Unum Group 6.250% JR NT58 (UNMA) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Insurance - Diversified
EV/EBITDA
↑
8.56
↑+62% vs avg
5yr avg: 5.27
30Y Low3.4·High10.8
P/FCF
↑
9.55
↑+108% vs avg
5yr avg: 4.59
30Y Low3.2·High11.8
P/B Ratio
↓
0.36
↓-21% vs avg
5yr avg: 0.46
30Y Low0.4·High0.6
ROE
↓
6.7%
↑-45% vs avg
5yr avg: 12.1%
30Y Low-5%·High25%
Debt/EBITDA
↑
3.69
↑+57% vs avg
5yr avg: 2.36
30Y Low0.1·High9.0
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
UNMA Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Unum Group 6.250% JR NT58 trades at 5.5x earnings, 26% above its 5-year average of 4.3x, sitting at the 63rd percentile of its historical range. Compared to the Financial Services sector median P/E of 13.1x, the stock trades at a discount of 58%. On a free-cash-flow basis, the stock trades at 9.5x P/FCF, 108% above the 5-year average of 4.6x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $5.3B | $4.0B | $4.4B | $5.0B | $4.8B | $5.4B | $5.6B | $5.7B | $5.0B | — | — |
| Enterprise Value | $9.0B | $7.7B | $8.1B | $8.4B | $8.1B | $8.9B | $9.0B | $9.1B | $7.9B | — | — |
| P/E Ratio → | 5.48 | 5.40 | 2.50 | 3.88 | 3.44 | 6.50 | 7.11 | 5.15 | 9.53 | — | — |
| P/S Ratio | 0.41 | 0.31 | 0.35 | 0.41 | 0.41 | 0.45 | 0.43 | 0.47 | 0.43 | — | — |
| P/B Ratio | 0.36 | 0.36 | 0.41 | 0.52 | 0.55 | 0.47 | 0.52 | 0.57 | 0.58 | — | — |
| P/FCF | 9.55 | 7.20 | 3.20 | 4.67 | 3.67 | 4.19 | 11.78 | 3.56 | 3.58 | — | — |
| P/OCF | 7.71 | 5.81 | 2.94 | 4.14 | 3.41 | 3.86 | 9.43 | 3.25 | 3.25 | — | — |
P/E links to full P/E history page with 30-year chart
UNMA EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Unum Group 6.250% JR NT58's enterprise value stands at 8.6x EBITDA, 62% above its 5-year average of 5.3x. The Financial Services sector median is 11.5x, placing the stock at a 25% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.59 | 0.64 | 0.68 | 0.69 | 0.75 | 0.68 | 0.76 | 0.68 | — | — |
| EV / EBITDA | 8.56 | 7.33 | 3.44 | 4.79 | 4.38 | 6.42 | 8.32 | 6.11 | 10.79 | — | — |
| EV / EBIT | 9.69 | 6.78 | 3.32 | 4.56 | 4.20 | 6.13 | 7.78 | 5.84 | 9.89 | — | — |
| EV / FCF | — | 13.94 | 5.87 | 7.84 | 6.19 | 6.94 | 18.75 | 5.73 | 5.65 | — | — |
UNMA Profitability
Margins and return-on-capital ratios measuring operating efficiency
Unum Group 6.250% JR NT58 earns an operating margin of 7.2%, below the Financial Services sector average of 21.6%. Operating margins have compressed from 13.3% to 7.2% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 6.7% is modest, trailing the sector median of 9.4%. ROIC of 4.7% represents below-average returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 38.2% | 38.2% | 37.1% | 32.8% | 33.1% | 28.0% | 23.5% | 28.5% | 22.2% | 29.0% | 28.8% |
| Operating Margin | 7.2% | 7.2% | 17.6% | 13.3% | 14.7% | 10.6% | 7.3% | 11.5% | 5.4% | 12.4% | 12.2% |
| Net Profit Margin | 5.7% | 5.7% | 13.9% | 10.4% | 11.9% | 8.3% | 6.0% | 9.2% | 4.5% | 8.8% | 8.4% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 6.7% | 6.7% | 17.3% | 14.0% | 14.0% | 8.8% | 7.6% | 11.8% | 5.8% | 10.7% | 10.6% |
| ROA | 1.2% | 1.2% | 2.8% | 2.1% | 2.1% | 1.4% | 1.1% | 1.7% | 0.8% | 1.5% | 1.5% |
| ROIC | 4.7% | 4.7% | 12.2% | 9.8% | 9.7% | 6.5% | 5.2% | 8.3% | 3.9% | 8.7% | 8.7% |
| ROCE | 1.5% | 1.5% | 3.6% | 2.6% | 2.7% | 1.8% | 1.4% | 2.1% | 1.0% | 2.2% | 2.2% |
UNMA Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Unum Group 6.250% JR NT58 carries a Debt/EBITDA ratio of 3.7x, which is moderately leveraged (11% below the sector average of 4.1x). Net debt stands at $3.7B ($3.9B total debt minus $158M cash). Interest coverage of 5.5x is adequate, though a cyclical earnings downturn could tighten the margin of safety.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.35 | 0.35 | 0.35 | 0.37 | 0.39 | 0.31 | 0.32 | 0.35 | 0.34 | 0.31 | 0.33 |
| Debt / EBITDA | 3.69 | 3.69 | 1.63 | 2.02 | 1.84 | 2.60 | 3.28 | 2.37 | 4.07 | 1.95 | 2.07 |
| Net Debt / Equity | — | 0.34 | 0.34 | 0.35 | 0.38 | 0.31 | 0.31 | 0.35 | 0.33 | 0.30 | 0.32 |
| Net Debt / EBITDA | 3.54 | 3.54 | 1.56 | 1.94 | 1.78 | 2.54 | 3.09 | 2.31 | 3.95 | 1.90 | 2.00 |
| Debt / FCF | — | 6.74 | 2.67 | 3.17 | 2.51 | 2.75 | 6.97 | 2.17 | 2.07 | 2.74 | 2.81 |
| Interest Coverage | 5.47 | 5.47 | 12.19 | 9.42 | 10.28 | 7.81 | 6.12 | 8.79 | 4.75 | 9.78 | 9.12 |
UNMA Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio has declined from 4.23x to 2.40x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | — | — | 2.40 | 4.23 | 4.36 | 4.31 | 4.58 | 2.13 | 4.71 | 3.04 | 4.70 |
| Quick Ratio | — | — | 2.40 | 4.23 | 4.36 | 4.31 | 4.58 | 2.13 | 4.71 | 3.04 | 4.70 |
| Cash Ratio | — | — | 0.24 | 0.37 | 0.32 | 0.20 | 0.53 | 0.11 | 0.26 | 0.14 | 0.28 |
| Asset Turnover | — | 0.20 | 0.21 | 0.19 | 0.19 | 0.17 | 0.18 | 0.18 | 0.19 | 0.17 | 0.17 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
UNMA Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Unum Group 6.250% JR NT58 returns 26.6% to shareholders annually — split between a 7.6% dividend yield and 19.1% buyback yield. A payout ratio of 41.5% is moderate and appears sustainable, balancing shareholder returns with reinvestment capacity. The earnings yield of 18.3% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 7.6% | 7.7% | 6.7% | 5.6% | 5.3% | 4.5% | 4.1% | 4.0% | 4.3% | — | — |
| Payout Ratio | 41.5% | 41.5% | 16.7% | 21.6% | 18.1% | 24.4% | 29.2% | 20.8% | 41.2% | 19.7% | 19.6% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 18.3% | 18.5% | 40.1% | 25.8% | 29.1% | 15.4% | 14.1% | 19.4% | 10.5% | — | — |
| FCF Yield | 10.5% | 13.9% | 31.2% | 21.4% | 27.2% | 23.9% | 8.5% | 28.1% | 27.9% | — | — |
| Buyback Yield | 19.1% | 25.3% | 21.9% | 5.0% | 4.1% | 0.9% | 0.0% | 7.1% | 7.1% | — | — |
| Total Shareholder Yield | 26.6% | 32.9% | 28.6% | 10.6% | 9.4% | 5.4% | 4.1% | 11.1% | 11.5% | — | — |
| Shares Outstanding | — | $173M | $188M | $198M | $202M | $205M | $204M | $210M | $220M | $227M | $236M |
Peer Comparison
Compare UNMA with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 UNMAYou | $5B | 5.5 | 8.6 | 9.5 | 38.2% | 7.2% | 6.7% | 4.7% | 3.7 |
 MET | $51B | 16.4 | 8.7 | 2.8 | 36.4% | 6.0% | 11.9% | 13.1% | 3.5 |
 PRU | $35B | 9.7 | 7.7 | 5.5 | 42.0% | 7.9% | 10.9% | 10.0% | 4.7 |
 AFL | $59B | 16.6 | 11.0 | 22.9 | 38.9% | 26.6% | 13.1% | 11.8% | 1.5 |
 LNC | $7B | 6.2 | 2.4 | — | 57.3% | 7.3% | 12.3% | 12.0% | 4.1 |
 GNW | $4B | 16.9 | 5.7 | 10.8 | 24.3% | 6.8% | 2.3% | 3.6% | 2.9 |
 UNM | $13B | 18.8 | 15.8 | 23.4 | 38.2% | 7.2% | 6.7% | 4.7% | 3.7 |
 CNO | $4B | 19.5 | 14.1 | 6.4 | 44.8% | 6.5% | 8.9% | 4.0% | 7.7 |
 GL | $12B | 10.8 | 9.1 | 9.5 | 33.4% | 24.4% | 20.6% | 13.4% | 1.6 |
 RGA | $14B | 12.0 | 9.8 | 3.4 | 25.4% | 6.8% | 9.7% | 8.3% | 3.6 |
 EIG | $982M | 93.3 | 68.9 | 23.1 | 32.2% | 1.4% | 1.1% | 1.0% | 3.1 |
| Financial Services Median | — | 13.1 | 11.5 | 10.6 | 63.6% | 21.6% | 9.4% | 5.7% | 4.1 |
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Start ComparisonUNMA — Frequently Asked Questions
Quick answers to the most common questions about buying UNMA stock.
What is Unum Group 6.250% JR NT58's P/E ratio?
Unum Group 6.250% JR NT58's current P/E ratio is 5.5x. The historical average is 5.4x. This places it at the 63th percentile of its historical range.
What is Unum Group 6.250% JR NT58's EV/EBITDA?
Unum Group 6.250% JR NT58's current EV/EBITDA is 8.6x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 6.4x.
What is Unum Group 6.250% JR NT58's ROE?
Unum Group 6.250% JR NT58's return on equity (ROE) is 6.7%. The historical average is 8.7%.
Is UNMA stock overvalued?
Based on historical data, Unum Group 6.250% JR NT58 is trading at a P/E of 5.5x. This is at the 63th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Unum Group 6.250% JR NT58's dividend yield?
Unum Group 6.250% JR NT58's current dividend yield is 7.55% with a payout ratio of 41.5%.
What are Unum Group 6.250% JR NT58's profit margins?
Unum Group 6.250% JR NT58 has 38.2% gross margin and 7.2% operating margin.
How much debt does Unum Group 6.250% JR NT58 have?
Unum Group 6.250% JR NT58's Debt/EBITDA ratio is 3.7x, indicating high leverage. A ratio between 2-4x is manageable but warrants monitoring.