CAGR (5y) | -0.1% | 1.4% | 1.3% | 1.2% | 1.7% | 4.2% |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | -58.5% | 37.3% | 70.1% | -9.3% | 10.3% | -30.3% |
| Net income growth (YoY) | -58.5% | 38.6% | -2.3% | 59.5% | 3.9% | -27.9% |
| EPS growth (YoY) | -54.9% | 45.5% | 0.0% | 61.7% | 3.3% | -25.8% |
| EPS CAGR (3y) | -13.1% | 33.0% | 18.7% | 7.4% | 19.1% | -3.8% |
| EPS CAGR (5y) | 1.9% | 12.5% | 22.3% | 8.3% | 0.4% | 2.1% |
| FCF growth (YoY) | -60.0% | 29.9% | -18.9% | 3.1% | 167.0% | -69.9% |
| FCF CAGR (5y) | 3.0% | -2.7% | -5.2% | 4.7% | 4.4% | -16.7% |
| Book value growth (YoY) | 1.4% | 13.6% | 4.9% | -19.4% | 5.0% | 9.1% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
3/9
Weak
- ✓Net income positive
- ✓Operating cash flow positive
- ✗ROA improved YoY
- ✗Cash flow > net income
- ✗Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- ✗Asset turnover improved
Peer comparison
Same SIC group: Accident & Health Insurance
Comparing Unum Group against the 4 most active filers in the same SIC group.
Dividends
$1.84/share trailing 12 months · +9.5% YoY
| Ex-date | Per share |
|---|---|
| Apr 24, 2026 | $0.4600 |
| Jan 30, 2026 | $0.4600 |
| Oct 24, 2025 | $0.4600 |
| Jul 25, 2025 | $0.4600 |
| Apr 25, 2025 | $0.4200 |
| Jan 24, 2025 | $0.4200 |
| Oct 25, 2024 | $0.4200 |
| Jul 26, 2024 | $0.4200 |
| Apr 25, 2024 | $0.3650 |
| Jan 25, 2024 | $0.3650 |
| Oct 26, 2023 | $0.3650 |
| Jul 27, 2023 | $0.3650 |
| Apr 27, 2023 | $0.3300 |
| Jan 26, 2023 | $0.3300 |
| Oct 27, 2022 | $0.3300 |
| Jul 28, 2022 | $0.3300 |
| Apr 28, 2022 | $0.3000 |
| Jan 27, 2022 | $0.3000 |
| Oct 28, 2021 | $0.3000 |
| Jul 29, 2021 | $0.3000 |
| Apr 29, 2021 | $0.2850 |
| Jan 28, 2021 | $0.2850 |
| Oct 29, 2020 | $0.2850 |
| Jul 30, 2020 | $0.2850 |