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Unum Group (UNM)

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Unum Group (UNM) reported revenue of $3.4 billion for Q2 FY2026, the quarter ended 30 June 2026, up 0.3% on the same quarter a year earlier. Net income was $257 million, down 23.5% on the year, and diluted earnings per share $1.61. The figures are the company's own, from the 10-Q it filed with the SEC on 29 July 2026.

Revenue$3.4 billionup 0.3%
Net income$257 milliondown 23.5%
Diluted EPS$1.61
QuarterQ2 FY2026ended 30 June 2026

Unum Group (UNM) in brief

Unum Group (UNM) reported revenue of $13.1 billion for fiscal 2025, the year ended 31 December 2025, up 1.5% on the year before.
Read moreNet income was $738 million and diluted earnings per share $4.27. Revenue was $12.9 billion in fiscal 2024, $12.4 billion in fiscal 2023, $12.0 billion in fiscal 2022 and $12.0 billion in fiscal 2021. Net income in the same years was $1.8 billion, $1.3 billion, $1.4 billion and $981 million. Over the twelve months to 30 June 2026, Unum Group reported revenue of $13.3 billion and net income of $703 million. Revenue fell 0.1% a year, compounded, over the five years to fiscal 2025. Unum Group declared $1.76 a share in dividends over the last four quarters and had 158 million shares outstanding at the latest filed count. At the close of 8 October 2026 the market cap of Unum Group was $14.7 billion, 21.6 times its earnings over the last twelve months.

Ratios

From the filings

ROE6.5%
ROCE6.2%
Operating margin6.8%
Net margin5.3%
FCF margin5.2%
Interest covern/a
Debt to equity0.35
Cash conversion1.18
Share count, 1 year-7.0%
Sales CAGR, 3 years2.9%
Profit CAGR, 3 years-19.3%
EPS, TTM$4.29

At the close of 8 October 2026

Price$92.64
Market cap$14.7 billion
Stock P/E21.59
Price to book1.36
EV / EBITDA17.36
Dividend yield1.9%
Market cap / sales1.10
52-week high$96.57
52-week low$70.66
Price, 1 year17.8%
Price CAGR, 3 years23.0%
Price CAGR, 5 years26.7%
Worked from the filed figures; hover a name for the formula.
Read moreThe priced ones use the latest daily close from SimFin. Debt to equity here stands on the one borrowings figure Unum Group files, which has finance leases inside it; operating leases are a separate line. Nothing here is a valuation or a view.
UNMgreeksoup.ai
Daily closes to 8 October 2026, adjusted for splits; prices from SimFin.
Read moreDay by day for the last three years; before that one point a week, carrying the week's last close and its average daily volume, so a volume bar means the same thing across the whole series; the bars sit under the price on their own scale, on the right. The moving averages need consecutive days and are drawn from the daily part. P/E is the close over the trailing four quarters' EPS as filed at each filing date, on the current share count; the dashed line is the median over the range shown. Sales and margin are quarterly revenue and the operating margin from the tables above. EV/EBITDA, price to book and market cap to sales use the latest filed balance sheet and share count at each date. Before the quarters on file begin, P/E, price to book and market cap to sales stand on each annual report from the day it was filed. Drawn in your browser; the range and overlay you pick are remembered here only.

The public record on UNM

Filings21 in twelve months: 12 current reports (8-K), about 5 other events; 4 results of operations; 2 regulation fd disclosure; 1 material agreement; 1 shareholder vote
Planned insider sales11 Form 144 notices in twelve months, $4.5 million; latest 10 September 2026
Options tapeput/call 0.05 by open interest at the 8 October 2026 close; the straddle prices a 4.7% move to 16 October 2026
13F holders10 of the followed funds hold it; largest Norges Bank; 4 Schedule 13D or 13G filings in twelve months
Insider trading11 sales and 0 purchases on Form 4 in twelve months
Congress0 House trades disclosed in six months
Short interest4.3 million shares short, 2.57 days to cover at 15 September 2026
Documentsthe 10-K, the 10-Qs, the proxy and 4 earnings press releases, each linked

Quarterly results, the last 12 quarters

Q3 FY2023Q4 FY2023 *Q1 FY2024Q2 FY2024Q3 FY2024Q4 FY2024 *Q1 FY2025Q2 FY2025Q3 FY2025Q4 FY2025 *Q1 FY2026Q2 FY2026
Revenue3,0923,1453,2003,2333,2173,2373,0923,3613,3783,2443,3553,370
Operating income49042949649650244624441754.5218303330
Operating margin16%14%15%15%16%14%8%12%2%7%9%10%
Pre-tax income26242949649681544624441754.5218303330
Tax rate23%23%20%21%21%22%22%20%27%20%23%22%
Net income20233139539064634918933639.7174232257
Net margin7%11%12%12%20%11%6%10%1%5%7%8%
Diluted EPS$1.02$1.69$2.04$2.05$3.46$1.92$1.06$1.92$0.23$1.04$1.41$1.61
Operating cash flow395344298339390486354348-372358341504
Capital expenditure32.845.728.327.737.732.035.827.930.837.839.629.2
Free cash flow362298270311352454318320-403320301474
Buybacks75.675.9122178200473200300251258399210
Dividends paid71.471.472.569.077.877.277.173.478.477.378.273.6
Shares outstanding195m192m189m186m183m177m174m170m167m164m160m158m
Filing10-Q10-K10-Q10-Q10-Q10-K10-Q10-Q10-Q10-K10-Q10-Q
Each quarter as filed, linked to its filing.
Read more* The fourth quarter is the full year less the first three quarters, because the company files the year and not the quarter on its own. A fourth quarter's EPS and diluted share count are from the company's results press release for that quarter, used where the release gives the same revenue and net income as the table. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and the share count are as they are. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Cash flow lines filed year to date are the difference between two filings. Shares outstanding are at the period end where the balance sheet tags them, otherwise the count on the filing's cover page. A derived fourth-quarter EPS is left blank when a split in the year makes the arithmetic meaningless.

Income statement (profit and loss), 12 fiscal years and the trailing twelve months

FY2014 †FY2015 †FY2016 †FY2017 †FY2018FY2019 †FY2020 †FY2021 †FY2022 †FY2023FY2024FY2025TTM
Revenue10,51010,73111,04611,28711,59811,99913,16212,01411,99112,38612,88713,07613,348
Operating income5271,2381,3481,4046281,3829641,2671,7571,6402,251934905
Operating margin5.0%11.5%12.2%12.4%5.4%11.5%7.3%10.5%14.7%13.2%17.5%7.1%6.8%
Pre-tax income5421,2381,3481,4046281,3829641,2611,7501,6402,251934905
Income tax140371416410104282171280343356472195202
Effective tax rate25.8%30.0%30.9%29.2%16.6%20.4%17.7%22.2%19.6%21.7%21.0%20.9%22.4%
Net income4028679319945231,1007939811,4071,2841,779738703
Net margin3.8%8.1%8.4%8.8%4.5%9.2%6.0%8.2%11.7%10.4%13.8%5.6%5.3%
Diluted EPS$1.57$3.50$3.95$4.37$2.38$5.24$3.89$4.79$6.96$6.50$9.46$4.27$4.29
Filing10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K
From each year's 10-K, linked; TTM is the last four quarters.
Read moreFree cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Those four are arithmetic on the filed numbers; everything else is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and share counts are as they are. † The year as the company last restated it in a later filing; rest on a figure for the one first filed. EPS is as filed.

Cash flow and capital returned

Follow the cashA discounted cash flow: five years of free cash flow, added up in today's moneyNot for Unum Group: an insurer's operating cash flow includes premiums it holds to pay claims later, so it is not cash the owners can take out. Book value and return on equity, in the ratios above, are the usual measures for it.

FY2014 †FY2015 †FY2016 †FY2017 †FY2018FY2019 †FY2020 †FY2021 †FY2022 †FY2023FY2024FY2025TTM
Operating cash flow1,2241,2921,1221,1641,5361,6074691,3881,4191,2031,513688830
Capital expenditure11410085.0105144151119110102135126132137
Free cash flow1,1091,1921,0371,0591,3921,4563501,2771,3161,0681,388555693
Free cash flow margin10.6%11.1%9.4%9.4%12.0%12.1%2.7%10.6%11.0%8.6%10.8%4.2%5.2%
Cash from investing-887-713-716-499-930-1,394-268-1,341-956-726-344549-828
Cash from financing-329-569-419-688-590-223-88.7-169-419-450-1,152-1,241-998
Depreciation and amortisation87.999.5102103101110114120110109116123145
Share-based compensation22.623.821.929.526.326.630.435.452.764.147.853.6n/a
Buybacks3064184054023564000.050.02002509731,0101,118
Dividends paid159174183196216229232239254277296306308
Dividend per sharen/an/an/a$0.86$0.98$1.09$1.14$1.17$1.26$1.39$1.57$1.76n/a
Diluted shares, weighted257m248m236m227m220m210m204m205m202m198m188m173m160m
Shares outstanding at period endn/an/an/an/an/an/an/an/an/an/an/an/a158m
Filing10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K
Cash paid in the year, from the cash flow statement.
Read moreThe dividend per share is as declared. Diluted shares are the weighted average for the year; a falling count is the buybacks net of issuance. TTM sums the last four quarters; the share counts are the latest quarter's.

Balance sheet at year end

FY2014 †FY2015 †FY2016 †FY2017 †FY2018FY2019 †FY2020 †FY2021 †FY2022 †FY2023FY2024FY2025TTM
Funded by
Shareholders' equity8,5228,6648,9689,5758,6229,96510,8716,0348,7359,65110,96111,11910,810
Debt2,7812,8012,9992,9382,9713,3273,3463,4423,4303,4303,7403,7683,764
Other liabilities51,19549,12449,97451,50050,28253,72256,40960,64048,98450,17347,25848,63348,912
Total liabilities and equity62,49760,59061,94264,01361,87667,01370,62670,11661,14863,25561,95963,51963,485
Owned
Fixed assets532524501505547534498463452485488504506
Goodwill199231335339350352353352348350349354353
Securities held for sale or to maturity45,06543,35444,21745,45843,01247,44444,13743,33634,84136,83435,63033,05734,444
Securities borrowed17618217815916417696.694.888.563.162.776.167.6
Cash and equivalentsn/an/an/an/a94.084.119775.0119146163158199
Other assets16,52516,29916,71017,55317,70918,42325,34425,79525,30125,37725,26729,37127,916
Total assets62,49760,59061,94264,01361,87667,01370,62670,11661,14863,25561,95963,51963,485
Filing10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K
At the fiscal year end; the TTM column is the latest quarter end.
Read moreBoth totals are the company's own. Other liabilities is the filed total less the rows above it: payables, deferred revenue, taxes, borrowings the rows above do not carry and the rest; other assets is the same on the other side. Investments add the current and non-current lines as filed. Debt is the company's own stated total where it files one, otherwise its long-term debt with the current maturities, never parts added together. A row is left blank in a year where the lines shown overlap and the remainder would fall below nil.

Compounded growth

10 years5 years3 yearsTTM
Sales growth, compounded2.0%-0.1%2.9%3.4%
Profit growth, compounded-1.6%-1.4%-19.3%-53.7%
Return on equity, average11.4%13.7%12.1%6.6%
Yearly growth, compounded; TTM is the last four quarters against the four before.
Read moreReturn on equity is net income over shareholders' equity at each year end, averaged over the window (the TTM column is the latest year alone); equity is the parent's shareholders' equity as tagged in the 10-K. Arithmetic on filed numbers, nothing forecast.

Peers: Insurance

CompanyMarket capP/EROEOp. marginSales growth
TTM
Debt to equityDiv. yield
Aflac Inc. AFL$57.7 billion12.4016.0%32.0%13.6%0.282.0%
Principal Financial Group Inc. PFG$23.6 billion15.6412.8%11.9%3.7%0.362.8%
Reinsurance Group of America Inc. RGA$16.7 billion11.2411.0%7.2%19.4%0.421.4%
Corebridge Financial, Inc. CRBG$15.3 billion20.128.5%5.4%29.1%0.832.8%
Globe Life Inc. GL$15.3 billion11.0319.7%24.2%5.2%0.480.7%
Unum Group UNM$14.7 billion21.596.5%6.8%3.4%0.351.9%
Equitable Holdings, Inc. EQH$14.6 billionn/an/a-5.7%-22.1%n/a2.0%
Renaissancere Holdings Ltd. RNR$13.9 billion5.6522.3%39.6%-14.0%0.200.5%
Assurant, Inc. AIZ$13.5 billion13.0317.4%9.9%9.4%0.351.2%
Erie Indemnity Co. ERIE$11.8 billion20.5223.4%17.9%3.7%0.00n/a
American Financial Group Inc. AFG$11.8 billion12.4119.8%14.5%-0.2%0.385.1%
CNO Financial Group, Inc. CNO$5.0 billion18.4010.8%13.3%6.0%0.521.3%
All 52 in Insurance
CompanyMarket capP/EROEOp. marginSales growth
TTM
Debt to equityDiv. yield
Berkshire Hathaway Inc. BRK.B$1.09 trillion12.7311.5%15.0%3.9%n/an/a
UnitedHealth Group Inc. UNH$335.7 billion23.8713.5%4.8%6.5%0.672.4%
Chubb Ltd. CB$132.6 billion12.1614.8%23.1%8.0%0.231.1%
Progressive Corp. PGR$127.2 billion10.9734.1%16.2%10.5%0.246.4%
Elevance Health, Inc. ELV$86.9 billion17.8211.1%2.7%6.3%0.691.7%
Marsh & Mclennan Companies, Inc. MRSH$83.0 billion21.2325.8%21.6%8.3%1.272.0%
Travelers Companies, Inc. TRV$77.2 billion9.8725.1%21.1%2.4%0.270.8%
Cigna Group CI$74.3 billion11.6315.1%3.5%7.8%0.682.1%
Manulife Financial Corporation MFC *$69.9 billion19.3511.1%n/an/a0.153.4%
Metlife Inc. MET$62.8 billion18.8313.2%8.3%8.7%0.522.3%
Arthur J. Gallagher & Co. AJG$60.0 billion38.816.6%12.6%26.3%0.571.1%
Aon plc AON$58.8 billion15.2840.8%26.5%4.9%1.351.1%
Allstate Corp. ALL$58.6 billion4.6139.4%23.2%5.9%0.221.7%
Aflac Inc. AFL$57.7 billion12.4016.0%32.0%13.6%0.282.0%
Humana Inc. HUM$46.5 billion36.626.7%1.9%18.3%0.620.9%
Sun Life Financial Inc. SLF *$42.0 billion17.5714.5%n/a8.0%0.333.5%
American International Group, Inc. AIG$40.4 billion14.097.3%13.6%-4.2%0.222.3%
Prudential Financial Inc. PRU$39.2 billion10.2912.4%7.6%9.4%0.624.8%
Hartford Insurance Group, Inc. HIG$35.1 billion8.3722.2%17.3%7.0%0.221.7%
Arch Capital Group Ltd. ACGL$32.8 billion7.5119.5%26.9%0.4%0.185.2%
Centene Corp. CNC$31.9 billionn/a-22.6%-2.8%13.9%0.71n/a
Everest Group, Ltd. EG$27.8 billion7.8912.4%13.4%-5.1%0.032.1%
Willis Towers Watson plc WTW$27.7 billion18.3220.4%22.2%3.0%0.751.2%
W. R. Berkley Corp. WRB$26.7 billion14.7919.6%n/a4.3%n/a2.6%
Cincinnati Financial Corp. CINF$25.4 billion7.7920.0%29.8%19.6%0.052.1%
Principal Financial Group Inc. PFG$23.6 billion15.6412.8%11.9%3.7%0.362.8%
Loews Corp. L$22.0 billion13.208.8%12.3%3.5%0.470.2%
Brown & Brown, Inc. BRO$21.0 billion20.119.6%n/a34.2%0.621.0%
Reinsurance Group of America Inc. RGA$16.7 billion11.2411.0%7.2%19.4%0.421.4%
Corebridge Financial, Inc. CRBG$15.3 billion20.128.5%5.4%29.1%0.832.8%
Globe Life Inc. GL$15.3 billion11.0319.7%24.2%5.2%0.480.7%
Unum Group UNM$14.7 billion21.596.5%6.8%3.4%0.351.9%
Equitable Holdings, Inc. EQH$14.6 billionn/an/a-5.7%-22.1%n/a2.0%
Renaissancere Holdings Ltd. RNR$13.9 billion5.6522.3%39.6%-14.0%0.200.5%
Assurant, Inc. AIZ$13.5 billion13.0317.4%9.9%9.4%0.351.2%
Erie Indemnity Co. ERIE$11.8 billion20.5223.4%17.9%3.7%0.00n/a
American Financial Group Inc. AFG$11.8 billion12.4119.8%14.5%-0.2%0.385.1%
Fidelity National Financial, Inc. FNF$10.7 billion13.8610.4%11.3%13.0%0.595.1%
Molina Healthcare, Inc. MOH$10.2 billionn/a-0.2%0.5%2.6%0.90n/a
OLD Republic International Corp. ORI$9.3 billion8.4518.7%14.8%12.1%n/a9.5%
Voya Financial, Inc. VOYA$8.8 billion16.3013.0%9.1%3.2%0.451.9%
Primerica, Inc. PRI$8.5 billion11.0731.5%29.9%8.6%0.241.5%
Kinsale Capital Group, Inc. KNSL$7.7 billion13.7627.9%35.7%15.8%0.110.2%
Hanover Insurance Group, Inc. THG$7.7 billion10.5920.6%15.4%5.6%0.23n/a
First American Financial Corp. FAF$6.4 billion8.7013.3%12.3%22.6%n/a3.5%
Mgic Investment Corp. MTG$5.8 billion8.7114.1%74.0%-1.9%0.132.2%
Essent Group Ltd. ESNT$5.7 billion8.8712.0%62.0%4.3%0.082.1%
RLI Corp. RLI$5.2 billion11.8325.0%28.0%8.7%0.174.7%
Selective Insurance Group Inc. SIGI$5.1 billion10.5613.6%11.5%7.0%0.251.8%
CNO Financial Group, Inc. CNO$5.0 billion18.4010.8%13.3%6.0%0.521.3%
Brighthouse Financial, Inc. BHF$2.8 billion3.9412.7%14.7%2.6%0.48n/a
Ryan Specialty Holdings, Inc. RYANn/an/a19.4%14.8%14.4%7.13n/a
3 companies share its SEC industry code (Accident & Health Insurance); the rest are the names nearest in size in its wider industry, Insurance, one of the Fama-French 48 industries, a published grouping of SEC industry codes.
Read moreBy market capitalisation; a click on a heading sorts by it, largest first, and a second click turns it round. Each figure is the same arithmetic as the ratio box above, on each company's own filings and latest close; a name marked * is a foreign company that files once a year, on its latest fiscal year.

Filings

FilingPeriodFiledWhere
10-Q30 June 202629 July 2026EDGAR
10-Q31 March 202629 April 2026EDGAR
10-K31 December 202517 February 2026EDGAR
10-Q30 September 20254 November 2025EDGAR
10-Q30 June 202530 July 2025EDGAR
10-Q31 March 202530 April 2025EDGAR
10-K31 December 202427 February 2025EDGAR
10-Q30 September 202430 October 2024EDGAR
10-Q30 June 202431 July 2024EDGAR
10-Q31 March 20241 May 2024EDGAR

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