Unum Financials
This page shows Unum (UNM) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 19 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
Unum has an operating margin of 9.7%, meaning the company retains $10 of operating profit per $100 of revenue. This results in a moderate score of 49/100, indicating healthy but not exceptional operating efficiency.
Unum's revenue grew a modest 1.5% year-over-year to $13.1B. This slow but positive growth earns a score of 33/100.
Unum carries a low D/E ratio of 0.34, meaning only $0.34 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 99/100, indicating a strong balance sheet with room for future borrowing.
Unum's free cash flow margin of 4.3% results in a low score of 21/100. Capital expenditures of $132.3M absorb a large share of operating cash flow.
Unum generates a 6.6% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 27/100. This is down from 16.2% the prior year.
Unum passes 2 of 9 financial strength tests. 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
For every $1 of reported earnings, Unum generates $0.93 in operating cash flow ($687.7M OCF vs $738.5M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
Unum earns $0.0 in operating income for every $1 of interest expense ($1K vs $208.8M). This narrow margin raises concern about the company's ability to service its debt if operating income declines.
Key Financial Metrics
Unum generated $13.1B in revenue in fiscal year 2025. This represents an increase of 1.5% from the prior year.
Unum's EBITDA was $1K in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
Unum generated $555.4M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 60.0% from the prior year.
Unum reported $738.5M in net income in fiscal year 2025. This represents a decrease of 58.5% from the prior year.
Unum earned $4.27 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 54.9% from the prior year.
Unum held $158.2M in cash against $3.8B in long-term debt as of fiscal year 2025.
Unum paid $1.76 per share in dividends in fiscal year 2025. This represents an increase of 12.1% from the prior year.
Unum had 164M shares outstanding in fiscal year 2025.
Unum's operating margin was 9.7% in fiscal year 2025, reflecting core business profitability.
Unum's net profit margin was 5.7% in fiscal year 2025, showing the share of revenue converted to profit. This is down 8.2 percentage points from the prior year.
Unum's ROE was 6.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 9.6 percentage points from the prior year.
Unum spent $1.0B on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 3.8% from the prior year.
Unum invested $132.3M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 5.3% from the prior year.
UNM Income Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $3.2B-4.0% | $3.4B+0.5% | $3.4B+8.7% | $3.1B-4.5% | $3.2B+0.6% | $3.2B-0.5% | $3.2B+1.0% | $3.2B |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | $335.2M+4.2% | $321.6M | N/A | $501.8M+61.3% | $311.1M+0.9% | $308.4M |
| Interest Expense | $52.6M+0.8% | $52.2M+0.4% | $52.0M0.0% | $52.0M-1.0% | $52.5M+6.7% | $49.2M-1.4% | $49.9M+0.8% | $49.5M |
| Income Tax | $44.3M+199.3% | $14.8M-81.8% | $81.4M+49.4% | $54.5M-43.7% | $96.8M-42.7% | $168.9M+59.3% | $106.0M+5.5% | $100.5M |
| Net Income | $174.1M+338.5% | $39.7M-88.2% | $335.6M+77.5% | $189.1M-45.8% | $348.7M-46.0% | $645.7M+65.8% | $389.5M-1.4% | $395.2M |
| EPS (Diluted) | $-1.12-587.0% | $0.23-88.0% | $1.92+81.1% | $1.06-26.4% | $1.44-58.4% | $3.46+68.8% | $2.05+0.5% | $2.04 |
UNM Balance Sheet
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $63.5B-0.2% | $63.7B+1.3% | $62.8B+0.6% | $62.5B+0.8% | $62.0B-3.4% | $64.1B+3.4% | $62.0B-0.7% | $62.5B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $158.2M-51.8% | $327.9M-72.6% | $1.2B+402.7% | $237.7M+46.0% | $162.8M-0.4% | $163.4M+23.1% | $132.7M-52.5% | $279.1M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | $10.3M | N/A | N/A | N/A |
| Goodwill | $353.9M0.0% | $354.0M+0.2% | $353.3M+0.8% | $350.6M+0.4% | $349.1M-0.8% | $352.0M+0.7% | $349.6M0.0% | $349.6M |
| Total Liabilities | $52.4B-0.7% | $52.8B+2.4% | $51.5B+0.5% | $51.2B+0.5% | $51.0B-4.1% | $53.2B+3.1% | $51.6B-1.3% | $52.3B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $3.8B+8.6% | $3.5B0.0% | $3.5B+0.1% | $3.5B+0.1% | $3.5B-0.1% | $3.5B0.0% | $3.5B+1.1% | $3.4B |
| Total Equity | $11.1B+1.9% | $10.9B-3.6% | $11.3B+0.9% | $11.2B+2.3% | $11.0B+0.1% | $11.0B+4.7% | $10.5B+2.4% | $10.2B |
| Retained Earnings | $13.3B+0.7% | $13.2B-0.3% | $13.3B+2.0% | $13.0B+0.9% | $12.9B+2.1% | $12.6B+4.7% | $12.1B+2.7% | $11.8B |
UNM Cash Flow Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $357.9M+196.3% | -$371.8M-206.8% | $348.0M-1.6% | $353.6M-27.2% | $485.8M+24.6% | $390.0M+15.0% | $339.1M+13.7% | $298.3M |
| Capital Expenditures | $37.8M+22.7% | $30.8M+10.4% | $27.9M-22.1% | $35.8M+11.9% | $32.0M-15.1% | $37.7M+36.1% | $27.7M-2.1% | $28.3M |
| Free Cash Flow | $320.1M+179.5% | -$402.6M-225.8% | $320.1M+0.7% | $317.8M-30.0% | $453.8M+28.8% | $352.3M+13.1% | $311.4M+15.3% | $270.0M |
| Investing Cash Flow | -$222.5M-17.5% | -$189.3M-119.5% | $972.8M+8139.7% | -$12.1M-124.8% | $48.7M+140.7% | -$119.7M+58.9% | -$291.1M-1744.6% | $17.7M |
| Financing Cash Flow | -$305.1M+0.2% | -$305.8M+15.9% | -$363.7M-36.4% | -$266.6M+50.2% | -$535.1M-123.3% | -$239.6M-23.3% | -$194.4M-6.3% | -$182.9M |
| Dividends Paid | $77.3M-1.4% | $78.4M+6.8% | $73.4M-4.8% | $77.1M-0.1% | $77.2M-0.8% | $77.8M+12.8% | $69.0M-4.8% | $72.5M |
| Share Buybacks | $258.5M+3.0% | $250.9M-16.5% | $300.4M+49.8% | $200.5M-57.6% | $472.9M+136.5% | $200.0M+12.3% | $178.1M+46.1% | $121.9M |
UNM Financial Ratios
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | 12.6%+0.3pp | 12.3% | N/A | 15.6%+3.6pp | 12.0%+0.2pp | 11.8% |
| Net Margin | 5.4%+4.2pp | 1.2%-8.8pp | 10.0%+3.9pp | 6.1%-4.7pp | 10.8%-9.3pp | 20.1%+8.0pp | 12.0%-0.3pp | 12.3% |
| Return on Equity | 1.6%+1.2pp | 0.4%-2.6pp | 3.0%+1.3pp | 1.7%-1.5pp | 3.2%-2.7pp | 5.9%+2.2pp | 3.7%-0.2pp | 3.9% |
| Return on Assets | 0.3%+0.2pp | 0.1%-0.5pp | 0.5%+0.2pp | 0.3%-0.3pp | 0.6%-0.4pp | 1.0%+0.4pp | 0.6%0.0pp | 0.6% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.34+0.0 | 0.32+0.0 | 0.310.0 | 0.310.0 | 0.320.0 | 0.32-0.0 | 0.330.0 | 0.34 |
| FCF Margin | 9.9%+21.8pp | -11.9%-21.4pp | 9.5%-0.8pp | 10.3%-3.7pp | 14.0%+3.1pp | 10.9%+1.3pp | 9.6%+1.2pp | 8.4% |
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Frequently Asked Questions
What is Unum's annual revenue?
Unum (UNM) reported $13.1B in total revenue for fiscal year 2025. This represents a 1.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Unum's revenue growing?
Unum (UNM) revenue grew by 1.5% year-over-year, from $12.9B to $13.1B in fiscal year 2025.
Is Unum profitable?
Yes, Unum (UNM) reported a net income of $738.5M in fiscal year 2025, with a net profit margin of 5.7%.
What is Unum's earnings per share (EPS)?
Unum (UNM) reported diluted earnings per share of $4.27 for fiscal year 2025. This represents a -54.9% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Unum's EBITDA?
Unum (UNM) had EBITDA of $1K in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does Unum have?
As of fiscal year 2025, Unum (UNM) had $158.2M in cash and equivalents against $3.8B in long-term debt.
What is Unum's operating margin?
Unum (UNM) had an operating margin of 9.7% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is Unum's net profit margin?
Unum (UNM) had a net profit margin of 5.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Unum pay dividends?
Yes, Unum (UNM) paid $1.76 per share in dividends during fiscal year 2025.
What is Unum's return on equity (ROE)?
Unum (UNM) has a return on equity of 6.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Unum's free cash flow?
Unum (UNM) generated $555.4M in free cash flow during fiscal year 2025. This represents a -60.0% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Unum's operating cash flow?
Unum (UNM) generated $687.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Unum's total assets?
Unum (UNM) had $63.5B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Unum's capital expenditures?
Unum (UNM) invested $132.3M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
Does Unum buy back shares?
Yes, Unum (UNM) spent $1.0B on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
How many shares does Unum have outstanding?
Unum (UNM) had 164M shares outstanding as of fiscal year 2025.
What is Unum's debt-to-equity ratio?
Unum (UNM) had a debt-to-equity ratio of 0.34 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Unum's return on assets (ROA)?
Unum (UNM) had a return on assets of 1.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Unum's Piotroski F-Score?
Unum (UNM) has a Piotroski F-Score of 2 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Unum's earnings high quality?
Unum (UNM) has an earnings quality ratio of 0.93x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can Unum cover its interest payments?
Unum (UNM) has an interest coverage ratio of 0.0x, meaning it can struggle to cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
How financially healthy is Unum?
Unum (UNM) scores 46 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.