Unum (UNM) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 8, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Jul 29, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the UNM SEC filings page.
Unum (UNM) reported $13.3B in revenue over the twelve months to Jun 30, 2026, up 3.4% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
Revenue expands, but FY2025 cash conversion and profitability contract as shareholder distributions remain elevated.
Revenue reached$13.1B in FY2025 while net profit margin fell to5.7% ; top-line expansion did not translate into earnings. Operating cash flow fell to$687.7M from$1.5B , linking the earnings deterioration to weaker cash conversion rather than a purely margin-table change.
FY2025 shareholder distributions totaled about
Long-term debt was
Financial Health Signals
Scored against insurers for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Unum's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Loss Ratio measures the claims an insurer paid out against the premiums it earned, so a lower ratio leaves more of every premium dollar with the company. Unum scores 29/100 on it among other insurers.
Not available for Unum, and counted as zero in the overall score.
Unum funded 17.5% of its assets with shareholders' equity at the end of fiscal year 2025, holding $11.1B of equity against $63.5B of assets. Capital ranks insurers on that cushion, and Unum scores 29/100 among other insurers.
Not available for Unum, and counted as zero in the overall score.
Combined Ratio puts claims and running costs together against premiums earned, and a figure under 100% means the underwriting made money before any investment income was counted. Unum scores 35/100 on it among other insurers.
Unum reported net income of $738.5M in fiscal year 2025, against $1.8B in fiscal year 2024. Stability ranks insurers on how steady net income has been across five years, and Unum scores 78/100 among other insurers.
Unum passes 3 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 2 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, 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.
Key Financial Metrics
Earnings & Revenue
Unum generated $3.4B in revenue in Q2 2026. This represents an increase of 0.3% from the same quarter a year earlier. Against the prior quarter it is up 0.4%.
Unum reported $256.9M in net income in Q2 2026. This represents a decrease of 23.5% from the same quarter a year earlier. Against the prior quarter it is up 10.7%.
Unum earned $1.61 per diluted share (EPS) in Q2 2026. This represents a decrease of 16.1% from the same quarter a year earlier. Against the prior quarter it is up 14.2%.
Not reported for Q2 2026.
Cash & Balance Sheet
Unum generated $474.3M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 48.2% from the same quarter a year earlier. Against the prior quarter it is up 57.5%.
Unum held $199.2M in cash against $3.8B in long-term debt as of Q2 2026.
Unum paid $0.46 per share in dividends in Q2 2026. This represents an increase of 9.5% from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
Unum's net profit margin was 7.6% in Q2 2026, showing the share of revenue converted to profit. This is down 2.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.7 percentage points.
Unum's ROE was 2.4% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.3 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Unum spent $209.9M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 30.1% from the same quarter a year earlier. Against the prior quarter it is down 47.4%.
Unum invested $29.2M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 4.7% from the same quarter a year earlier. Against the prior quarter it is down 26.3%.
Not reported for Q2 2026.
UNM Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $3.4B+0.3% | $3.4B+8.5% | $3.2B+0.2% | $3.4B+5.0% | $3.4B+4.0% | $3.1B-3.4% | $3.2B+2.9% | $3.2B+4.0% |
| SG&A Expenses | $307.0M+5.1% | $325.5M+4.9% | $288.8M+6.8% | $292.4M-0.6% | $292.0M-1.3% | $310.4M+1.5% | $270.3M-8.5% | $294.2M-1.2% |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $501.8M+2.4% |
| EBITDA | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $532.4M+2.7% |
| Interest Expense | $53.3M+2.5% | $53.1M+2.1% | $52.6M+0.2% | $52.2M+6.1% | $52.0M+4.2% | $52.0M+5.1% | $52.5M+6.7% | $49.2M+1.2% |
| Income Tax | $72.6M-10.8% | $70.7M+29.7% | $44.3M-54.2% | $14.8M-91.2% | $81.4M-23.2% | $54.5M-45.8% | $96.8M-1.3% | $168.9M+182.9% |
| Net Income | $256.9M-23.5% | $232.0M+22.7% | $174.1M-50.1% | $39.7M-93.9% | $335.6M-13.8% | $189.1M-52.2% | $348.7M+5.5% | $645.7M+219.7% |
| EPS (Basic) | $1.61-16.6% | $1.41+33.0% | $1.04-46.7% | $0.23-93.4% | $1.93-5.9% | $1.06-48.3% | $1.95+14.7% | $3.46+235.9% |
| EPS (Diluted) | $1.61-16.1% | $1.41+33.0% | $1.04-46.4% | $0.23-93.4% | $1.92-6.3% | $1.06-48.0% | $1.94+14.8% | $3.46+239.2% |
| Diluted Shares (Avg) | 160M-8.3% | 164M-8.1% | N/A | 171M-8.7% | 174M-8.4% | 179M-7.4% | N/A | 187M-5.2% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses.
UNM Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $63.5B+1.0% | $62.7B+0.4% | $63.5B+2.5% | $63.7B-0.7% | $62.8B+1.3% | $62.5B0.0% | $62.0B-2.0% | $64.1B+7.0% |
| Cash & Equivalents | $199.2M-83.3% | $192.6M-19.0% | $158.2M-2.8% | $327.9M+100.7% | $1.2B+800.4% | $237.7M-14.8% | $162.8M+11.5% | $163.4M-1.5% |
| Short-Term Investments | $1.9B-18.0% | $2.1B-30.7% | $3.0B+18.7% | $2.6B+30.7% | $2.3B+27.5% | $3.0B+85.2% | $2.5B+57.7% | $2.0B+33.9% |
| Long-Term Investments | $1.6B-1.9% | $1.7B-1.5% | $1.7B-1.4% | $1.7B0.0% | $1.7B+0.8% | $1.7B+4.3% | $1.7B+7.3% | $1.7B+11.7% |
| Goodwill | $353.0M-0.1% | $353.0M+0.7% | $353.9M+1.4% | $354.0M+0.6% | $353.3M+1.1% | $350.6M+0.3% | $349.1M-0.2% | $352.0M+1.2% |
| Total Liabilities | $52.7B+2.2% | $51.8B+1.1% | $52.4B+2.7% | $52.8B-0.8% | $51.5B-0.1% | $51.2B-2.0% | $51.0B-4.9% | $53.2B+5.7% |
| Long-Term Debt | $3.8B+8.5% | $3.8B+8.5% | $3.8B+8.7% | $3.5B0.0% | $3.5B0.0% | $3.5B+1.0% | $3.5B+1.0% | $3.5B+1.2% |
| Total Equity | $10.8B-4.5% | $10.9B-2.9% | $11.1B+1.4% | $10.9B-0.4% | $11.3B+8.2% | $11.2B+9.7% | $11.0B+13.6% | $11.0B+13.9% |
| Retained Earnings | $13.7B+3.0% | $13.5B+3.6% | $13.3B+3.3% | $13.2B+4.8% | $13.3B+10.0% | $13.0B+10.8% | $12.9B+13.0% | $12.6B-9.0% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.
UNM Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $503.5M+44.7% | $340.8M-3.6% | $357.9M-26.3% | -$371.8M-195.3% | $348.0M+2.6% | $353.6M+18.5% | $485.8M+41.4% | $390.0M-1.3% |
| Depreciation & Amortization | $50.6M+67.5% | $31.8M+6.0% | $31.2M+19.1% | $31.6M+3.3% | $30.2M+3.4% | $30.0M-0.3% | $26.2M-6.1% | $30.6M+8.9% |
| Capital Expenditures | $29.2M+4.7% | $39.6M+10.6% | $37.8M+18.1% | $30.8M-18.3% | $27.9M+0.7% | $35.8M+26.5% | $32.0M-30.0% | $37.7M+14.9% |
| Free Cash Flow | $474.3M+48.2% | $301.2M-5.2% | $320.1M-29.5% | -$402.6M-214.3% | $320.1M+2.8% | $317.8M+17.7% | $453.8M+52.4% | $352.3M-2.8% |
| Investing Cash Flow | -$499.4M-151.3% | $82.7M+783.5% | -$222.5M-556.9% | -$189.3M-58.1% | $972.8M+434.2% | -$12.1M-168.4% | $48.7M+121.4% | -$119.7M+46.9% |
| Financing Cash Flow | $2.5M+100.7% | -$389.1M-45.9% | -$305.1M+43.0% | -$305.8M-27.6% | -$363.7M-87.1% | -$266.6M-45.8% | -$535.1M-293.2% | -$239.6M-113.7% |
| Dividends Paid | $73.6M+0.3% | $78.2M+1.4% | $77.3M+0.1% | $78.4M+0.8% | $73.4M+6.4% | $77.1M+6.3% | $77.2M+8.1% | $77.8M+9.0% |
| Share Buybacks | $209.9M-30.1% | $398.8M+98.9% | $258.5M-45.3% | $250.9M+25.4% | $300.4M+68.7% | $200.5M+64.5% | $472.9M+523.1% | $200.0M+164.6% |
Not reported in any period shown, so not listed: Stock-Based Compensation.
UNM Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15.6%-0.3pp |
| Net Margin | 7.6%-2.4pp | 6.9%+0.8pp | 5.4%-5.4pp | 1.2%-18.9pp | 10.0%-2.1pp | 6.1%-6.2pp | 10.8%+0.3pp | 20.1%+13.5pp |
| Return on Equity | 2.4%-0.6pp | 2.1%+0.4pp | 1.6%-1.6pp | 0.4%-5.5pp | 3.0%-0.8pp | 1.7%-2.2pp | 3.2%-0.2pp | 5.9%+3.8pp |
| Return on Assets | 0.4%-0.1pp | 0.4%+0.1pp | 0.3%-0.3pp | 0.1%-0.9pp | 0.5%-0.1pp | 0.3%-0.3pp | 0.6%0.0pp | 1.0%+0.7pp |
| Debt-to-Equity | 0.350.0x | 0.350.0x | 0.340.0x | 0.320.0x | 0.310.0x | 0.310.0x | 0.320.0x | 0.320.0x |
| Asset Turnover | 0.050.0x | 0.050.0x | 0.050.0x | 0.050.0x | 0.050.0x | 0.050.0x | 0.050.0x | 0.050.0x |
| FCF Margin | 14.1%+4.5pp | 9.0%-1.3pp | 9.9%-4.1pp | -11.9%-22.9pp | 9.5%-0.1pp | 10.3%+1.8pp | 14.0%+4.5pp | 10.9%-0.8pp |
Not reported in any period shown, so not listed: Gross Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Unum UNM | FY2025 | $13.1B | $738.5M | 5.7% | $14.9B | 29/100 |
| Globe Life Inc GL | FY2025 | $6.0B | $1.2B | 19.4% | $13.4B | 43/100 |
| Prudential Finl PRU | FY2025 | $60.8B | $3.6B | 5.9% | $42.1B | 11/100 |
| Aflac Inc AFL | FY2025 | $17.2B | $3.6B | 21.2% | $58.8B | 48/100 |
| MetLife MET | FY2025 | $77.1B | $3.2B | 4.1% | $62.0B | 17/100 |
Where Unum Ranks
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%.
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 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.
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 P/E ratio?
Unum (UNM) trades at 21.2x earnings, its market capitalization divided by net income of $702.7M net income, trailing 12 months to June 30, 2026. The market capitalization is $14.9B as of Sep 8, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Unum's price-to-sales ratio?
Unum (UNM) trades at 1.1x sales, its market capitalization divided by revenue of $13.3B revenue, trailing 12 months to June 30, 2026. The market capitalization is $14.9B as of Sep 8, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Unum's Piotroski F-Score?
Unum (UNM) has a Piotroski F-Score of 3 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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.
How financially healthy is Unum?
Unum (UNM) scores 29 out of 100 on our Financial Health Score, indicating weak standing within its insurers peer group. The score is a 0-100 composite of six dimensions (Loss Ratio, Premium Growth, Capital, Investment Yield, Combined Ratio, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.