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

Unum Group (UNMA) 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 Financials

UNMA

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Unum Group (UNMA) 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

Financial Profile 48/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Unum Group's revenue grew a modest 1.5% year-over-year to $13.1B. This slow but positive growth earns a score of 36/100.

Leverage

Unum Group 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 95/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

Unum Group has a free cash flow margin of 4.3%, earning a moderate score of 36/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Unum Group generates a 6.6% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 26/100. This is down from 16.2% the prior year.

Piotroski F-Score Weak

2/9

Unum Group 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.

Earnings Quality Mixed

0.93x

For every $1 of reported earnings, Unum Group 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

Export CSV

Earnings & Revenue

Revenue

$13.1B

YoY+1.5%

5Y CAGR-0.1%

10Y CAGR+2.0%

Unum Group generated $13.1B in revenue in fiscal year 2025. This represents an increase of 1.5% from the prior year.

EBITDA

N/A

Net Income

$738.5M

YoY-58.5%

5Y CAGR-1.4%

10Y CAGR-1.6%

Unum Group reported $738.5M in net income in fiscal year 2025. This represents a decrease of 58.5% from the prior year.

EPS (Diluted)

$4.27

YoY-54.9%

5Y CAGR+1.9%

10Y CAGR+2.0%

Unum Group earned $4.27 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 54.9% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$555.4M

YoY-60.0%

5Y CAGR+9.7%

10Y CAGR-7.4%

Unum Group 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.

Cash & Debt

$158.2M

YoY-2.8%

5Y CAGR-4.3%

10Y CAGR+3.4%

Unum Group held $158.2M in cash against $3.8B in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.76

YoY+12.1%

5Y CAGR+9.1%

Unum Group paid $1.76 per share in dividends in fiscal year 2025. This represents an increase of 12.1% from the prior year.

Shares Outstanding

164M

5Y CAGR-4.3%

Unum Group had 164M shares outstanding in fiscal year 2025.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

5.7%

YoY-8.2pp

5Y CAGR-0.4pp

10Y CAGR-2.4pp

Unum Group'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.

Return on Equity

6.6%

YoY-9.6pp

5Y CAGR-0.7pp

10Y CAGR-3.4pp

Unum Group'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.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$1.0B

YoY+3.8%

10Y CAGR+9.2%

Unum Group 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.

Capital Expenditures

$132.3M

YoY+5.3%

5Y CAGR+2.1%

10Y CAGR+2.8%

Unum Group 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.

UNMA Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$13.1B+1.5%	$12.9B+4.0%	$12.4B+3.4%	$12.0B-0.2%	$12.0B-8.8%	$13.2B
Cost of Revenue	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
R&D Expenses	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
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$208.8M+3.8%	$201.1M+3.2%	$194.8M+3.3%	$188.5M+1.9%	$185.0M-1.7%	$188.2M
Income Tax	$195.0M-58.7%	$472.2M+32.5%	$356.3M+3.9%	$342.8M+22.6%	$279.6M+63.5%	$171.0M
Net Income	$738.5M-58.5%	$1.8B+38.6%	$1.3B-8.8%	$1.4B+43.4%	$981.0M+23.7%	$793.0M
EPS (Diluted)	$4.27-54.9%	$9.46+45.5%	$6.50-6.6%	$6.96+45.3%	$4.79+23.1%	$3.89

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	N/A	N/A	N/A	$501.8M	N/A	N/A
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)	N/A	$0.23-88.0%	$1.92+81.1%	$1.06	N/A	$3.46+68.8%	$2.05+0.5%	$2.04

UNMA Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$63.5B+2.5%	$62.0B-2.0%	$63.3B+3.4%	$61.1B-12.8%	$70.1B-0.7%	$70.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$158.2M-2.8%	$162.8M+11.5%	$146.0M+22.5%	$119.2M+58.9%	$75.0M-61.9%	$197.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	$32.5M-5.0%	$34.2M-11.9%	$38.8M
Goodwill	$353.9M+1.4%	$349.1M-0.2%	$349.9M+0.7%	$347.6M-1.3%	$352.2M-0.2%	$353.0M
Total Liabilities	$52.4B+2.7%	$51.0B-4.9%	$53.6B+2.3%	$52.4B-10.7%	$58.7B-1.8%	$59.8B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
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
Total Equity	$11.1B+1.4%	$11.0B+13.6%	$9.7B+10.5%	$8.7B+44.8%	$6.0B-44.5%	$10.9B
Retained Earnings	$13.3B+3.3%	$12.9B+13.0%	$11.4B-13.0%	$13.1B+9.6%	$12.0B+6.4%	$11.3B

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	N/A	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

UNMA Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$687.7M-54.6%	$1.5B+25.8%	$1.2B-15.2%	$1.4B+2.2%	$1.4B+195.7%	$469.3M
Capital Expenditures	$132.3M+5.3%	$125.7M-6.8%	$134.8M+31.9%	$102.2M-7.3%	$110.3M-7.4%	$119.1M
Free Cash Flow	$555.4M-60.0%	$1.4B+29.9%	$1.1B-18.9%	$1.3B+3.1%	$1.3B+264.7%	$350.2M
Investing Cash Flow	$548.9M+259.4%	-$344.4M+52.6%	-$725.9M+24.1%	-$955.9M+28.7%	-$1.3B-400.8%	-$267.7M
Financing Cash Flow	-$1.2B-7.7%	-$1.2B-155.9%	-$450.1M-7.5%	-$418.6M-147.8%	-$168.9M-90.4%	-$88.7M
Dividends Paid	$306.2M+3.3%	$296.5M+7.0%	$277.1M+9.0%	$254.2M+6.2%	$239.4M+3.2%	$231.9M
Share Buybacks	$1.0B+3.8%	$972.9M+289.0%	$250.1M+25.0%	$200.1M+300.2%	$50.0M	$0

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

UNMA Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	5.7%-8.2pp	13.8%+3.4pp	10.4%-1.4pp	11.7%+3.6pp	8.2%+2.1pp	6.0%
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%
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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.34+0.0	0.32-0.0	0.36-0.0	0.39-0.2	0.57+0.3	0.31
FCF Margin	4.3%-6.5pp	10.8%+2.2pp	8.6%-2.4pp	11.0%+0.4pp	10.6%+8.0pp	2.7%

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	N/A	N/A	N/A	15.6%	N/A	N/A
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%

Frequently Asked Questions

What is Unum Group's annual revenue?

Unum Group (UNMA) 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 (UNMA) 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 (UNMA) reported a net income of $738.5M in fiscal year 2025, with a net profit margin of 5.7%.

How much debt does Unum Group have?

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

What is Unum Group's net profit margin?

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

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

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

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

Unum Group (UNMA) 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 Group's return on assets (ROA)?

Unum Group (UNMA) 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 Piotroski F-Score?

Unum Group (UNMA) 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 Group's earnings high quality?

Unum Group (UNMA) 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 Group?

Unum Group (UNMA) scores 48 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.