What is Unum Group's earnings per share (EPS)?

Unum Group (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.

Unum Group (UNM) Financials

UNM

Trailing 12 months to June 30, 2026

Revenue $13.3B +3.4% YoY

Net Income $702.7M -53.7% YoY

EPS (Diluted) $4.29 -48.8% YoY

Free Cash Flow $693.0M -52.0% YoY

Market Cap $14.3B as of Oct 23, 2026

Price / Sales 1.1x on $13.3B revenue, trailing 12 months to June 30, 2026

Price / Earnings 20.3x on $702.7M net income, trailing 12 months to June 30, 2026

Price / Book 1.3x on $10.8B equity, Q2 FY2026

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 Oct 23, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Jul 29, 2026 Currency USD FYE December

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 Group (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).

Rhea AI UNM FY2025 2026-10-03

Revenue held up, but FY2025 exposed a sharp break in earnings and cash generation after substantial shareholder distributions.

Net income fell from $1.8B in FY2024 to $738.5M in FY2025, making the earnings shock too large to explain as ordinary revenue noise. Operating cash flow moved the same way, while free-cash-flow margin compressed from 10.8% to 4.3%; cash conversion weakened alongside profit rather than cushioning it.

Revenue reached $13.1B in FY2025 from $12.9B in FY2024, indicating the earnings decline was not caused by a shrinking top line. Net profit margin fell to 5.7% from 13.8%, showing that the pressure sat below revenue—in cost, loss, or investment-income lines not broken out here.

Equity increased to $11.1B from $11.0B, giving the balance sheet a somewhat thicker capital cushion despite FY2025's weaker results. With debt-to-equity at 0.3x, the main financing swing was shareholder distributions: negative financing cash flow reflects buybacks and dividends exceeding free cash flow, rather than a debt-funded expansion.

Financial Health Signals

Financial Health Score (4 of 6 dimensions) 43/100

Scored as: Insurers peer group

Scored against insurers for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 4 of 6, with the others left out rather than counted as zero. 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 Group'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

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 Group scores 29/100 on it among other insurers.

Premium Growth

n/a

Not available for Unum Group, so it is left out of the overall score, which averages the 4 of 6 dimensions that can be computed.

Capital

Unum Group 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 Group scores 30/100 among other insurers.

Investment Yield

n/a

Not available for Unum Group, so it is left out of the overall score, which averages the 4 of 6 dimensions that can be computed.

Combined Ratio

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 Group scores 35/100 on it among other insurers.

Stability

Unum Group 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 Group scores 78/100 among other insurers.

Piotroski F-Score Partial

3/7

Unum Group 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, the one computable operating efficiency signal (asset turnover improving) does not pass.

Key Financial Metrics

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Earnings & Revenue

Revenue

$3.4B

YoY+0.3%

QoQ+0.4%

5Y CAGR+2.4%

10Y CAGR+2.0%

Unum Group 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%.

Net Income

$256.9M

YoY-23.5%

QoQ+10.7%

5Y CAGR+7.0%

10Y CAGR+0.8%

Unum Group 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%.

EPS (Diluted)

$1.61

YoY-16.1%

QoQ+14.2%

Unum Group 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%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$474.3M

YoY+48.2%

QoQ+57.5%

5Y CAGR-6.1%

10Y CAGR+6.9%

Unum Group 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%.

Cash & Debt

$199.2M

YoY-83.3%

QoQ+3.4%

5Y CAGR+10.1%

10Y CAGR+7.8%

Unum Group held $199.2M in cash against $3.8B in long-term debt as of Q2 2026.

Dividends Per Share

$0.46

YoY+9.5%

QoQ0.0%

Unum Group 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.

Shares Outstanding

158M

YoY-7.0%

QoQ-0.9%

Unum Group had 158M shares outstanding in Q2 2026. This represents a decrease of 7.0% from the same quarter a year earlier. Against the prior quarter it is down 0.9%.

Margins & Returns

Net Margin

7.6%

YoY-2.4pp

QoQ+0.7pp

5Y change+1.5pp

10Y change-1.0pp

Unum Group'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.

Return on Equity

2.4%

YoY-0.6pp

QoQ+0.3pp

5Y change+0.7pp

10Y change-0.2pp

Unum Group's quarterly ROE was 2.4% in Q2 2026: one quarter's net income over shareholder equity, not annualized. 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.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$209.9M

YoY-30.1%

QoQ-47.4%

5Y CAGRn/m

10Y CAGR+7.7%

Unum Group 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%.

Capital Expenditures

$29.2M

YoY+4.7%

QoQ-26.3%

5Y CAGR+1.8%

10Y CAGR+1.8%

Unum Group 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%.

R&D Spending

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.

UNM quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$13.3B	$13.1B+1.5%	$12.9B+4.0%	$12.4B+3.4%	$12.0B-0.2%	$12.0B-8.8%	$13.2B+9.7%	$12.0B+3.5%	$11.6B+2.8%	$11.3B+2.2%	$11.0B+2.9%	$10.7B+2.0%	$10.5B+1.5%	$10.4B-1.4%	$10.5B+2.3%	$10.3B
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$1.2B+0.2%	$1.2B-6.3%	$1.3B
EBITDA	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$1.8B+2.5%	$1.7B-3.9%	$1.8B
Interest Expense	$211.2M	$208.8M+3.8%	$201.1M+3.2%	$194.8M+3.3%	$188.5M+1.9%	$185.0M-1.7%	$188.2M+6.1%	$177.4M+6.0%	$167.3M+4.6%	$159.9M-3.7%	$166.0M+8.6%	$152.8M-8.8%	$167.5M+12.1%	$149.4M+2.8%	$145.4M+1.5%	$143.3M
Income Tax	$202.4M	$195.0M-58.7%	$472.2M+32.5%	$356.3M+3.9%	$342.8M+22.6%	$279.6M+63.5%	$171.0M-39.3%	$281.8M+169.9%	$104.4M-74.5%	$409.8M-1.6%	$416.3M+12.1%	$371.2M+165.3%	$139.9M-62.5%	$373.0M+5.0%	$355.1M+623.2%	$49.1M
Net Income	$702.7M	$738.5M-58.5%	$1.8B+38.6%	$1.3B-8.8%	$1.4B+43.4%	$981.0M+23.7%	$793.0M-27.9%	$1.1B+110.2%	$523.4M-47.4%	$994.2M+6.7%	$931.4M+7.4%	$867.1M+115.6%	$402.1M-52.5%	$847.0M-5.3%	$894.4M+214.7%	$284.2M
EPS (Basic)	N/A	$4.28-54.9%	$9.49+45.3%	$6.53-6.8%	$7.01+46.0%	$4.80+23.4%	$3.89-25.9%	$5.25+120.6%	$2.38-45.8%	$4.39+10.9%	$3.96+12.8%	$3.51+123.6%	$1.57-50.9%	$3.20+0.6%	$3.18+238.3%	$0.94
EPS (Diluted)	$4.29	$4.27-54.9%	$9.46+45.5%	$6.50-6.6%	$6.96+45.3%	$4.79+23.1%	$3.89-25.8%	$5.24+120.2%	$2.38-45.5%	$4.37+10.6%	$3.95+12.9%	$3.50+122.9%	$1.57-50.8%	$3.19+0.6%	$3.17+237.2%	$0.94
Diluted Shares (Avg)	N/A	173M-8.1%	188M-4.8%	198M-2.2%	202M-1.3%	205M+0.5%	204M-2.9%	210M-4.6%	220M-3.2%	227M-3.7%	236M-4.8%	248M-3.4%	257M-3.5%	266M-5.6%	282M-7.2%	304M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	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%
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, SG&A Expenses.

UNM Balance Sheet

UNM quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$63.5B+2.5%	$62.0B-2.0%	$63.3B+3.4%	$61.1B-12.8%	$70.1B-0.7%	$70.6B+5.4%	$67.0B+8.3%	$61.9B-3.3%	$64.0B+3.3%	$61.9B+2.3%	$60.6B-3.0%	$62.5B+5.1%	$59.4B-4.6%	$62.2B+4.5%	$59.6B
Cash & Equivalents	$158.2M-2.8%	$162.8M+11.5%	$146.0M+22.5%	$119.2M+58.9%	$75.0M-61.9%	$197.0M+134.2%	$84.1M-10.5%	$94.0M+21.4%	$77.4M-22.9%	$100.4M-11.1%	$112.9M+10.1%	$102.5M+8.9%	$94.1M+21.7%	$77.3M-33.7%	$116.6M
Short-Term Investments	$3.0B+18.7%	$2.5B+57.7%	$1.6B+15.5%	$1.4B+0.5%	$1.4B-5.6%	$1.5B+13.6%	$1.3B+33.7%	$968.1M-16.2%	$1.2B+48.1%	$780.0M-3.4%	$807.3M-17.1%	$974.3M+6.7%	$913.4M-37.5%	$1.5B+2.6%	$1.4B
Accounts Receivable	N/A	N/A	N/A	$32.5M-5.0%	$34.2M-11.9%	$38.8M+276.7%	$10.3M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Investments	$1.7B-1.4%	$1.7B+7.3%	$1.6B+9.7%	$1.4B+19.7%	$1.2B+25.3%	$960.2M+13.7%	$844.2M+20.1%	$702.9M+8.7%	$646.8M+2.4%	$631.5M+8.3%	$583.0M+7.0%	$545.0M-3.7%	$566.0M-9.4%	$625.0M-2.2%	$639.2M
Goodwill	$353.9M+1.4%	$349.1M-0.2%	$349.9M+0.7%	$347.6M-1.3%	$352.2M-0.2%	$353.0M+0.4%	$351.7M+0.4%	$350.3M+3.5%	$338.6M+1.0%	$335.1M+45.1%	$230.9M+16.2%	$198.7M-1.1%	$200.9M-0.4%	$201.7M+0.2%	$201.2M
Total Liabilities	$52.4B+2.7%	$51.0B-4.9%	$53.6B+2.3%	$52.4B-10.7%	$58.7B-1.8%	$59.8B+4.7%	$57.0B+7.1%	$53.3B-2.2%	$54.4B+2.8%	$53.0B+2.1%	$51.9B-3.8%	$53.9B+6.3%	$50.7B-5.4%	$53.6B+4.4%	$51.4B
Long-Term Debt	$3.8B+8.7%	$3.5B+1.0%	$3.4B+0.1%	$3.4B-0.4%	$3.4B+2.9%	$3.3B+14.3%	$2.9B-1.5%	$3.0B+8.5%	$2.7B-8.7%	$3.0B+22.5%	$2.4B-6.8%	$2.6B+0.6%	$2.6B-5.2%	$2.8B+7.2%	$2.6B
Total Equity	$11.1B+1.4%	$11.0B+13.6%	$9.7B+10.5%	$8.7B+44.8%	$6.0B-44.5%	$10.9B+9.1%	$10.0B+15.6%	$8.6B-10.0%	$9.6B+6.8%	$9.0B+3.5%	$8.7B+1.7%	$8.5B-1.4%	$8.6B+0.3%	$8.6B+5.4%	$8.2B
Retained Earnings	$13.3B+3.3%	$12.9B+13.0%	$11.4B-13.0%	$13.1B+9.6%	$12.0B+6.4%	$11.3B+5.0%	$10.7B+8.8%	$9.9B+3.4%	$9.5B+9.1%	$8.7B+9.4%	$8.0B+9.5%	$7.3B-9.4%	$8.1B+9.5%	$7.4B+11.4%	$6.6B

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	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

UNM quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$830.4M	$687.7M-54.6%	$1.5B+25.8%	$1.2B-15.2%	$1.4B+2.2%	$1.4B+195.7%	$469.3M-70.8%	$1.6B+4.6%	$1.5B+32.0%	$1.2B+3.8%	$1.1B-13.2%	$1.3B+5.6%	$1.2B+18.6%	$1.0B-25.2%	$1.4B+15.6%	$1.2B
Depreciation & Amortization	N/A	$123.0M+5.9%	$116.1M+6.7%	$108.8M-1.5%	$110.5M-7.8%	$119.8M+5.5%	$113.6M+3.2%	$110.1M+8.6%	$101.4M-1.9%	$103.4M+1.7%	$101.7M+2.2%	$99.5M+13.2%	$87.9M-82.8%	$509.8M+8.8%	$468.5M+3.0%	$455.0M
Stock-Based Compensation	N/A	$53.6M+12.1%	$47.8M-25.4%	$64.1M+21.6%	$52.7M+48.9%	$35.4M+16.4%	$30.4M+14.3%	$26.6M+1.1%	$26.3M-10.8%	$29.5M+34.7%	$21.9M-8.0%	$23.8M+5.3%	$22.6M-4.2%	$23.6M-2.5%	$24.2M+3.0%	$23.5M
Capital Expenditures	$137.4M	$132.3M+5.3%	$125.7M-6.8%	$134.8M+31.9%	$102.2M-7.3%	$110.3M-7.4%	$119.1M-21.1%	$150.9M+4.7%	$144.1M+36.8%	$105.3M+23.9%	$85.0M-15.2%	$100.2M-12.5%	$114.5M+8.5%	$105.5M+0.1%	$105.4M+7.3%	$98.2M
Free Cash Flow	$693.0M	$555.4M-60.0%	$1.4B+29.9%	$1.1B-18.9%	$1.3B+3.1%	$1.3B+264.7%	$350.2M-75.9%	$1.5B+4.5%	$1.4B+31.5%	$1.1B+2.1%	$1.0B-13.0%	$1.2B+7.5%	$1.1B+19.8%	$926.0M-27.3%	$1.3B+16.3%	$1.1B
Investing Cash Flow	-$828.5M	$548.9Mn/m	-$344.4Mn/m	-$725.9Mn/m	-$955.9Mn/m	-$1.3Bn/m	-$267.7Mn/m	-$1.4Bn/m	-$930.1Mn/m	-$499.3Mn/m	-$715.5Mn/m	-$713.0Mn/m	-$886.6Mn/m	-$419.2Mn/m	-$969.9Mn/m	-$410.3M
Financing Cash Flow	-$997.5M	-$1.2Bn/m	-$1.2Bn/m	-$450.1Mn/m	-$418.6Mn/m	-$168.9Mn/m	-$88.7Mn/m	-$223.0Mn/m	-$589.8Mn/m	-$687.8Mn/m	-$418.6Mn/m	-$568.7Mn/m	-$328.6Mn/m	-$595.5Mn/m	-$449.0Mn/m	-$720.4M
Dividends Paid	$307.5M	$306.2M+3.3%	$296.5M+7.0%	$277.1M+9.0%	$254.2M+6.2%	$239.4M+3.2%	$231.9M+1.2%	$229.2M+6.3%	$215.6M+10.0%	$196.0M+7.3%	$182.6M+4.8%	$174.2M+9.3%	$159.4M+8.8%	$146.5M+9.5%	$133.8M+10.6%	$121.0M
Share Buybacks	$1.1B	$1.0B+3.8%	$972.9M+289.0%	$250.1M+25.0%	$200.1M+300.2%	$50.0Mn/m	$0-100.0%	$400.3M+12.4%	$356.2M-11.3%	$401.8M-0.8%	$405.2M-3.0%	$417.9M+36.6%	$306.0M-3.5%	$317.2M-36.1%	$496.7M-19.9%	$619.9M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	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%	$82.7Mn/m	-$222.5M-556.9%	-$189.3Mn/m	$972.8Mn/m	-$12.1M-168.4%	$48.7Mn/m	-$119.7Mn/m
Financing Cash Flow	$2.5Mn/m	-$389.1Mn/m	-$305.1Mn/m	-$305.8Mn/m	-$363.7Mn/m	-$266.6Mn/m	-$535.1Mn/m	-$239.6Mn/m
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.

UNM quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	12.0%+0.2pp	11.8%-1.1pp	12.9%
Net Margin	5.7%-8.2pp	13.8%+3.4pp	10.4%-1.4pp	11.7%+3.6pp	8.2%+2.1pp	6.0%-3.2pp	9.2%+4.7pp	4.5%-4.3pp	8.8%+0.4pp	8.4%+0.4pp	8.1%+4.3pp	3.8%-4.3pp	8.2%-0.3pp	8.5%+5.7pp	2.8%
Return on Equity	6.6%-9.6pp	16.2%+2.9pp	13.3%-2.8pp	16.1%-0.2pp	16.3%+9.0pp	7.3%-3.7pp	11.0%+5.0pp	6.1%-4.3pp	10.4%0.0pp	10.4%+0.4pp	10.0%+5.3pp	4.7%-5.1pp	9.8%-0.6pp	10.4%+6.9pp	3.5%
Return on Assets	1.2%-1.7pp	2.9%+0.8pp	2.0%-0.3pp	2.3%+0.9pp	1.4%+0.3pp	1.1%-0.5pp	1.6%+0.8pp	0.9%-0.7pp	1.6%+0.1pp	1.5%+0.1pp	1.4%+0.8pp	0.6%-0.8pp	1.4%0.0pp	1.4%+1.0pp	0.5%
Debt-to-Equity	0.340.0x	0.320.0x	0.360.0x	0.39-0.2x	0.57+0.3x	0.310.0x	0.29-0.1x	0.34+0.1x	0.290.0x	0.33+0.1x	0.280.0x	0.310.0x	0.300.0x	0.320.0x	0.31
Liabilities-to-Equity	4.71+0.1x	4.65-0.9x	5.55-0.4x	6.00-3.7x	9.73+4.2x	5.50-0.2x	5.72-0.5x	6.18+0.5x	5.69-0.2x	5.91-0.1x	5.99-0.3x	6.33+0.5x	5.87-0.4x	6.23-0.1x	6.29
Asset Turnover	0.210.0x	0.210.0x	0.200.0x	0.200.0x	0.170.0x	0.190.0x	0.180.0x	0.190.0x	0.180.0x	0.180.0x	0.180.0x	0.170.0x	0.170.0x	0.170.0x	0.17
FCF Margin	4.3%-6.5pp	10.8%+2.2pp	8.6%-2.4pp	11.0%+0.4pp	10.6%+8.0pp	2.7%-9.5pp	12.1%+0.1pp	12.0%+2.6pp	9.4%0.0pp	9.4%-1.7pp	11.1%+0.6pp	10.5%+1.6pp	8.9%-3.2pp	12.1%+1.5pp	10.7%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	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
Liabilities-to-Equity	4.87+0.3x	4.76+0.2x	4.71+0.1x	4.840.0x	4.55-0.4x	4.57-0.5x	4.65-0.9x	4.86-0.4x
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 Group UNM	FY2025	$13.1B	$738.5M	5.7%	$14.3B	43/100
Globe Life Inc. GL	FY2025	$6.0B	$1.2B	19.4%	$12.9B	65/100
Prudential Financial, Inc. PRU	FY2025	$60.8B	$3.6B	5.9%	$40.8B	16/100
Aflac Inc. AFL	FY2025	$17.2B	$3.6B	21.2%	$61.8B	71/100
Manulife Financial Corp. MFC	FY2025	$5.9B	$4.1B	68.5%	$75.5B	29/100
MetLife, Inc. MET	FY2025	$77.1B	$3.4B	4.4%	$65.8B	27/100

Where Unum Group Ranks

Frequently Asked Questions

What is Unum Group's annual revenue?

Unum Group (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 Group's revenue growing?

Unum Group (UNM) revenue grew by 1.5% year-over-year, from $12.9B to $13.1B in fiscal year 2025.

Is Unum Group profitable?

Yes, Unum Group (UNM) reported a net income of $702.7M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $738.5M, with a net profit margin of 5.7%.

How much debt does Unum Group have?

As of fiscal year 2025, Unum Group (UNM) had $158.2M in cash and equivalents against $3.8B in long-term debt.

What is Unum Group's net profit margin?

Unum Group (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 Group pay dividends?

Yes, Unum Group (UNM) paid $1.76 per share in dividends during fiscal year 2025.

What is Unum Group's return on equity (ROE)?

Unum Group (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 Group's free cash flow?

Unum Group (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 Group's operating cash flow?

Unum Group (UNM) generated $687.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Unum Group's total assets?

Unum Group (UNM) had $63.5B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Unum Group's capital expenditures?

Unum Group (UNM) invested $132.3M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Unum Group buy back shares?

Yes, Unum Group (UNM) spent $1.0B on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Unum Group have outstanding?

Unum Group (UNM) had 164M shares outstanding as of fiscal year 2025.

What is Unum Group's debt-to-equity ratio?

Unum Group (UNM) had a debt-to-equity ratio of 0.34 as of fiscal year 2025. We compute it as long-term debt divided by total shareholder equity, where long-term debt is the noncurrent part of the company's borrowings, so debt due within the next twelve months is not counted.

What is Unum Group's liabilities-to-equity ratio?

Unum Group (UNM) had a liabilities-to-equity ratio of 4.71 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity.

What is Unum Group's return on assets (ROA)?

Unum Group (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 Group's P/E ratio?

Unum Group (UNM) trades at 20.3x earnings, its market capitalization divided by $702.7M net income, trailing 12 months to June 30, 2026. The market capitalization is $14.3B as of Oct 23, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Unum Group's price-to-sales ratio?

Unum Group (UNM) trades at 1.1x sales, its market capitalization divided by $13.3B revenue, trailing 12 months to June 30, 2026. The market capitalization is $14.3B as of Oct 23, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Unum Group's Piotroski F-Score?

Unum Group (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.

How financially healthy is Unum Group?

Unum Group (UNM) scores 43 out of 100 on our Financial Health Score, indicating moderate standing within its insurers peer group. The score is the average 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. For Unum Group it averages the 4 of 6 dimensions that can be computed; the others are left out rather than counted as zero. 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.