Unum Group financial metrics

Professional SEC-based dashboard for profitability, financial health, and growth with transparent scoring logic. Latest period: Q4 2025.

Symbol
UNM, UNMA on NYSE
Location
Chattanooga, TN
Fiscal year end
31 December
Latest financial report
17 Feb 2026

Quick Takeaways

  • UNM - Unum Group financial facts are built from SEC company filings data.
  • Latest metrics period on this page: Q4 2025.
  • Headline metric: Return On Equity 6.7%.

What Changed

  • Return On Equity YoY change: <span class="text-red-600">-61%</span>.
  • Most recent SEC facts end date: 13 Feb 2026.

Why This Matters

  • This gives a beginner-friendly first read before you inspect detailed formulas and metric tables.
  • Every metric card links to a deeper SEC-backed history page for verification.

Official SEC Source

Based on latest 10-Q/10-K

Facts and ratios are grounded in SEC company facts linked to the latest 10-Q/10-K cycle.

See Original Filing

Latest SEC snapshot (2026-02-13) highlights Return On Equity 6.7%, Return On Assets 1.2%, and Debt-to-equity 0.34x.

Financial Quality Score

Transparent 0-100 scoring model based on profitability, financial health, and growth factors.

24.7/100

Weak Confidence medium

Return On Equity

6.7%

Metric score 0.0/100

Return On Assets

1.2%

Metric score 0.0/100

Financial Health

Debt to Equity
0.34x

Strengths

Debt-to-equity

Watchpoints

Return On Equity, Return On Assets, and Revenues YoY

Key metrics snapshot

Profitability

Metric Latest value YoY change
Return On Equity 6.7% -61%
Return On Assets 1.2% -59%

Financial Health

Metric Latest value YoY change
Debt-to-equity 0.34x +7.2%

Growth

Metric Latest value YoY change
Revenues YoY 1.5%
NetIncomeLoss YoY -58%

Share Metrics

Metric Latest value YoY change
Entity Common Stock, Shares Outstanding 163,753,818
Common Stock, Value, Issued $19,600,000 +0.51%
Weighted Average Number of Shares Outstanding, Basic 172,511,500 -8%
Weighted Average Number of Shares Outstanding, Diluted 172,921,600 -8.1%

Additional Metrics

Metric Latest value YoY change
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $933,500,000 -59%
Income Tax Expense (Benefit) $195,000,000 -59%
Earnings Per Share, Basic 4.28 -55%
Earnings Per Share, Diluted 4.27 -55%
Other Long-term Investments $1,670,400,000 -1.4%
Deferred Income Tax Assets, Net $79,500,000 -78%
Property, Plant and Equipment, Net $503,700,000 +3.3%
Operating Lease, Right-of-Use Asset $55,700,000 +24%
Goodwill $353,900,000 +1.4%
Assets $63,519,400,000 +2.5%
Long-term Debt and Lease Obligation $3,767,600,000 +8.7%
Deferred Income Tax Liabilities, Net $38,800,000 +25%
Liabilities $52,400,300,000 +2.7%
Accumulated Other Comprehensive Income (Loss), Net of Tax $1,808,500,000 +28%
Retained Earnings (Accumulated Deficit) $13,345,300,000 +3.3%
Stockholders' Equity Attributable to Parent $11,119,100,000 +1.4%
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest $1,808,500,000 +28%
Liabilities and Equity $63,519,400,000 +2.5%
Common Stock, Shares Authorized 725,000,000 0%
Common Stock, Shares, Issued 196,194,941 +0.38%
Common Stock, Par or Stated Value Per Share 0.1 0%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $158,200,000 -2.8%
Deferred Tax Assets, Valuation Allowance $11,500,000 -5%
Deferred Tax Assets, Gross $666,000,000 -14%
Operating Lease, Liability $78,900,000 +14%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $1,453,700,000 -43%
Lessee, Operating Lease, Liability, to be Paid $90,800,000 +11%
Lessee, Operating Lease, Liability, to be Paid, Year Two $19,600,000 +23%
Lessee, Operating Lease, Liability, to be Paid, Year One $22,400,000 +29%
Operating Lease, Weighted Average Discount Rate, Percent 0.0514 -0.96%
Deferred Income Tax Expense (Benefit) $123,300,000 +207%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $11,900,000 -1.7%
Lessee, Operating Lease, Liability, to be Paid, Year Three $17,600,000 +29%
Preferred Stock, Shares Issued 0
Current Income Tax Expense (Benefit) $71,700,000 -83%
Preferred Stock, Shares Authorized 25,000,000 0%
Unrecognized Tax Benefits $115,300,000 -15%
Lessee, Operating Lease, Liability, to be Paid, Year Four $15,300,000 +23%
Deferred Tax Assets, Net of Valuation Allowance $654,500,000 -14%
Preferred Stock, Par or Stated Value Per Share 0.1 0%

How we score

This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.

Metric Weight V1 threshold
ROIC205% to 20%
ROE158% to 25%
ROA102% to 10%
Operating Margin55% to 25%
Current Ratio121.0x to 2.0x
Quick Ratio80.8x to 1.5x
Debt to Equity100.3x to 2.0x (lower is better)
Revenue YoY10-10% to +20%
Net Income YoY10-10% to +20%

How Calculated (standard_v1)

Metrics are computed with a market-consensus convention designed for cross-portal comparability.

  • TTM Operating Income / TTM Revenues
  • Current Assets / Current Liabilities (latest instant quarter)
  • (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
  • Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
  • TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
  • TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
  • TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
  • TTM Revenues YoY
  • TTM Net Income YoY