Sunday 1 November 2026 Export UNM’s income statement to Excel — free account

Unum Group

UNM Financial Insurance Life

Unum Group’s revenue for fiscal 2025 (year ended December 2025) was $13.1 billion, up 1.46% from fiscal 2024.

Revenue: +0.26%
EPS: −16.6%
Free cash flow: +48.2%
Total debt: +0.53%

Quarter to June 2026, against a year earlier

91.14 0.45 −0.49%

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Market cap: $14.5B
P/E: 21.3×
Fwd P/E: 12.9×
Dividend yield: 2.11%
F-score: 5/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Earnings & Analysis Filings

	Dec '25	Dec '24	Dec '23	Dec '22	Dec '21	Dec '20	Dec '19	Dec '18	Dec '17	Dec '16
P/E ratio Full definition →	18.19	7.70	7.00	6.15	5.11	5.91	5.56	12.40	12.50	11.18
Piotroski F-Score Full definition →	5	6	4	8	6	5	8	5	7	8
P/S ratio Full definition →	1.02	1.06	0.73	0.67	0.42	0.35	0.51	0.56	1.10	0.94
P/FCF ratio Full definition →	24.07	9.87	8.42	6.13	3.93	13.34	4.20	4.63	11.74	10.06
P/Operating CF Full definition →	37.36	28.19	26.16	22.63	10.45	(5.77)	17.48	14.24	43.22	28.43
P/B ratio Full definition →	1.20	1.25	0.93	0.92	0.44	0.43	0.61	0.75	1.30	1.16
Price to Tangible BV Full definition →	1.24	1.29	0.97	0.96	0.45	0.44	0.64	0.78	1.35	1.21
EV/Sales Full definition →	1.32	1.34	0.99	0.95	0.73	0.62	0.78	0.82	1.35	1.24
EV/EBITDA Full definition →	13.73	6.72	6.31	5.56	5.61	6.33	5.61	10.63	9.17	8.47
EV/Operating CF Full definition →	25.09	11.41	10.20	8.03	6.33	17.52	5.82	6.20	13.13	12.19
EV/FCF Full definition →	31.07	12.45	11.49	8.65	6.88	23.47	6.43	6.84	14.44	13.19
Quick Ratio Full definition →	0.29	0.22	0.23	0.24	0.24	0.23	0.12	0.13	0.13	0.14
Current Ratio Full definition →	0.29	0.22	0.23	0.24	0.24	0.23	0.12	0.13	0.13	0.14
Net Debt/EBITDA Full definition →	2.87	1.39	1.69	1.62	2.15	2.43	1.94	3.21	1.72	1.79
Debt/Assets Full definition →	5.93%	6.04%	5.42%	5.61%	4.91%	4.74%	4.96%	4.80%	4.59%	4.84%
Debt/Equity Full definition →	0.34	0.34	0.36	0.39	0.30	0.31	0.33	0.34	0.31	0.33
Asset Turnover Full definition →	0.21	0.21	0.20	0.18	0.17	0.19	0.19	0.18	0.18	0.18
Operating CF/Net income Full definition →	0.93	0.85	0.94	1.01	1.41	0.59	1.46	2.94	1.17	1.20
Capex/Depreciation Full definition →	(1.16)	(1.08)	(1.24)	(0.92)	(0.92)	(0.82)	(1.37)	(1.42)	(1.02)	(0.84)
Interest Coverage Full definition →	5.47	12.19	9.42	10.28	7.81	6.12	8.79	4.75	9.78	9.12
ROE Full definition →	6.69%	17.26%	13.96%	13.97%	8.80%	7.61%	11.84%	5.75%	10.72%	10.56%
ROA Full definition →	1.18%	2.84%	2.06%	2.14%	1.39%	1.15%	1.71%	0.83%	1.58%	1.52%
ROIC Full definition →	3.96%	9.68%	7.92%	9.08%	5.33%	4.30%	6.54%	3.41%	7.06%	7.10%
Return on Tangible Assets Full definition →	(2.32%)	(5.20%)	(3.53%)	(4.05%)	(2.51%)	(1.95%)	(2.45%)	(1.26%)	(2.35%)	(2.29%)
Average Days of Receivables Full definition →	363.02	276.30	313.91	337.77	378.11	339.93	194.19	197.56	211.65	213.77
Research and Development Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →	13.08%	13.09%	13.27%	12.61%	11.89%	11.85%	12.57%	12.51%	12.22%	12.06%
Intangible Assets out of Total Assets Full definition →	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Share Based Compensation of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Graham Net Nets Full definition →	(2.93)	(3.00)	(4.76)	(5.10)	(9.20)	(10.13)	(8.27)	(7.27)	(3.85)	(4.45)
Graham Number Full definition →	78.60	111.73	84.92	80.10	77.73	68.27	74.85	45.75	64.62	58.26
Earnings Yield Full definition →	5.50%	12.99%	14.29%	16.27%	19.55%	16.91%	17.97%	8.07%	8.00%	8.94%
Free Cash Flow Yield Full definition →	4.15%	10.13%	11.88%	16.30%	25.45%	7.50%	23.80%	21.58%	8.52%	9.94%
Revenue per Share Full definition →	75.79	68.73	62.98	59.73	58.79	64.63	57.21	52.81	49.83	46.92
Operating CF per Share Full definition →	3.99	8.07	6.12	7.07	6.79	2.30	7.66	7.00	5.14	4.76
Capex per Share Full definition →	(0.77)	(0.67)	(0.69)	(0.51)	(0.54)	(0.58)	(0.72)	(0.66)	(0.46)	(0.36)
Free Cash Flow per Share Full definition →	3.22	7.40	5.43	6.56	6.25	1.72	6.94	6.34	4.67	4.40
Cash per Share Full definition →	0.92	0.87	0.74	0.59	0.37	0.97	0.40	0.43	0.34	0.43
Shareholders Equity per Share Full definition →	64.45	58.46	49.08	43.53	55.90	53.38	47.51	39.26	42.27	38.09
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	64.45	58.46	49.08	43.53	55.90	53.38	47.51	39.26	42.27	38.09
Free Cash Flow Full definition →	555.40	1,387.50	1,068.00	1,316.50	1,277.20	350.20	1,455.70	1,392.40	1,058.80	1,036.60
Working Capital Full definition →	(32,383.30)	(34,707.20)	(36,874.90)	(35,225.90)	(39,539.40)	(41,066.60)	(45,421.20)	(42,123.80)	(42,752.50)	(41,171.20)
Capital Expenditures Full definition →	(132.30)	(125.70)	(134.80)	(102.20)	(110.30)	(119.10)	(150.90)	(144.10)	(105.30)	(85.00)
Net Current Asset Value Full definition →	(39,237.70)	(41,080.00)	(42,805.70)	(41,204.20)	(46,185.00)	(47,299.80)	(50,580.70)	(46,881.90)	(47,815.90)	(46,403.40)
EV/EBIT Full definition →	15.10	7.04	6.69	5.87	6.08	7.13	6.00	11.99	9.77	9.03
Capex to Sales Full definition →	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Price to Operating Income Full definition →	14.32	6.08	5.48	4.61	3.98	4.85	4.42	10.28	8.85	7.74
Other line items
Depreciation/Fixed assets Full definition →	0.23	0.24	0.22	0.24	0.26	0.29	0.21	0.19	0.20	0.20
Cash ROIC Full definition →	3.69%	9.33%	8.07%	10.72%	8.55%	2.43%	10.88%	11.91%	8.41%	8.59%
Accounts Receivable Turnover Full definition →	1.15	1.26	1.14	1.02	0.97	1.41	1.90	1.81	1.73	1.73
Accounts Payable Turnover Full definition →	0.19	0.16	0.17	0.15	0.15	0.18	0.16	0.17	0.15	0.16
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	1,905.69	2,151.23	2,232.28	2,252.51	2,354.84	2,066.36	2,360.91	2,092.11	2,396.85	2,362.44
Days of Inventory on Hand Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Receivables Full definition →	11,379.90	10,203.75	10,871.10	11,764.65	12,348.60	9,320.80	6,330.75	6,411.40	6,507.30	6,396.60
Average Payables Full definition →	44,948.35	46,011.90	47,053.10	49,243.40	52,787.60	52,505.40	49,992.45	48,835.30	48,458.10	47,412.65
Average Assets Full definition →	62,739.35	62,607.25	62,201.85	65,632.05	70,370.70	68,819.60	64,444.50	62,944.35	62,977.30	61,252.55
Average Common Equity Full definition →	11,040.10	10,306.25	9,193.20	10,075.70	11,143.70	10,418.00	9,293.40	9,098.35	9,271.45	8,815.95

Show all line items

Columns are period end dates · fundamentals updated 25 Oct 2026

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