Last 48 quarters of trend data · Financial Services · Life & Annuity Insurers
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 50.03 | — | 13.88 | 12.95 | 18.63 | 84.54 | 10.52 | 19.21 | 9.51 | 4.29 | 6.23 | 6.58 | 6.69 | 12.06 | 6.02 | 5.49 | 7.38 | 3.83 | 4.70 | 6.68 | 7.88 |
| — | — | +32.0% | -32.6% | +95.9% | +1868.5% | +68.7% | +192.2% | +42.2% | -64.4% | +3.5% | +19.7% | -9.4% | +214.5% | +28.2% | -17.7% | -6.3% | -2.1% | -41.1% | -28.0% | -9.4% | |
| P/S Ratio | 0.98 | 1.37 | 1.09 | 0.89 | 1.00 | 0.99 | 1.05 | 1.18 | 1.04 | 0.87 | 0.76 | 0.82 | 0.71 | 0.79 | 0.76 | 0.65 | 0.69 | 0.66 | 0.58 | 0.54 | 0.43 |
| — | +38.2% | +3.2% | -24.4% | -3.0% | +13.9% | +38.7% | +45.2% | +46.4% | +9.8% | -0.7% | +24.9% | +2.7% | +19.0% | +32.5% | +20.2% | +61.3% | +51.4% | +18.4% | +16.0% | +53.6% | |
| P/B Ratio | 1.19 | 1.29 | 1.32 | 1.10 | 1.17 | 1.22 | 1.24 | 1.30 | 1.21 | 1.01 | 0.93 | 1.01 | 0.92 | 1.01 | 1.02 | 0.85 | 0.94 | 0.90 | 0.71 | 0.60 | 0.44 |
| — | +6.3% | +6.4% | -15.2% | -3.2% | +19.9% | +33.9% | +28.0% | +32.1% | +0.6% | -9.1% | +18.9% | -2.9% | +11.6% | +44.1% | +41.4% | +114.7% | +95.5% | +33.3% | +12.0% | +2.1% | |
| P/FCF | 7.48 | 6.57 | 7.54 | 9.97 | 10.17 | — | 11.00 | 11.46 | 7.31 | 7.88 | 7.81 | 9.60 | 7.42 | 6.69 | 8.25 | 16.24 | 6.33 | 7.80 | 3.95 | 5.27 | 3.48 |
| — | — | -31.5% | -13.1% | +39.2% | — | +40.9% | +19.4% | -1.5% | +17.8% | -5.3% | -40.9% | +17.2% | -14.2% | +109.0% | +208.0% | +81.8% | +161.2% | +84.0% | — | — | |
| EV / EBITDA | 31.61 | — | 11.75 | 11.64 | 16.79 | 48.45 | 9.30 | 16.52 | 8.99 | 3.93 | 6.23 | 6.43 | 6.70 | 11.18 | 6.09 | 5.86 | 7.45 | 4.16 | 5.46 | 7.48 | 9.63 |
| — | — | +26.4% | -29.5% | +86.8% | +1132.8% | +49.4% | +156.9% | +34.3% | -64.9% | +2.2% | +9.8% | -10.1% | +169.1% | +11.5% | -21.7% | -22.6% | -13.5% | -30.1% | -19.5% | -26.7% | |
| EV / EBIT | 17.03 | — | 11.67 | 10.94 | 15.47 | 39.10 | 8.87 | 15.29 | 8.52 | 4.17 | 5.99 | 6.20 | 6.40 | 10.44 | 5.83 | 5.61 | 7.08 | 4.03 | 5.23 | 7.11 | 8.80 |
| — | — | +31.6% | -28.4% | +81.6% | +837.1% | +48.1% | +146.5% | +33.1% | -60.1% | +2.6% | +10.6% | -9.6% | +158.9% | +11.6% | -21.2% | -19.6% | -13.3% | -29.6% | -18.4% | -25.2% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 38.2% | 18.6% | 39.2% | 40.3% | 41.6% | 22.0% | 31.9% | 29.6% | 32.9% | 97.0% | 34.7% | 35.3% | 33.5% | 27.9% | 35.4% | 34.2% | 32.2% | 41.1% | 31.6% | 27.2% | 24.2% |
| — | -15.6% | +22.7% | +36.1% | +26.5% | -77.3% | -8.1% | -16.2% | -1.7% | +247.6% | -2.0% | +3.1% | +3.8% | -32.1% | +12.2% | +25.8% | +33.1% | +32.4% | +8.3% | +18.9% | +68.6% | |
| Operating Margin | 7.2% | -19.4% | 10.0% | 9.0% | 6.7% | 1.6% | 12.5% | 7.9% | 13.9% | 27.7% | 15.5% | 15.6% | 13.7% | 8.5% | 16.1% | 14.9% | 12.1% | 21.8% | 14.7% | 10.0% | 6.5% |
| — | -1298.0% | -19.7% | +14.0% | -51.6% | -94.1% | -19.4% | -49.2% | +1.4% | +224.6% | -4.0% | +4.4% | +13.7% | -60.8% | +9.6% | +49.1% | +84.9% | +55.7% | +67.6% | +53.3% | +120.3% | |
| Net Margin | 5.7% | -16.5% | 7.8% | 6.9% | 5.4% | 1.2% | 10.0% | 6.1% | 10.9% | 20.2% | 12.2% | 12.4% | 10.6% | 6.6% | 12.7% | 11.9% | 9.4% | 17.3% | 12.3% | 8.1% | 5.4% |
| — | -1493.4% | -22.2% | +12.5% | -50.7% | -94.1% | -17.5% | -50.5% | +2.9% | +206.4% | -4.3% | +4.8% | +13.2% | -62.0% | +3.3% | +45.6% | +71.9% | +54.5% | +101.3% | +62.0% | +69.0% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 6.7% | -3.9% | 2.4% | 2.1% | 1.6% | 0.4% | 3.0% | 1.7% | 3.2% | 6.0% | 3.8% | 4.0% | 3.4% | 2.1% | 4.2% | 4.0% | 3.2% | 5.6% | 3.6% | 2.2% | 1.4% |
| — | -1189.4% | -20.5% | +23.6% | -50.3% | -94.1% | -20.9% | -57.1% | -7.2% | +181.6% | -11.4% | -0.2% | +6.7% | -61.5% | +17.6% | +82.7% | +126.8% | +86.6% | +112.6% | +52.9% | +13.9% | |
| ROA | 1.2% | -0.7% | 0.4% | 0.4% | 0.3% | 0.1% | 0.5% | 0.3% | 0.6% | 1.0% | 0.6% | 0.6% | 0.5% | 0.3% | 0.6% | 0.6% | 0.5% | 0.8% | 0.6% | 0.3% | 0.2% |
| — | -1171.0% | -24.0% | +20.8% | -50.6% | -93.9% | -14.4% | -51.7% | +3.0% | +208.7% | -1.0% | +8.4% | +17.1% | -59.7% | +11.5% | +65.5% | +102.9% | +77.1% | +117.0% | +61.4% | +17.9% | |
| ROIC | 4.7% | -2.6% | 1.7% | 1.5% | 1.1% | 0.3% | 2.2% | 1.2% | 2.3% | 4.7% | 2.7% | 2.8% | 2.5% | 1.5% | 3.0% | 2.8% | 2.3% | 3.9% | 2.4% | 1.5% | 1.0% |
| — | -995.6% | -21.7% | +24.5% | -51.4% | -93.9% | -20.0% | -55.8% | -6.8% | +207.2% | -8.1% | +2.3% | +9.9% | -60.0% | +21.8% | +79.2% | +130.4% | +80.1% | +71.4% | +41.9% | +48.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.35 | 0.35 | 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 | 0.37 | 0.39 | 0.40 | 0.35 | 0.32 | 0.31 |
| — | +1.9% | +5.3% | +3.5% | -0.4% | +8.4% | -0.3% | -0.6% | -3.9% | -11.2% | -10.6% | -9.5% | -6.7% | -9.9% | +4.6% | +14.5% | +25.0% | +27.9% | +12.8% | +2.4% | -3.4% | |
| Debt / EBITDA | 3.69 | — | 9.90 | 11.25 | 15.64 | 43.50 | 8.37 | 13.68 | 8.19 | 3.78 | 6.61 | 6.53 | 7.75 | 11.84 | 6.54 | 7.18 | 8.84 | 5.13 | 7.39 | 10.57 | 16.18 |
| — | — | +18.3% | -17.8% | +91.0% | +1049.5% | +26.6% | +109.6% | +5.7% | -68.0% | +1.1% | -9.1% | -12.4% | +130.8% | -11.5% | -32.1% | -45.4% | -34.4% | -37.1% | -28.0% | -30.0% | |
| Current Ratio | — | 25.85 | 17.97 | 20.63 | — | 2.33 | 3.42 | 2.39 | 2.40 | 3.50 | 3.40 | 3.98 | 4.23 | 3.73 | 3.45 | 3.70 | 4.36 | 4.11 | 3.93 | 3.89 | 4.31 |
| — | +1007.4% | +426.0% | +762.2% | — | -33.2% | +0.4% | -39.9% | -43.3% | -6.2% | -1.4% | +7.5% | -2.9% | -9.3% | -12.1% | -4.7% | +1.1% | +2.1% | +3.4% | -25.5% | -5.9% | |
| Quick Ratio | — | 25.85 | 17.97 | 20.63 | — | 2.33 | 3.42 | 2.39 | 2.40 | 3.50 | 3.40 | 3.98 | 4.23 | 3.73 | 3.45 | 3.70 | 4.36 | 4.11 | 3.93 | 3.89 | 4.31 |
| — | +1007.4% | +426.0% | +762.2% | — | -33.2% | +0.4% | -39.9% | -43.3% | -6.2% | -1.4% | +7.5% | -2.9% | -9.3% | -12.1% | -4.7% | +1.1% | +2.1% | +3.4% | -25.5% | -5.9% | |
| Interest Coverage | 5.47 | -9.17 | 7.18 | 6.70 | 5.15 | 2.04 | 9.02 | 5.68 | 9.49 | 17.56 | 10.93 | 11.01 | 9.71 | 6.38 | 11.19 | 10.38 | 8.65 | 14.65 | 10.27 | 7.30 | 4.79 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying UNM stock.
Unum Group's current P/E is 50.0x. The average P/E over the last 3 quarters is 15.2x. 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.