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STOCKS

Unum Group (UNM)

NYSE:UNM

UNM

Unum Group

RESEARCH TOOLSreports

Unum Group (UNM) Ratios

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901 Followers

Unum Group Ratios

UNM's free cash flow for Q3 2025 was $0.22. For the 2025 fiscal year, UNM's free cash flow was decreased by $ and operating cash flow was $0.03. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	2.33	2.40	4.23	4.36	4.31
Quick Ratio	2.33	2.40	4.23	4.36	4.31
Cash Ratio	0.43	0.24	0.37	0.32	0.20
Solvency Ratio	0.02	0.04	0.03	0.03	0.02
Operating Cash Flow Ratio	1.06	2.24	3.01	3.86	3.75
Short-Term Operating Cash Flow Coverage	2.97	5.18	62.65	709.35	61.39
Net Current Asset Value	$ -50.98B	$ -49.77B	$ -52.27B	$ -51.19B	$ -58.22B
Leverage Ratios
Debt-to-Assets Ratio	0.06	0.06	0.06	0.06	0.05
Debt-to-Equity Ratio	0.34	0.35	0.37	0.39	0.31
Debt-to-Capital Ratio	0.26	0.26	0.27	0.28	0.24
Long-Term Debt-to-Capital Ratio	0.24	0.24	0.26	0.28	0.23
Financial Leverage Ratio	5.84	5.69	6.59	7.04	6.24
Debt Service Coverage Ratio	2.56	4.25	7.42	8.96	6.19
Interest Coverage Ratio	5.56	11.19	8.42	9.28	6.81
Debt to Market Cap	0.30	0.28	0.39	0.42	0.70
Interest Debt Per Share	23.23	21.79	18.97	18.03	18.46
Net Debt to EBITDA	2.30	1.44	1.74	1.62	2.24
Profitability Margins
Gross Profit Margin	29.05%	37.09%	32.76%	33.09%	28.02%
EBIT Margin	10.55%	19.17%	14.91%	16.32%	12.21%
EBITDA Margin	11.46%	20.08%	15.79%	17.25%	13.22%
Operating Profit Margin	8.94%	17.60%	13.32%	14.74%	10.65%
Pretax Profit Margin	8.94%	17.60%	13.32%	14.74%	10.65%
Net Profit Margin	7.03%	13.91%	10.43%	11.85%	8.29%
Continuous Operations Profit Margin	7.03%	13.91%	10.43%	11.85%	8.29%
Net Income Per EBT	78.67%	79.03%	78.28%	80.41%	77.82%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	1.43%	2.85%	2.02%	2.29%	1.38%
Return on Equity (ROE)	8.23%	16.23%	13.30%	16.11%	8.59%
Return on Capital Employed (ROCE)	1.84%	3.65%	2.59%	2.86%	1.78%
Return on Invested Capital (ROIC)	1.45%	2.87%	2.03%	2.30%	1.38%
Return on Tangible Assets	1.44%	2.87%	2.03%	2.30%	1.38%
Earnings Yield	7.09%	13.07%	14.44%	17.09%	19.55%
Efficiency Ratios
Receivables Turnover	8.88	8.77	7.97	8.01	7.79
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	26.14	24.01	23.62	24.26	23.13
Asset Turnover	0.20	0.21	0.19	0.19	0.17
Working Capital Turnover Ratio	8.69	11.44	9.75	9.66	9.23
Cash Conversion Cycle	41.11	41.64	45.78	45.56	46.86
Days of Sales Outstanding	41.11	41.64	45.78	45.56	46.86
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	41.11	41.64	45.78	45.56	46.86
Cash Flow Ratios
Operating Cash Flow Per Share	4.79	8.12	6.12	7.07	6.79
Free Cash Flow Per Share	4.05	7.44	5.43	6.56	6.25
CapEx Per Share	0.74	0.67	0.69	0.51	0.54
Free Cash Flow to Operating Cash Flow	0.84	0.92	0.89	0.93	0.92
Dividend Paid and CapEx Coverage Ratio	1.89	3.58	2.92	3.98	3.97
Capital Expenditure Coverage Ratio	6.45	12.04	8.92	13.88	12.58
Operating Cash Flow Coverage Ratio	0.22	0.39	0.34	0.41	0.39
Operating Cash Flow to Sales Ratio	0.06	0.12	0.10	0.12	0.12
Free Cash Flow Yield	5.44%	10.19%	12.01%	15.99%	25.45%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	14.11	7.65	6.93	5.85	5.12
Price-to-Sales (P/S) Ratio	0.98	1.06	0.72	0.69	0.42
Price-to-Book (P/B) Ratio	1.18	1.24	0.92	0.94	0.44
Price-to-Free Cash Flow (P/FCF) Ratio	18.37	9.81	8.33	6.25	3.93
Price-to-Operating Cash Flow Ratio	15.79	9.00	7.39	5.80	3.62
Price-to-Earnings Growth (PEG) Ratio	-0.37	0.17	-1.01	0.08	1.33
Price-to-Fair Value	1.18	1.24	0.92	0.94	0.44
Enterprise Value Multiple	10.81	6.74	6.32	5.63	5.45
Enterprise Value	16.08B	17.31B	12.28B	11.54B	8.53B
EV to EBITDA	10.81	6.74	6.32	5.63	5.45
EV to Sales	1.24	1.35	1.00	0.97	0.72
EV to Free Cash Flow	23.33	12.48	11.50	8.77	6.68
EV to Operating Cash Flow	19.71	11.44	10.21	8.14	6.15
Tangible Book Value Per Share	62.00	56.93	47.30	41.80	54.17
Shareholders’ Equity Per Share	64.08	58.80	49.08	43.53	55.90
Tax and Other Ratios
Effective Tax Rate	0.21	0.21	0.22	0.20	0.22
Revenue Per Share	76.26	68.62	62.59	59.18	57.96
Net Income Per Share	5.36	9.54	6.53	7.01	4.80
Tax Burden	0.79	0.79	0.78	0.80	0.78
Interest Burden	0.85	0.92	0.89	0.90	0.87
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.09	0.09	0.09	0.09	0.08
Stock-Based Compensation to Revenue	0.00	0.00	0.00	<0.01	<0.01
Income Quality	0.89	0.85	0.94	1.08	1.68

Currency in USD