UNMA

MKT CAP:$5B

Unum Group 6.250% JR NT58

Market Cap

$5B

Financial Services·Insurance - Diversified·🇺🇸 United States·NYSE

Financials·Insurance·🇺🇸·NYSE

Stock Price

$23.68+$0.35 (+1.50%)

Apr 24, 2026

Company Details

Unum Group engages in the provision of financial protection benefits. Its services include disability, life, accident, critical illness, dental, vision, and other related services. It operates through the following segments: Unum US, Unum I...

CEO

None

IPO Date

Jun 19, 2018

Website

www.unum.com

Key Metrics TTM

Revenue

$13.1B

+1.5% YoY

Net Income

$739M

EPS (Diluted)

$4.25

Free Cash Flow

$555M

Revenue / Share

$77.81

Gross Margin

38.2%

Operating Margin

50.4%

Net Margin

5.6%

FCF Margin

4.2%

P/S

0.4x

P/E

7.3x

Earnings Reports

Q1 2026

Apr 28, 2026

PENDING

FY 2025

Feb 17, 2026

$13.1B+1.5%EPS $4.28

Q4 2025

Feb 17, 2026

$3.2B+0.5%EPS $1.04

Q3 2025

Nov 4, 2025

$3.4B+5.0%EPS $0.23

Q2 2025

Jul 30, 2025

$3.4B+4.0%EPS $1.92

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q2 21	$3.0B	$2.9B	$389M
Q3 21	$3.0B	$2.9B	$467M
Q4 21	$3.0B	$2.9B	$242M
Q1 22	$3.0B	$3.0B	$2.7B
Q1 23	$3.0B	$3.0B	$499M
Q2 23	$3.1B	$3.0B	$547M
Q3 23	$3.1B	$2.9B	$262M
Q4 23	$3.2B	$3.1B	$478M
Q1 24	$3.2B	$1.4B	$2.9B
Q2 24	$3.2B	$3.2B	$2.9B
Q3 24	$3.2B	$3.1B	$886M
Q4 24	$3.2B	$3.5B	$2.9B
Q1 25	$3.1B	$3.1B	$213M
Q2 25	$3.4B	$3.4B	$3.1B
Q3 25	$3.4B	$3.4B	$3.1B
Q4 25	$3.2B	-$4.8B	$218M

Valuation

Quarter	P/S	P/E
Q2 21	0.4x	7.6x
Q3 21	0.4x	6.7x
Q4 21	0.4x	6.5x
Q1 22	0.4x	5.9x
Q1 23	0.4x	4.9x
Q2 23	0.4x	4.7x
Q3 23	0.4x	4.5x
Q4 23	0.4x	4.2x
Q1 24	0.4x	4.1x
Q2 24	0.4x	4.1x
Q3 24	0.4x	3.0x
Q4 24	0.4x	3.0x
Q1 25	0.4x	3.4x
Q2 25	0.4x	3.5x
Q3 25	0.4x	5.9x
Q4 25	0.4x	7.3x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q2 21	$706M	$680M
Q3 21	$455M	$430M
Q4 21	$480M	$452M
Q1 22	$326M	$304M
Q1 23	$151M	$122M
Q2 23	$314M	$286M
Q3 23	$395M	$362M
Q4 23	$344M	$298M
Q1 24	$298M	$270M
Q2 24	$339M	$311M
Q3 24	$390M	$352M
Q4 24	$486M	$454M
Q1 25	$354M	$318M
Q2 25	$348M	$320M
Q3 25	-$372M	-$403M
Q4 25	$358M	$320M

Capital Expenditures

Quarter	CapEx
Q2 21	$27M
Q3 21	$25M
Q4 21	$28M
Q1 22	$22M
Q1 23	$29M
Q2 23	$27M
Q3 23	$33M
Q4 23	$46M
Q1 24	$28M
Q2 24	$28M
Q3 24	$38M
Q4 24	$32M
Q1 25	$36M
Q2 25	$28M
Q3 25	$31M
Q4 25	$38M

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q2 21	-0.9%	+1016.6%
Q3 21	-0.9%	+888.2%
Q4 21	-30.3%	-33.3%
Q1 22	-3.0%	+4.8%
Q1 23	+1.6%	-2.4%
Q2 23	+4.9%	+2.6%
Q3 23	+3.8%	+3.4%
Q4 23	+5.8%	+977.8%
Q1 24	+5.5%	-87.7%
Q2 24	+3.8%	-88.5%
Q3 24	+4.0%	-17.7%
Q4 24	+2.4%	-89.5%
Q1 25	-3.6%	+817.5%
Q2 25	+4.0%	-1.3%
Q3 25	+5.0%	-87.5%
Q4 25	+0.5%	+981.8%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q2 21	$0	0.0%
Q3 21	$0	0.0%
Q4 21	$35M	1.2%
Q1 22	$0	0.0%
Q1 23	$0	0.0%
Q2 23	$0	0.0%
Q3 23	$0	0.0%
Q4 23	$0	0.0%
Q1 24	$0	0.0%
Q2 24	$0	0.0%
Q3 24	$0	0.0%
Q4 24	$48M	1.5%
Q1 25	$0	0.0%
Q2 25	$0	0.0%
Q3 25	$0	0.0%
Q4 25	$0	0.0%

OpEx Breakdown

Quarter	SG&A
Q2 21	$247M
Q3 21	$242M
Q4 21	$285M
Q1 23	$275M
Q2 23	$294M
Q3 23	$298M
Q4 23	$312M
Q1 24	$306M
Q2 24	$296M
Q3 24	$2.2B
Q1 25	$2.9B

Revenue Segments

Quarter	Closed Block	Colonial Life	Unum International	Unum US	Corporate and Other
Q2 21	$556M	$462M	$219M	$1.7B	—
Q3 21	$554M	$473M	$215M	$1.7B	—
Q1 22	$531M	$469M	$223M	$1.8B	—
Q1 23	$502M	$467M	$220M	$1.8B	—
Q2 23	$507M	$469M	$254M	$1.9B	—
Q3 23	$514M	$471M	$238M	$1.9B	$18M
Q4 23	$511M	$474M	$252M	$1.9B	$85M
Q1 24	$511M	$489M	$258M	$1.9B	—
Q2 24	$528M	$487M	$267M	$1.9B	—
Q3 24	$514M	$482M	$277M	$1.9B	—
Q4 24	$530M	$491M	$277M	$1.9B	—
Q1 25	$498M	$500M	—	$2.0B	—
Q2 25	$513M	$505M	$318M	$2.0B	—

War Chest

Quarter	Cash	Short-term Investments	Total
Q1 22	$107M	$0	$107M
Q2 22	$151M	$0	$151M
Q3 22	$143M	$0	$143M
Q4 22	$119M	$0	$119M
Q1 23	$123M	$0	$123M
Q2 23	$108M	$0	$108M
Q3 23	$166M	$0	$166M
Q4 23	$146M	$0	$146M
Q1 24	$279M	$0	$279M
Q2 24	$133M	$0	$133M
Q3 24	$163M	$0	$163M
Q4 24	$163M	$1.4B	$1.6B
Q1 25	$238M	$0	$238M
Q2 25	$1.2B	$0	$1.2B
Q3 25	$328M	$0	$328M
Q4 25	$158M	$0	$158M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q2 21	205M	+0.3%	+0.8%
Q3 21	205M	-0.1%	+0.6%
Q4 21	204M	-0.4%	+0.1%
Q1 22	204M	-0.4%	-0.6%
Q1 23	200M	-2.0%	-2.8%
Q2 23	198M	-0.7%	-3.4%
Q3 23	197M	-0.5%	-3.5%
Q4 23	195M	-0.8%	-3.9%
Q1 24	193M	-1.1%	-3.1%
Q2 24	190M	-1.5%	-3.9%
Q3 24	187M	-1.8%	-5.2%
Q4 24	187M	+0.3%	-4.1%
Q1 25	179M	-4.6%	-7.4%
Q2 25	179M	0.0%	-6.0%
Q3 25	171M	-4.6%	-8.7%
Q4 25	168M	-1.5%	-10.4%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q2 21	$279.7K	11K
Q3 21	$277.5K	11K
Q4 21	$289.2K	10K
Q1 22	$289.4K	10K
Q1 23	$278.0K	11K
Q2 23	$284.9K	11K
Q3 23	$282.8K	11K
Q4 23	$291.7K	11K
Q1 24	$296.7K	11K
Q2 24	$299.1K	11K
Q3 24	$297.5K	11K
Q4 24	$291.8K	11K
Q1 25	$279.5K	11K
Q2 25	$303.8K	11K
Q3 25	$305.4K	11K
Q4 25	$297.4K	11K

Revenue / Employee