UNM

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Unum Group

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Key Metrics

Previous Close: $87.64
52-Week Range: $68.70 – $94.55
Market Cap: $13.76B
P/E (TTM): 20.17
EPS (TTM): 4.31
Dividend Yield: 2.30%

Advanced Metrics

Price/Book: 1.27
PEG Ratio: 1.03
Return on Equity: 6.35%
Return on Assets: 1.10%
Gross Margin: 29.30%
Operating Margin: 11.36%
Profit Margin: 5.26%
Current Ratio: 17.26
Debt/Equity: 0.37
Total Debt: $3.99B
Free Cash Flow: $-2.23B
Revenue Growth: 0.30%
Earnings Growth: -16.20%
Enterprise Value: $15.68B

UNM Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$11.88B	$12.31B	$12.79B	$12.98B
Selling, General & Admin	$1.09B	$1.16B	$1.17B	$1.18B
Pretax Income	$1.75B	$1.64B	$2.25B	$933.50M
Income Tax	$342.80M	$356.30M	$472.20M	$195.00M
Net Income	$1.41B	$1.28B	$1.78B	$738.50M
Diluted EPS	6.50	6.50	9.46	4.27
Diluted Shares	202.11M	197.60M	188.07M	172.92M

UNM Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$119.20M	$146.00M	$162.80M	$158.20M
Receivables	$11.09B	$10.65B	$9.76B	$13.00B
Total Assets	$61.15B	$63.26B	$61.96B	$63.52B
Long-Term Debt	$3.43B	$3.43B	$3.47B	$3.77B
Total Debt	$3.43B	$3.43B	$3.74B	$3.77B
Total Liabilities	$52.41B	$53.60B	$51.00B	$52.40B
Retained Earnings	$13.14B	$11.43B	$12.91B	$13.35B
Shareholders' Equity	$8.73B	$9.65B	$10.96B	$11.12B
Net Debt	$3.31B	$3.28B	$3.58B	$3.61B

UNM Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$1.42B	$1.20B	$1.51B	$687.70M
Capital Expenditure	-$102.20M	-$134.80M	-$125.70M	-$132.30M
Free Cash Flow	$1.32B	$1.07B	$1.39B	$555.40M
Depreciation & Amortisation	$110.50M	$108.80M	$116.10M	$123.00M
Investing Cash Flow	-$955.90M	-$725.90M	-$344.40M	$548.90M
Financing Cash Flow	-$418.60M	-$450.10M	-$1.15B	-$1.24B
Dividends Paid	-$254.20M	-$277.10M	-$296.50M	-$306.20M
Share Repurchases	-$200.10M	-$250.10M	-$972.90M	-$1.01B
Net Change in Cash	$44.20M	$26.80M	$16.80M	-$4.60M

UNM Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$3.35B	$3.36B	$3.21B	$3.33B	$3.35B
Selling, General & Admin	$292.00M	$292.40M	$288.80M	$325.50M	$307.00M
Pretax Income	$417.00M	$54.50M	$218.40M	$302.70M	$329.50M
Income Tax	$81.40M	$14.80M	$44.30M	$70.70M	$72.60M
Net Income	$335.60M	$39.70M	$174.10M	$232.00M	$256.90M
Diluted EPS	1.92	0.23	1.04	1.41	1.61
Diluted Shares	174.43M	170.59M	168.04M	164.40M	160.02M

UNM Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$1.19B	$327.90M	$158.20M	$192.60M	$199.20M
Receivables	$9.56B	$13.15B	$13.00B	$12.93B	$12.72B
Total Assets	$62.84B	$63.68B	$63.52B	$62.71B	$63.49B
Long-Term Debt	$3.47B	$3.47B	$3.77B	$3.76B	$3.76B
Total Debt	$3.74B	$3.75B	$3.77B	$3.76B	$3.76B
Total Liabilities	$51.52B	$52.77B	$52.40B	$51.82B	$52.68B
Retained Earnings	$13.29B	$13.25B	$13.35B	$13.50B	$13.68B
Shareholders' Equity	$11.32B	$10.91B	$11.12B	$10.89B	$10.81B
Net Debt	$2.55B	$3.42B	$3.61B	$3.57B	$3.56B

UNM Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$348.00M	-$371.80M	$357.90M	$340.80M	$503.50M
Capital Expenditure	-$27.90M	-$30.80M	-$37.80M	-$39.60M	-$29.20M
Free Cash Flow	$320.10M	-$402.60M	$320.10M	$301.20M	$474.30M
Depreciation & Amortisation	$30.20M	$31.60M	$31.20M	$31.80M	$50.60M
Investing Cash Flow	$972.80M	-$189.30M	-$222.50M	$82.70M	-$499.40M
Financing Cash Flow	-$363.70M	-$305.80M	-$305.10M	-$389.10M	$2.50M
Dividends Paid	-$73.40M	-$78.40M	-$77.30M	-$78.20M	-$73.60M
Share Repurchases	-$300.40M	-$250.90M	-$258.50M	-$398.80M	-$209.90M
Net Change in Cash	$957.10M	-$866.90M	-$169.70M	$34.40M	$6.60M

Market Snapshot

About

Unum Group is a leading provider of employee benefits products and services. The company offers disability insurance, life insurance, accident and critical illness coverage, and voluntary benefits to employers and individuals. Unum serves millions of workers and their families across North America and the United Kingdom.