Last 48 quarters of trend data · Financial Services · Insurance - Life
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Unum Group's quarterly P/E stands at 12.9x, down 32.6% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 21.2% YoY to 13.0x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 21.02 | 12.95 | 18.63 | 84.54 | 10.52 | 19.21 | 9.51 | 4.29 | 6.23 | 6.58 | 6.69 | 12.06 | 6.02 |
| — | -32.6% | +95.9% | +1868.5% | +68.7% | +192.2% | +42.2% | -64.4% | +3.5% | +19.7% | -9.4% | +214.5% | +28.2% | |
| P/S Ratio | 1.11 | 0.89 | 1.00 | 0.99 | 1.05 | 1.18 | 1.04 | 0.87 | 0.76 | 0.82 | 0.71 | 0.79 | 0.76 |
| — | -24.4% | -3.0% | +13.9% | +38.7% | +45.2% | +46.4% | +9.8% | -0.7% | +24.9% | +2.7% | +19.0% | +32.5% | |
| P/B Ratio | 1.40 | 1.10 | 1.17 | 1.22 | 1.24 | 1.30 | 1.21 | 1.01 | 0.93 | 1.01 | 0.92 | 1.01 | 1.02 |
| — | -15.2% | -3.2% | +19.9% | +33.9% | +28.0% | +32.1% | +0.6% | -9.1% | +18.9% | -2.9% | +11.6% | +44.1% | |
| P/FCF | 26.16 | 9.97 | 10.17 | — | 11.00 | 11.46 | 7.31 | 7.88 | 7.81 | 9.60 | 7.42 | 6.69 | 8.25 |
| — | -13.1% | +39.2% | — | +40.9% | +19.4% | -1.5% | +17.8% | -5.3% | -40.9% | +17.2% | -14.2% | +109.0% | |
| EV / EBITDA | 17.30 | 13.02 | 16.79 | 48.45 | 9.30 | 16.52 | 8.99 | 3.93 | 6.23 | 6.43 | 6.70 | 11.18 | 6.09 |
| — | -21.2% | +86.8% | +1132.8% | +49.4% | +156.9% | +34.3% | -64.9% | +2.2% | +9.8% | -10.1% | +169.1% | +11.5% | |
| EV / EBIT | 19.58 | 13.02 | 15.47 | 39.10 | 8.87 | 15.29 | 8.52 | 4.17 | 5.99 | 6.20 | 6.40 | 10.44 | 5.83 |
| — | -14.8% | +81.6% | +837.1% | +48.1% | +146.5% | +33.1% | -60.1% | +2.6% | +10.6% | -9.6% | +158.9% | +11.6% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Unum Group's operating margin was 9.0% in Q1 2026, up 2.3 pp QoQ and up 1.1 pp YoY. This marks the 3rd consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 7.5% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 36.1% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 38.2% | 40.3% | 41.6% | 22.0% | 31.9% | 29.6% | 32.9% | 97.0% | 34.7% | 35.3% | 33.5% | 27.9% | 35.4% |
| — | +36.1% | +26.5% | -77.3% | -8.1% | -16.2% | -1.7% | +247.6% | -2.0% | +3.1% | +3.8% | -32.1% | +12.2% | |
| Operating Margin | 7.2% | 9.0% | 6.7% | 1.6% | 12.5% | 7.9% | 13.9% | 27.7% | 15.5% | 15.6% | 13.7% | 8.5% | 16.1% |
| — | +14.0% | -51.6% | -94.1% | -19.4% | -49.2% | +1.4% | +224.6% | -4.0% | +4.4% | +13.7% | -60.8% | +9.6% | |
| Net Margin | 5.7% | 6.9% | 5.4% | 1.2% | 10.0% | 6.1% | 10.9% | 20.2% | 12.2% | 12.4% | 10.6% | 6.6% | 12.7% |
| — | +12.5% | -50.7% | -94.1% | -17.5% | -50.5% | +2.9% | +206.4% | -4.3% | +4.8% | +13.2% | -62.0% | +3.3% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 6.7% | 2.1% | 1.6% | 0.4% | 3.0% | 1.7% | 3.2% | 6.0% | 3.8% | 4.0% | 3.4% | 2.1% | 4.2% |
| — | +23.6% | -50.3% | -94.1% | -20.9% | -57.1% | -7.2% | +181.6% | -11.4% | -0.2% | +6.7% | -61.5% | +17.6% | |
| ROA | 1.2% | — | 0.3% | 0.1% | 0.5% | 0.3% | 0.6% | 1.0% | 0.6% | 0.6% | 0.5% | 0.3% | 0.6% |
| — | — | -50.6% | -93.9% | -14.4% | -51.7% | +3.0% | +208.7% | -1.0% | +8.4% | +17.1% | -59.7% | +11.5% | |
| ROIC | 4.7% | 1.5% | 1.1% | 0.3% | 2.2% | 1.2% | 2.3% | 4.7% | 2.7% | 2.8% | 2.5% | 1.5% | 3.0% |
| — | +23.7% | -51.4% | -93.9% | -20.0% | -55.8% | -6.8% | +207.2% | -8.1% | +2.3% | +9.9% | -60.0% | +21.8% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Unum Group's Debt/EBITDA ratio is 12.4x, down from 15.6x last quarter — elevated, raising questions about debt serviceability.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.35 | 0.35 | 0.35 | 0.34 | 0.33 | 0.33 | 0.35 | 0.32 | 0.33 | 0.34 | 0.37 | 0.36 | 0.37 |
| — | +3.5% | -0.4% | +8.4% | -0.3% | -0.6% | -3.9% | -11.2% | -10.6% | -9.5% | -6.7% | -9.9% | +4.6% | |
| Debt / EBITDA | 3.69 | 12.43 | 15.64 | 43.50 | 8.37 | 13.68 | 8.19 | 3.78 | 6.61 | 6.53 | 7.75 | 11.84 | 6.54 |
| — | -9.1% | +91.0% | +1049.5% | +26.6% | +109.6% | +5.7% | -68.0% | +1.1% | -9.1% | -12.4% | +130.8% | -11.5% | |
| Current Ratio | — | — | — | 2.33 | 3.42 | 2.39 | 2.40 | 3.50 | 3.40 | 3.98 | 4.23 | 3.73 | 3.45 |
| — | — | — | -33.2% | +0.4% | -39.9% | -43.3% | -6.2% | -1.4% | +7.5% | -2.9% | -9.3% | -12.1% | |
| Quick Ratio | — | — | — | 2.33 | 3.42 | 2.39 | 2.40 | 3.50 | 3.40 | 3.98 | 4.23 | 3.73 | 3.45 |
| — | — | — | -33.2% | +0.4% | -39.9% | -43.3% | -6.2% | -1.4% | +7.5% | -2.9% | -9.3% | -12.1% | |
| Interest Coverage | 5.47 | 5.70 | 5.15 | 2.04 | 9.02 | 5.68 | 9.49 | 17.56 | 10.93 | 11.01 | 9.71 | 6.38 | 11.19 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
Deep dive into UNM consensus models and risk factors.
DCF models, multiple analysis, and analyst estimates.
10-year return with dividends reinvested.
See how regular investing compounds over time.
Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying UNM stock.
Unum Group's current P/E is 21.0x. The average P/E over the last 4 quarters is 31.7x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Unum Group's current operating margin is 7.2%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Unum Group's business trajectory between earnings reports.