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Financials · UNM

Unum Group (UNM) financials

For the twelve months ended Sep 30, 2026, Unum Group reported $12.52B of revenue and $243.30M of net income.

Revenue, TTM
$12.52B
Revenue growth, YoY
-4.2%
Net income, TTM
$243.30M
Net income growth, YoY
-73.4%
Net margin
1.9%
Free cash flow, TTM
$1.63B
EPS, diluted, TTM
$1.43
EPS growth, YoY
-72.1%
Cash
$279.90M
Total debt
$3.77B
P/E
48.89
P/S
0.95
Market cap
$11.89B
Annual revenue$13.08B
FY2016FY2025
Annual net income$738.50M
FY2016FY2025
Annual free cash flow$555.40M
FY2016FY2025

UNM revenue and earnings growth

UNM revenueQ3 2026$2.55B

Quarter YoY
-24.6%
QoQ
-24.4%
FY YoY
+1.5%
5Y CAGR
-0.1%
10Y CAGR
+2.0%

UNM revenue was $2.55B in fiscal Q3 2026 (ended Sep 30, 2026), down 24.6% from a year earlier and down 24.4% from the prior quarter. For the full fiscal 2025 it was $13.08B, up 1.5% from fiscal 2024. Compound annual growth was -0.1% over 5 years and +2.0% over 10 years. It rose in 8 of the last 10 fiscal years.

UNM net incomeQ3 2026-$419.70M

FY YoY
-58.5%
5Y CAGR
-1.4%
10Y CAGR
-1.6%

UNM net income was -$419.70M in fiscal Q3 2026 (ended Sep 30, 2026), compared with $39.70M a year earlier. For the full fiscal 2025 it was $738.50M, down 58.5% from fiscal 2024. Compound annual growth was -1.4% over 5 years and -1.6% over 10 years. It rose in 6 of the last 10 fiscal years.

UNM EPSQ3 2026-$2.65

FY YoY
-54.9%
5Y CAGR
+1.9%
10Y CAGR
+2.0%

UNM diluted EPS was -$2.65 in fiscal Q3 2026 (ended Sep 30, 2026), compared with $0.23 a year earlier. For the full fiscal 2025 it was $4.27, down 54.9% from fiscal 2024. Compound annual growth was +1.9% over 5 years and +2.0% over 10 years.

UNM free cash flowQ3 2026$529.60M

QoQ
+11.7%
FY YoY
-60.0%
5Y CAGR
+9.7%
10Y CAGR
-7.4%

UNM free cash flow was $529.60M in fiscal Q3 2026 (ended Sep 30, 2026), compared with -$402.60M a year earlier and up 11.7% from the prior quarter. For the full fiscal 2025 it was $555.40M, down 60.0% from fiscal 2024. Compound annual growth was +9.7% over 5 years and -7.4% over 10 years. It rose in 6 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$13.08B$12.89B$12.39B$11.98B$12.01B$13.16B$12.00B$11.60B$11.29B$11.05B
Pre-tax income$933.50M$2.25B$1.64B$1.75B$1.26B$964.00M$1.38B$627.80M$1.40B$1.35B
Income tax$195.00M$472.20M$356.30M$342.80M$279.60M$171.00M$281.80M$104.40M$409.80M$416.30M
Net income$738.50M$1.78B$1.28B$1.41B$981.00M$793.00M$1.10B$523.40M$994.20M$931.40M
EPS, basic$4.28$9.49$6.53$7.01$4.80$3.89$5.25$2.38$4.39$3.96
EPS, diluted$4.27$9.46$6.50$6.96$4.79$3.89$5.24$2.38$4.37$3.95
Diluted shares172.9M188.1M197.6M202.1M204.8M203.8M209.9M220.1M227.3M236.0M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$158.20M$162.80M$146.00M$119.20M$75.00M$197.00M$84.10M$94.00M$77.40M$100.40M
Goodwill$353.90M$349.10M$349.90M$347.60M$352.20M$353.00M$351.70M$350.30M$338.60M$335.10M
Total assets$63.52B$61.96B$63.26B$61.15B$70.12B$70.63B$67.01B$61.88B$64.01B$61.94B
Short-term debt$0$274.60M$0$2.00M$0$0$399.70M$0$199.90M$0
Long-term debt$3.77B$3.47B$3.43B$3.43B$3.44B$3.35B$2.93B$2.97B$2.74B$3.00B
Total debt$3.77B$3.74B$3.43B$3.43B$3.44B$3.35B$3.33B$2.97B$2.94B$3.00B
Total liabilities$52.40B$51.00B$53.60B$52.41B$58.70B$59.75B$57.05B$53.25B$54.44B$52.97B
Shareholders' equity$11.12B-$2.52B$9.65B-$3.45B-$5.16B-$6.31B$37.30M-$814.20M$127.50M-$51.00M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$687.70M$1.51B$1.20B$1.42B$1.39B$469.30M$1.61B$1.54B$1.16B$1.12B
Capital expenditures$132.30M$125.70M$134.80M$102.20M$110.30M$119.10M$150.90M$144.10M$105.30M$85.00M
Free cash flow$555.40M$1.39B$1.07B$1.32B$1.28B$350.20M$1.46B$1.39B$1.06B$1.04B
Investing cash flow$548.90M-$344.40M-$725.90M-$955.90M-$1.34B-$267.70M-$1.39B-$930.10M-$499.30M-$715.50M
Financing cash flow-$1.24B-$1.15B-$450.10M-$418.60M-$168.90M-$88.70M-$223.00M-$589.80M-$687.80M-$418.60M
Dividends paid$306.20M$296.50M$277.10M$254.20M$239.40M$231.90M$229.20M$215.60M$196.00M$182.60M
Share repurchases$1.01B$972.90M$250.10M$200.10M$50.00M$0$400.30M$356.20M$401.80M$405.20M
Depreciation and amortization$123.00M$116.10M$108.80M$110.50M$119.80M$113.60M$110.10M$101.40M$103.40M$101.70M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY1.5%4.0%3.4%-0.2%-8.8%9.7%3.5%2.8%2.2%2.9%
Net income growth, YoY-58.5%38.6%-8.8%43.4%23.7%-27.9%110.2%-47.4%6.7%7.4%
EPS growth, YoY-54.9%45.5%-6.6%45.3%23.1%-25.8%120.2%-45.5%10.6%12.9%
Net margin5.6%13.8%10.4%11.7%8.2%6.0%9.2%4.5%8.8%8.4%
Free cash flow margin4.2%10.8%8.6%11.0%10.6%2.7%12.1%12.0%9.4%9.4%
Return on equity6.6%-13.3%---2949.9%-779.8%-
Return on assets1.2%2.9%2.0%2.3%1.4%1.1%1.6%0.8%1.6%1.5%
Debt to equity0.34-0.36---89.18-23.05-

Source: XBRL data Unum Group files with the SEC, latest filing dated Nov 4, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

UNM peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
UNM$12.52B-4.2%$243.30M1.9%$11.89B
AFL$16.60B-6.2%$3.53B21.2%$62.20B
PFG$16.63B+5.2%$1.98B11.9%$23.55B
CNO$4.54B+2.3%$417.60M9.2%$5.13B

UNM FAQ

8 questions
  • What is UNM revenue?
    Unum Group (UNM) reported $12.52B of revenue for the twelve months ended Sep 30, 2026. That is down 4.2% from the year before. Revenue for fiscal 2025 was $13.08B.
  • Is UNM profitable?
    Yes. Unum Group earned $243.30M in net income for the twelve months ended Sep 30, 2026, a net margin of 1.9%.
  • How much cash and debt does UNM have?
    Unum Group reported $279.90M in cash and cash equivalents and $3.77B of debt on its most recent balance sheet in SEC filings.
  • How fast is UNM revenue growing?
    Unum Group's revenue changed +1.5% in fiscal 2025, to $13.08B. Its compound annual growth rate was -0.1% over 5 years and +2.0% over 10 years.
  • What is UNM free cash flow?
    Unum Group generated $1.63B of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $1.76B less capital expenditures.
  • What is UNM earnings per share?
    Diluted earnings per share were $1.43 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did UNM last report financial results?
    The latest statements here come from Unum Group's 10-Q filed on Nov 4, 2026, covering the period ended Sep 30, 2026.
  • Where does this UNM financial data come from?
    Quantisnow builds these statements from the structured XBRL data Unum Group files with the SEC. It is provided for information only and is not investment advice.