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UNMA logoUnum Group 6.250% JR NT58(UNMA)Earnings, Financials & Key Ratios

UNMA•NYSE•Insurance & Managed Care
$23.49
$5.31B mkt cap·5.5× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryDiversified InsuranceSub-IndustryLife, annuity and benefits insurers
AboutUnum Group engages in the provision of financial protection benefits. Its services include disability, life, accident, critical illness, dental, vision, and other related services. It operates through the following segments: Unum US, Unum International, Colonial Life, Closed Block, and Corporate. The Unum US segment focuses on group disability, group life and accidental death and dismemberment products, and supplemental and voluntary lines of business. The Unum International segment engages in the operations of the UK business, which includes insurance for group long-term disability, group life, and supplemental lines of business that include dental, individual disability, and critical illness products. The Colonial Life segment includes insurance for accident, sickness, disability products, life products, and cancer and critical illness products. The Closed Block segment consists of individual disability, group and individual long-term care, and other insurance products no longer actively marketed. The Corporate segment refers to investment income on corporate assets and other corporate income and expenses not allocated to a line of business. The company was founded in 1848 and is headquartered in Chattanooga, TN.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%
  • Book Value per Share64.30+10.3%
  • Tangible BV/Share62.25+10.3%
  • Debt/Equity0.35-0.4%
Technical→

UNMA Key Insights

Unum Group 6.250% JR NT58 (UNMA) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Profitable underwriting: 92.8% combined ratio
  • ✓20 consecutive years of dividend growth
  • ✓Share count reduced 8.1% through buybacks
  • ✓Trading near 52-week high
  • ✓Trading at only 0.4x 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.

UNMA Price & Volume

Unum Group 6.250% JR NT58 (UNMA) stock price & volume — 10-year historical chart

Loading chart...

UNMA Growth Metrics

Unum Group 6.250% JR NT58 (UNMA) 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%

UNMA Recent Earnings

Unum Group 6.250% JR NT58 (UNMA) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 4/12 qtrs (36%)●Beat Revenue 5/12 qtrs (45%)
Q2 2026Latest
Apr 28, 2026
EPS
$1.41
Est $2.08
-32.2%
Revenue
$3.4B
Est $3.1B
+9.7%
Q1 2026
Feb 5, 2026
EPS
$1.92
Est $2.11
-9.0%
Revenue
$3.2B
Est $3.3B
-1.3%
Q4 2025
Nov 3, 2025
EPS
$2.09
Est $2.15
-2.8%
Revenue
$3.4B
Est $3.3B
+1.6%
Q3 2025
Jul 29, 2025
EPS
$2.07
Est $2.22
-6.8%
Revenue
$3.4B
Est $3.3B
+0.9%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 28, 2026
$1.41vs $2.08-32.2%
$3.4Bvs $3.1B+9.7%
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+1.6%
Q3 2025Jul 29, 2025
$2.07vs $2.22-6.8%
$3.4Bvs $3.3B+0.9%
Based on last 12 quarters of dataView full earnings history →

UNMA Peer Comparison

Unum Group 6.250% JR NT58 (UNMA) competitors in Life, annuity and 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
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
MET logoMETMetLife, Inc.Direct Competitor52.27B80.1616.7010.22%4.44%11.88%0.70
PRU logoPRUPrudential Financial, Inc.Direct Competitor34.86B100.169.80-14.01%5.62%10.26%0.65
AFL logoAFLAflac IncorporatedDirect Competitor58.42B113.4016.60-8.84%21%13.05%0.29
LNC logoLNCLincoln National CorporationDirect Competitor6.41B37.622.0453.61%11.43%20.18%0.77
GNW logoGNWGenworth Financial, Inc.Direct Competitor3.55B9.1716.98-10.86%3.62%2.54%0.15
UNM logoUNMUnum GroupProduct Competitor12.96B80.2718.752.07%5.87%7.07%0.35
CNO logoCNOCNO Financial Group, Inc.Product Competitor4.28B45.7119.450.94%4.94%8.6%1.54
GL logoGLGlobe Life Inc.Product Competitor12.11B154.3910.983.82%19.36%20.64%0.44

Compare UNMA vs Peers

Unum Group 6.250% JR NT58 (UNMA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs MET

Most directly comparable listed peer for UNMA.

Scale Benchmark

vs MMC

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

Peer Set

Compare Top 5

vs MET, PRU, AFL, LNC

UNMA Income Statement

Unum Group 6.250% JR NT58 (UNMA) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Revenue11.29B11.6B11.99B13.15B11.84B11.88B12.31B12.79B13.05B13.3B
Revenue Growth %2.18%2.76%3.4%9.63%-9.96%0.32%3.65%3.91%2.07%4.84%
Medical Costs & Claims8.02B9.03B8.57B10.06B8.52B7.95B8.28B8.05B8.07B8.79B
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 Expenses1.87B1.94B2.04B2.12B2.06B2.18B2.39B2.49B4.06B3.52B
OpEx / Revenue %16.54%16.76%17.01%16.15%17.37%18.36%19.44%19.49%31.07%26.43%
Depreciation & Amortization103.4M101.4M110.1M113.6M119.8M110.5M108.8M116.1M123M93M
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%-
EBITDA1.51B729.2M1.49B1.08B1.38B1.86B1.75B2.37B1.06B1.09B
EBITDA Margin %13.36%6.29%12.44%8.2%11.66%15.67%14.21%18.51%8.09%8.16%
Interest Expense159.9M167.3M177.4M188.2M185M188.5M194.8M201.1M208.8M209.9M
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 Tax409.8M104.4M281.8M171M279.6M342.8M356.3M472.2M195M211.2M
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 Outstanding227.3M220.1M209.85M203.76M204.85M202.11M197.6M188.07M172.92M164.4M

UNMA Balance Sheet

Unum Group 6.250% JR NT58 (UNMA) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Total Assets65.1B62.61B68.36B72.16B71.23B61.53B63.61B62.35B64.09B0
Asset Growth %2.43%-3.82%9.18%5.56%-1.3%-13.62%3.39%-1.97%2.79%-96.64%
Total Investment Assets53.04B50.71B55.76B52.68B52.15B43.71B45.96B45.71B43.52B3M
Long-Term Investments53.04B50.71B55.76B52.68B52.15B43.71B45.96B45.71B43.52B132.4B
Short-Term Investments0000000000
Total Current Assets1.74B1.71B1.69B1.72B1.59B1.6B1.69B1.62B1.59B0
Cash & Equivalents77.4M94M84.1M197M75M119.2M146M162.8M158.2M0
Receivables1.67B1.62B1.6B1.52B1.52B1.48B1.54B1.46B1.43B4.47B
Other Current Assets0000000000
Goodwill & Intangibles338.6M350.3M351.7M353M352.2M347.6M349.9M349.1M353.9M1.06B
Goodwill338.6M350.3M351.7M353M352.2M347.6M349.9M349.1M353.9M0
Intangible Assets0000000000
PP&E (Net)504.8M546.9M642.7M580.9M511.8M489.4M521.1M532.7M503.7M0
Other Assets8.38B8.45B8.57B15.29B15.51B14.41B14.08B13.38B17.42B0
Total Liabilities55.53B53.99B58.4B61.29B59.81B52.79B53.96B51.39B52.98B51.82B
Total Debt2.94B2.97B3.53B3.53B3.58B3.43B3.54B3.86B3.9B3.76B
Net Debt2.86B2.88B3.45B3.34B3.51B3.31B3.39B3.7B3.74B3.76B
Long-Term Debt2.74B2.97B3.02B3.43B3.5B3.43B3.47B3.52B3.82B3.76B
Short-Term Debt199.9M0426.3M25.4M22.6M2M19.2M292M22.4M0
Total Current Liabilities573M363.3M790.2M374.7M370.1M367.5M399.4M676M087.6M
Accounts Payable0000000000
Deferred Revenue373.1M363.3M363.9M349.3M347.5M365.5M380.2M384M00
Other Current Liabilities00000000-22.4M87.6M
Deferred Taxes1000K1000K1000K1000K1000K1000K1000K1000K1000K729.6M
Other Liabilities50.91B49.91B53.05B55.45B54.3B48.59B49.65B46.72B48.34B47.93B
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 Equity9.57B8.62B9.96B10.87B11.42B8.73B9.65B10.96B11.12B10.89B
Minority Interest0000000000
Retained Earnings9.54B9.86B10.73B11.27B11.85B13.14B11.43B12.91B13.35B13.5B
Common Stock30.5M30.5M30.6M30.7M30.7M30.8M19.4M19.5M19.6M0
Accumulated OCI127.5M-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 / Assets14.71%13.77%14.58%15.06%16.03%14.2%15.17%17.58%17.35%-
Debt / Equity0.31x0.34x0.35x0.32x0.31x0.39x0.37x0.35x0.35x0.35x
Book Value per Share42.1239.1747.4953.3555.7343.2248.8458.2864.3066.26
Tangible BV per Share40.6337.5845.8151.6254.0141.5047.0756.4362.2566.26

UNMA Cash Flow Statement

Unum Group 6.250% JR NT58 (UNMA) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations1.15B1.54B1.74B597.5M1.39B1.42B1.2B1.51B687.7M687.7M
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%5.17%
Net Income994.2M523.4M1.1B793M824.2M1.31B1.28B1.78B738.5M781.4M
Depreciation & Amortization103.4M101.4M110.1M113.6M119.8M110.5M108.8M116.1M123M124.8M
Stock-Based Compensation29.5M26.3M26.6M30.4M35.4M52.7M0000
Deferred Taxes00-26.6M-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 Changes253.8M1.08B664.4M2.01B1.14B145.4M-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 Investments3.27B3.91B3.72B3.28B3.53B2.54B3B2.69B3.46B3.05B
Other Investing2.55B200.5M-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 Issued10.8M4.6M6.1M4.4M3.4M4M5.2M6M5.1M6.7M
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 Effect0000000000
Cash at Beginning100.4M77.4M94M84.1M197M75M119.2M146M162.8M158.2M
Cash at End77.4M94M84.1M197M75M119.2M146M162.8M158.2M192.6M
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 Share4.596.337.582.356.236.515.47.383.213.21

UNMA Key Ratios

Unum Group 6.250% JR NT58 (UNMA) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
Combined Ratio87.56%94.59%88.48%92.67%89.35%85.26%86.68%82.4%92.85%92.54%
Medical Cost Ratio71.02%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 / Assets14.71%13.77%14.58%15.06%16.03%14.2%15.17%17.58%17.35%-
Book Value / Share42.1239.1747.4953.3555.7343.2248.8458.2864.366.26
Debt / Equity0.31x0.34x0.35x0.32x0.31x0.39x0.37x0.35x0.35x0.35x
Revenue Growth2.18%2.76%3.4%9.63%-9.96%0.32%3.65%3.91%2.07%4.84%

UNMA SEC Filings & Documents

Unum Group 6.250% JR NT58 (UNMA) 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

UNMA Frequently Asked Questions

Unum Group 6.250% JR NT58 (UNMA) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Unum Group 6.250% JR NT58 (UNMA) grew revenue by 2.1% over the past year. Growth has been modest.

Yes, Unum Group 6.250% JR NT58 (UNMA) is profitable, generating $781.4M in net income for fiscal year 2025 (5.7% net margin).

Dividend & Returns

Yes, Unum Group 6.250% JR NT58 (UNMA) pays a dividend with a yield of 7.54%. This makes it attractive for income-focused investors.

Unum Group 6.250% JR NT58 (UNMA) has a return on equity (ROE) of 6.7%. This is below average, suggesting room for improvement.

Industry Metrics

Unum Group 6.250% JR NT58 (UNMA) has a combined ratio of 92.8%. A ratio below 100% indicates underwriting profitability.

Explore More UNMA

Unum Group 6.250% JR NT58 (UNMA) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

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Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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