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UNMUnum Group
$89.98$14.5B
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UNM logoUnum Group(UNM)Earnings, Financials & Key Ratios

UNM•NYSE•Insurance & Managed Care
21.0× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryLife InsuranceSub-IndustryGroup and voluntary benefits insurers
AboutUnum Group, together with its subsidiaries, provides financial protection benefit solutions primarily in the United States, the United Kingdom, and Poland. It operates through Unum US, Unum International, Colonial Life, and Closed Block segments. The company offers group long-term and short-term disability, group life, and accidental death and dismemberment products; supplemental and voluntary products, such as individual disability, voluntary benefits, and dental and vision products; and accident, sickness, disability, life, and cancer and critical illness products. It also provides group pension, individual life and corporate-owned life insurance, reinsurance pools and management operations, and other products. The company sells its products primarily to employers for the benefit of employees. Unum Group sells its products through field sales personnel, independent brokers, consultants, and independent contractor agency sales force. The company was founded in 1848 and is based in Chattanooga, Tennessee.Show more
  • Revenue$13.05B+2.1%
  • Combined Ratio92.85%+12.7%
  • Net Income$739M-58.5%
  • Return on Equity6.69%-61.2%
  • Medical Cost Ratio61.78%-1.8%
  • Operating Margin7.15%-59.4%
  • Net Margin5.66%-59.3%
  • ROA1.17%-58.6%
  • Equity / Assets17.35%-1.3%

UNM Key Insights

Unum Group (UNM) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Profitable underwriting: 92.8% combined ratio
  • ✓17 consecutive years of dividend growth
  • ✓Share count reduced 8.1% through buybacks
  • ✓Trading near 52-week high
  • ✓Trading at only 1.4x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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UNM Price & Volume

Unum Group (UNM) stock price & volume — 10-year historical chart

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UNM Growth Metrics

Unum Group (UNM) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years1.98%
5 Years-0.14%
3 Years3.21%
TTM4.84%

Profit CAGR

10 Years-1.59%
5 Years-1.41%
3 Years-19.34%
TTM-50.32%

EPS CAGR

10 Years2.03%
5 Years1.93%
3 Years-14.96%
TTM-45.82%

Return on Capital

10 Years2.1%
5 Years2.43%
3 Years2.57%
Last Year1.48%

UNM Recent Earnings

Unum Group (UNM) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 6/12 qtrs (50%)●Beat Revenue 6/12 qtrs (50%)
Q2 2026Latest
Apr 28, 2026
Metric
Actual
Est
EPS
$2.14+3.4%
$2.07
Rev
$3.4B+15.1%
$2.9B
Q1 2026
Feb 5, 2026
Metric
Actual
Est
EPS
$1.92-9.0%
$2.11
Rev
$3.2B-1.3%
$3.3B
Q4 2025
Nov 3, 2025
Metric
Actual
Est
EPS
$2.09-2.8%
$2.15
Rev
$3.4B+0.9%
$3.3B
Q3 2025
Jul 29, 2025
Metric
Actual
Est
EPS
$2.07-7.2%
$2.23
Rev
$3.4B+0.9%
$3.3B
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 28, 2026
$2.14vs $2.07+3.4%
$3.4Bvs $2.9B+15.1%
Q1 2026Feb 5, 2026
$1.92vs $2.11-9.0%
$3.2Bvs $3.3B-1.3%
Q4 2025Nov 3, 2025
$2.09vs $2.15-2.8%
$3.4Bvs $3.3B+0.9%
Q3 2025Jul 29, 2025
$2.07vs $2.23-7.2%
$3.4Bvs $3.3B+0.9%
Based on last 12 quarters of dataView full earnings history →

UNM Peer Comparison

Unum Group (UNM) competitors in Group and voluntary benefits insurers — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
MET logoMETMetLife, Inc.Direct Competitor55.8B85.5817.8310.22%4.7%12.72%0.70
PRU logoPRUPrudential Financial, Inc.Direct Competitor37.05B106.5310.42-14.01%5.62%10.26%0.65
LNC logoLNCLincoln National CorporationDirect Competitor7.11B37.176.361.24%9.14%16.79%0.59
GNW logoGNWGenworth Financial, Inc.Direct Competitor3.45B8.9516.57-10.86%3.62%2.54%0.15
PFG logoPFGPrincipal Financial Group, Inc.Direct Competitor23.74B109.5720.87-3.11%7.58%9.89%0.34
AFL logoAFLAflac IncorporatedProduct Competitor59.49B115.4716.91-8.84%21%13.05%0.29
CNO logoCNOCNO Financial Group, Inc.Product Competitor4.76B50.8321.630.94%4.94%8.6%1.54
GL logoGLGlobe Life Inc.Product Competitor13.4B170.7612.153.82%19.36%20.64%0.44

Compare UNM vs Peers

Unum Group (UNM) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs MET

Most directly comparable listed peer for UNM.

Scale Benchmark

vs UNH

Larger-name benchmark to compare UNM against a more recognizable public peer.

Peer Set

Compare Top 5

vs MET, PRU, LNC, GNW

UNM Income Statement

Unum Group (UNM) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Revenue
11.29B11.6B11.99B13.15B11.84B11.88B12.31B12.79B13.05B13.3B
Revenue Growth %
2.18%2.76%3.4%9.63%-9.96%0.32%3.65%3.91%2.07%4.84%
Medical Costs & Claims
8.02B9.03B8.57B10.06B8.52B7.95B8.28B8.05B8.07B8.79B
Medical Cost Ratio %
71.02%77.82%71.46%76.52%71.98%66.91%67.24%62.91%61.78%66.11%
Gross Profit
3.27B▲ 0%
2.57B▼ 21.4%
3.42B▲ 33.0%
3.09B▼ 9.8%
3.32B▲ 7.5%
3.93B▲ 18.5%
4.03B▲ 2.6%
4.74B▲ 17.7%
4.99B▲ 5.2%
4.51B▲ 0%
Gross Margin %
28.98%22.18%28.54%23.48%28.02%33.09%32.76%37.09%38.22%33.89%
Gross Profit Growth %
2.95%-21.37%33.05%-9.8%7.47%18.46%2.61%17.65%5.16%-
Operating Expenses
1.87B1.94B2.04B2.12B2.06B2.18B2.39B2.49B4.06B3.52B
OpEx / Revenue %
16.54%16.76%17.01%16.15%17.37%18.36%19.44%19.49%31.07%26.43%
Depreciation & Amortization
103.4M101.4M110.1M113.6M119.8M110.5M108.8M116.1M123M93M
Combined Ratio %
87.56%94.59%88.48%92.67%89.35%85.26%86.68%82.4%92.85%92.54%
Operating Income
1.4B▲ 0%
627.8M▼ 55.3%
1.38B▲ 120.1%
964M▼ 30.3%
1.26B▲ 30.8%
1.75B▲ 38.8%
1.64B▼ 6.3%
2.25B▲ 37.3%
933.5M▼ 58.5%
992.6M▲ 0%
Operating Margin %
12.44%5.41%11.52%7.33%10.65%14.74%13.32%17.6%7.15%7.46%
Operating Income Growth %
4.18%-55.28%120.15%-30.25%30.77%38.82%-6.28%37.27%-58.54%-
EBITDA
1.51B729.2M1.49B1.08B1.38B1.86B1.75B2.37B1.06B1.09B
EBITDA Margin %
13.36%6.29%12.44%8.2%11.66%15.67%14.21%18.51%8.09%8.16%
Interest Expense
159.9M167.3M177.4M188.2M185M188.5M194.8M201.1M208.8M209.9M
Non-Operating Income
-159.9M-167.3M-177.4M-188.2M-185M-188.5M-194.8M-201.1M-208.8M-156.8M
Pretax Income
1.4B▲ 0%
627.8M▼ 55.3%
1.38B▲ 120.1%
964M▼ 30.3%
1.26B▲ 30.8%
1.75B▲ 38.8%
1.64B▼ 6.3%
2.25B▲ 37.3%
933.5M▼ 58.5%
992.6M▲ 0%
Pretax Margin %
12.44%5.41%11.52%7.33%10.65%14.74%13.32%17.6%7.15%7.46%
Income Tax
409.8M104.4M281.8M171M279.6M342.8M356.3M472.2M195M211.2M
Effective Tax Rate %
29.19%16.63%20.39%17.74%22.18%19.59%21.72%20.97%20.89%21.28%
Net Income
994.2M▲ 0%
523.4M▼ 47.4%
1.1B▲ 110.2%
793M▼ 27.9%
981M▲ 23.7%
1.41B▲ 43.4%
1.28B▼ 8.8%
1.78B▲ 38.6%
738.5M▼ 58.5%
781.4M▲ 0%
Net Margin %
8.81%4.51%9.17%6.03%8.29%11.85%10.43%13.91%5.66%5.87%
Net Income Growth %
6.74%-47.35%110.22%-27.93%23.71%43.45%-8.77%38.58%-58.49%-50.32%
EPS (Diluted)
4.37▲ 0%
2.38▼ 45.5%
5.24▲ 120.2%
3.89▼ 25.8%
4.02▲ 3.3%
6.96▲ 73.1%
6.50▼ 6.6%
9.46▲ 45.5%
4.28▼ 54.8%
4.75▲ 0%
EPS Growth %
10.63%-45.54%120.17%-25.76%3.34%73.13%-6.61%45.54%-54.76%-45.82%
EPS (Basic)
4.392.385.253.894.047.016.539.494.28-
Diluted Shares Outstanding
227.3M220.1M209.85M203.76M204.85M202.11M197.6M188.07M172.92M164.4M

UNM Balance Sheet

Unum Group (UNM) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Total Assets
65.1B62.61B68.36B72.16B71.23B61.53B63.61B62.35B64.09B0
Asset Growth %
2.43%-3.82%9.18%5.56%-1.3%-13.62%3.39%-1.97%2.79%-96.64%
Total Investment Assets
53.04B50.71B55.76B52.68B52.15B43.71B45.96B45.71B43.52B3M
Long-Term Investments
53.04B50.71B55.76B52.68B52.15B43.71B45.96B45.71B43.52B132.4B
Short-Term Investments
0000000000
Total Current Assets
1.74B1.71B1.69B1.72B1.59B1.6B1.69B1.62B1.59B0
Cash & Equivalents
77.4M94M84.1M197M75M119.2M146M162.8M158.2M0
Receivables
1.67B1.62B1.6B1.52B1.52B1.48B1.54B1.46B1.43B4.47B
Other Current Assets
0000000000
Goodwill & Intangibles
338.6M350.3M351.7M353M352.2M347.6M349.9M349.1M353.9M1.06B
Goodwill
338.6M350.3M351.7M353M352.2M347.6M349.9M349.1M353.9M0
Intangible Assets
0000000000
PP&E (Net)
504.8M546.9M642.7M580.9M511.8M489.4M521.1M532.7M503.7M0
Other Assets
8.38B8.45B8.57B15.29B15.51B14.41B14.08B13.38B17.42B0
Total Liabilities
55.53B53.99B58.4B61.29B59.81B52.79B53.96B51.39B52.98B51.82B
Total Debt
2.94B2.97B3.53B3.53B3.58B3.43B3.54B3.86B3.9B3.76B
Net Debt
2.86B2.88B3.45B3.34B3.51B3.31B3.39B3.7B3.74B3.76B
Long-Term Debt
2.74B2.97B3.02B3.43B3.5B3.43B3.47B3.52B3.82B3.76B
Short-Term Debt
199.9M0426.3M25.4M22.6M2M19.2M292M22.4M0
Total Current Liabilities
573M363.3M790.2M374.7M370.1M367.5M399.4M676M087.6M
Accounts Payable
0000000000
Deferred Revenue
373.1M363.3M363.9M349.3M347.5M365.5M380.2M384M00
Other Current Liabilities
00000000-22.4M87.6M
Deferred Taxes
1000K1000K1000K1000K1000K1000K1000K1000K1000K729.6M
Other Liabilities
50.91B49.91B53.05B55.45B54.3B48.59B49.65B46.72B48.34B47.93B
Total Equity
9.57B▲ 0%
8.62B▼ 10.0%
9.96B▲ 15.6%
10.87B▲ 9.1%
11.42B▲ 5.0%
8.73B▼ 23.5%
9.65B▲ 10.5%
10.96B▲ 13.6%
11.12B▲ 1.4%
10.89B▲ 0%
Equity Growth %
6.77%-9.95%15.58%9.09%5.02%-23.49%10.49%13.57%1.44%6.36%
Shareholders Equity
9.57B8.62B9.96B10.87B11.42B8.73B9.65B10.96B11.12B10.89B
Minority Interest
0000000000
Retained Earnings
9.54B9.86B10.73B11.27B11.85B13.14B11.43B12.91B13.35B13.5B
Common Stock
30.5M30.5M30.6M30.7M30.7M30.8M19.4M19.5M19.6M0
Accumulated OCI
127.5M-814.2M37.3M374.2M354.1M-3.45B-3.31B-2.52B-1.81B-1.8B
Return on Equity (ROE)
10.72%5.75%11.84%7.61%8.8%13.97%13.96%17.26%6.69%7.07%
Return on Assets (ROA)
1.55%0.82%1.68%1.13%1.37%2.12%2.05%2.82%1.17%1.64%
Equity / Assets
14.71%13.77%14.58%15.06%16.03%14.2%15.17%17.58%17.35%-
Debt / Equity
0.31x0.34x0.35x0.32x0.31x0.39x0.37x0.35x0.35x0.35x
Book Value per Share
42.1239.1747.4953.3555.7343.2248.8458.2864.3066.26
Tangible BV per Share
40.6337.5845.8151.6254.0141.5047.0756.4362.2566.26

UNM Cash Flow Statement

Unum Group (UNM) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations
1.15B1.54B1.74B597.5M1.39B1.42B1.2B1.51B687.7M674.9M
Operating CF Growth %
2.98%33.68%13.35%-65.69%132.22%2.25%-15.22%25.81%-54.55%-222.66%
Operating CF / Revenue %
10.18%13.25%14.52%4.54%11.72%11.95%9.77%11.83%5.27%5.07%
Net Income
994.2M523.4M1.1B793M824.2M1.31B1.28B1.78B738.5M781.4M
Depreciation & Amortization
103.4M101.4M110.1M113.6M119.8M110.5M108.8M116.1M123M124.8M
Stock-Based Compensation
29.5M26.3M26.6M30.4M35.4M52.7M0000
Deferred Taxes
00-26.6M-30.4M-35.4M-52.7M0000
Other Non-Cash Items
-187.3M-164.1M-133.2M-2.32B-693.3M-151.4M-160.2M-159.8M-850.2M-317.9M
Working Capital Changes
253.8M1.08B664.4M2.01B1.14B145.4M-29.6M-222.2M676.4M86.6M
Cash from Investing
-484.6M-930.1M-1.39B-267.7M-1.34B-955.9M-725.9M-344.4M548.9M643.7M
Capital Expenditures
-105.3M-144.1M-150.9M-119.1M-110.3M-102.2M-134.8M-125.7M-132.3M-136.1M
Acquisitions
-2.55B-145.4M00000000
Purchase of Investments
-3.65B-4.75B-4.59B-3.74B-4.71B-3.34B-3.49B-3.16B-3.11B-4.06B
Sale/Maturity of Investments
3.27B3.91B3.72B3.28B3.53B2.54B3B2.69B3.46B3.05B
Other Investing
2.55B200.5M-371.4M314.5M-50.7M-50.8M-98.3M251.8M330.9M1.79B
Cash from Financing
-687.8M-589.8M-358M-216.9M-168.9M-418.6M-450.1M-1.15B-1.24B-1.36B
Dividends Paid
-196M-215.6M-229.2M-231.9M-239.4M-254.2M-277.1M-296.5M-306.2M-307.3M
Share Repurchases
-401.8M-356.2M-400.3M0-50M-200.1M-250.1M-972.9M-1.01B-1.21B
Stock Issued
10.8M4.6M6.1M4.4M3.4M4M5.2M6M5.1M6.7M
Debt Issuance (Net)
-1000K1000K1000K1000K1000K-1000K-1000K1000K1000K1000K
Other Financing
-37.3M-48.7M-57.5M-3.5M91.8M46.5M73.9M69.8M49.2M-272.7M
Net Change in Cash
-23M▲ 0%
16.6M▲ 172.2%
-9.9M▼ 159.6%
112.9M▲ 1240.4%
-122M▼ 208.1%
44.2M▲ 136.2%
26.8M▼ 39.4%
16.8M▼ 37.3%
-4.6M▼ 127.4%
-45.1M▲ 0%
Exchange Rate Effect
0000000000
Cash at Beginning
100.4M77.4M94M84.1M197M75M119.2M146M162.8M158.2M
Cash at End
77.4M94M84.1M197M75M119.2M146M162.8M158.2M192.6M
Free Cash Flow
1.04B▲ 0%
1.39B▲ 33.4%
1.59B▲ 14.2%
478.4M▼ 69.9%
1.28B▲ 167.0%
1.32B▲ 3.1%
1.07B▼ 18.9%
1.39B▲ 29.9%
555.4M▼ 60.0%
538.8M▲ 0%
FCF Growth %
1.26%33.36%14.24%-69.93%166.97%3.08%-18.88%29.92%-59.97%-62.46%
FCF Margin %
9.25%12.01%13.26%3.64%10.79%11.09%8.68%10.85%4.25%4.05%
FCF per Share
4.596.337.582.356.236.515.47.383.213.28

UNM Key Ratios

Unum Group (UNM) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
Combined Ratio
87.56%94.59%88.48%92.67%89.35%85.26%86.68%82.4%92.85%92.54%
Medical Cost Ratio
71.02%77.82%71.46%76.52%71.98%66.91%67.24%62.91%61.78%66.11%
Return on Equity (ROE)
10.72%5.75%11.84%7.61%8.8%13.97%13.96%17.26%6.69%7.07%
Return on Assets (ROA)
1.55%0.82%1.68%1.13%1.37%2.12%2.05%2.82%1.17%1.64%
Equity / Assets
14.71%13.77%14.58%15.06%16.03%14.2%15.17%17.58%17.35%-
Book Value / Share
42.1239.1747.4953.3555.7343.2248.8458.2864.366.26
Debt / Equity
0.31x0.34x0.35x0.32x0.31x0.39x0.37x0.35x0.35x0.35x
Revenue Growth
2.18%2.76%3.4%9.63%-9.96%0.32%3.65%3.91%2.07%4.84%
Related:UNM Dividend History·UNM Revenue History·UNM Price History·UNM P/E History·UNM Financial Ratios·UNM Institutional Holders

UNM SEC Filings & Documents

Unum Group (UNM) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 28, 2026·SEC

Material company update

Mar 6, 2026·SEC

Material company update

Feb 5, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 17, 2026·SEC

FY 2025

Feb 27, 2025·SEC

FY 2024

Feb 20, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Apr 29, 2026·SEC

FY 2025

Nov 4, 2025·SEC

FY 2025

Jul 30, 2025·SEC

UNM Frequently Asked Questions

Unum Group (UNM) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Unum Group (UNM) grew revenue by 2.1% over the past year. Growth has been modest.

Yes, Unum Group (UNM) is profitable, generating $781.4M in net income for fiscal year 2025 (5.7% net margin).

Dividend & Returns

Yes, Unum Group (UNM) pays a dividend with a yield of 1.97%. This makes it attractive for income-focused investors.

Unum Group (UNM) has a return on equity (ROE) of 6.7%. This is below average, suggesting room for improvement.

Industry Metrics

Unum Group (UNM) has a combined ratio of 92.8%. A ratio below 100% indicates underwriting profitability.

What if you invested $1,000 in UNM back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

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How much would $100/month in UNM be worth today?

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