Unum Group (UNM)
Unum Group, together with its subsidiaries, provides financial protection benefit solutions in the United States, the United Kingdom, and Poland. It operates through Unum US, Unum International, Colonial Life, and Closed Block segments. The company offers group long-term and short-term disability, group life, and accidental death and dismemberment products; supplemental and voluntary products, such as voluntary benefits, individual disability, and dental and vision products; and accident, sickness, disability, life, and cancer and critical illness products. It also provides group pensions, individual life and corporate-owned life insurance, reinsurance pools and management operations, and other miscellaneous products. The company sells its products to employers for the benefit of employees. It sells its products through field sales personnel, independent brokers, consultants, and independent contractor agent sales force and brokers. Unum Group was formerly known as UnumProvident Corporation and changed its name to Unum Group in March 2007. The company was founded in 1848 and is based in Chattanooga, Tennessee.
- Symbol
- UNM
- Exchange
- NYSE
- Sector
- Financial Services
- Industry
- Insurance - Life
- Market cap
- $14.90B
- 52 week range
- 69.02 - 96.77
Valuation
- Share price
- $94.46 (close of 2026-09-23)
- P/E (TTM)
- 21.65x
- Price to book
- -7.97x
- Price to free cash flow
- 21.50x
- Enterprise value
- $18.46B
- Book value per share
- $-11.71
Price performance
| Period | Change |
|---|
| 1 day | +0.96% |
| 5 days | -1.48% |
| 1 month | +7.62% |
| 3 months | +3.42% |
| 6 months | +28.96% |
| Year to date | +21.88% |
| 1 year | +23.16% |
| 3 years | +89.07% |
| 5 years | +291.79% |
| 10 years | +169.81% |
| All time | +1249.43% |
Profitability and growth
- Return on equity
- -40.83%
- Return on assets
- 1.16%
- Net margin
- 5.65%
- EBITDA margin
- 9.68%
- Revenue growth
- 1.46%
- Net income growth
- -58.49%
- Free cash flow growth
- -59.97%
Cash flow and balance sheet
- Free cash flow yield (TTM)
- 4.65%
- Net debt to EBITDA
- 3.10x
Latest reported year
- Period end
- 2025-12-31
- Fiscal year
- 2025
- Revenue
- $13.08B
- EBITDA
- $1.27B
- Net income
- $738.50M
- Earnings per share
- $4.28
- Interest expense
- $208.80M
- Shares outstanding
- 172.51M
Income statement by year
| Period end | Revenue | Net income | EPS |
|---|
| 2025-12-31 | $13.08B | $738.50M | $4.28 |
| 2024-12-31 | $12.89B | $1.78B | $9.49 |
| 2023-12-31 | $12.39B | $1.28B | $6.53 |
| 2022-12-31 | $11.98B | $1.41B | $7.01 |
| 2021-12-31 | $12.01B | $981.00M | $4.80 |
| 2020-12-31 | $13.16B | $793.00M | $3.89 |
| 2019-12-31 | $12.00B | $1.10B | $5.25 |
| 2018-12-31 | $11.60B | $523.40M | $2.38 |
| 2017-12-31 | $11.29B | $994.20M | $4.39 |
| 2016-12-31 | $11.05B | $931.40M | $3.96 |
Margins and returns by year
| Period end | Net margin | Return on equity |
|---|
| 2025-12-31 | 5.65% | -40.83% |
| 2024-12-31 | 13.81% | -70.50% |
| 2023-12-31 | 10.37% | -38.81% |
| 2022-12-31 | 11.74% | -40.81% |
| 2021-12-31 | 8.17% | -18.99% |
| 2020-12-31 | 6.02% | -12.57% |
| 2019-12-31 | 9.17% | 2949.87% |
| 2018-12-31 | 4.51% | -64.28% |
| 2017-12-31 | 8.81% | 779.76% |
| 2016-12-31 | 8.43% | -1826.27% |
Cash and debt by year
| Period end | Cash | Debt |
|---|
| 2025-12-31 | $158.20M | $3.77B |
| 2024-12-31 | $162.80M | $3.47B |
| 2023-12-31 | $146.00M | $3.43B |
| 2022-12-31 | $119.20M | $3.43B |
| 2021-12-31 | $75.00M | $3.44B |
| 2020-12-31 | $197.00M | $3.35B |
| 2019-12-31 | $84.10M | $2.93B |
| 2018-12-31 | - | $2.97B |
| 2017-12-31 | - | $2.74B |
| 2016-12-31 | - | $3.00B |
Free cash flow by year
| Period end | Free cash flow | Stock-based compensation |
|---|
| 2025-12-31 | $555.40M | $53.60M |
| 2024-12-31 | $1.39B | $47.80M |
| 2023-12-31 | $1.07B | $64.10M |
| 2022-12-31 | $1.32B | $52.70M |
| 2021-12-31 | $1.28B | $35.40M |
| 2020-12-31 | $350.20M | $30.40M |
| 2019-12-31 | $1.46B | $26.60M |
| 2018-12-31 | $1.39B | $26.30M |
| 2017-12-31 | $1.06B | $29.50M |
| 2016-12-31 | $1.04B | $21.90M |
Dividend history
- Most recent payment
- 2026-07-24
- Paid in the last twelve months
- $1.89
| Payment date | Dividend per share |
|---|
| 2026-07-24 | $0.51 |
| 2026-04-24 | $0.46 |
| 2026-01-30 | $0.46 |
| 2025-10-24 | $0.46 |
| 2025-07-25 | $0.46 |
| 2025-04-25 | $0.42 |
| 2025-01-24 | $0.42 |
| 2024-10-25 | $0.42 |
Investor relations
Next earnings report
- Next confirmed report
- 2026-11-02
- Consensus EPS estimate
- $2.17
Past earnings dates
| Reported | Fiscal period | EPS estimate |
|---|
| 2026-07-28 | Jun/2026 | $2.14 |
| 2026-04-28 | - | - |
| 2026-02-05 | - | - |
| 2025-11-03 | - | - |
| 2025-07-29 | - | - |
| 2025-04-29 | - | - |
| 2025-02-04 | - | - |
| 2024-10-29 | - | - |
Filings and sources
- Company website
- unum.com
- SEC filings
- 10-K, 10-Q and 8-K on EDGAR
- Earnings calendar
- All upcoming reports
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