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Unum Group (UNM) Ratios
Unum Group Ratios
UNM's free cash flow for Q2 2026 was $474.30M. For the 2026 fiscal year, UNM's free cash flow was decreased by $-29.20M and operating cash flow was $503.50M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.00 | 2.40 | 4.23 | 4.36 | 4.31 |
| Quick Ratio | 0.00 | 2.40 | 4.23 | 4.36 | 4.31 |
| Cash Ratio | 0.00 | 0.24 | 0.37 | 0.32 | 0.20 |
| Solvency Ratio | 0.02 | 0.04 | 0.03 | 0.03 | 0.02 |
| Operating Cash Flow Ratio | 0.00 | 2.24 | 3.01 | 3.86 | 3.75 |
| Short-Term Operating Cash Flow Coverage | 30.70 | 5.18 | 62.65 | 709.35 | 61.39 |
| Net Current Asset Value | $ -51.39B | $ -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 | 0.35 | 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 | 0.26 | 0.24 | 0.26 | 0.28 | 0.23 |
| Financial Leverage Ratio | 5.76 | 5.69 | 6.59 | 7.04 | 6.24 |
| Debt Service Coverage Ratio | 4.63 | 4.25 | 7.42 | 8.96 | 6.19 |
| Interest Coverage Ratio | 4.47 | 11.19 | 8.42 | 9.28 | 6.81 |
| Debt to Market Cap | 0.29 | 0.28 | 0.39 | 0.42 | 0.70 |
| Interest Debt Per Share | 23.83 | 21.79 | 18.97 | 18.03 | 18.46 |
| Net Debt to EBITDA | 2.96 | 1.44 | 1.74 | 1.62 | 2.24 |
| Profitability Margins | |||||
| Gross Profit Margin | 38.22% | 37.09% | 32.76% | 33.09% | 28.02% |
| EBIT Margin | 8.75% | 19.17% | 14.91% | 16.32% | 12.21% |
| EBITDA Margin | 9.69% | 20.08% | 15.79% | 17.25% | 13.22% |
| Operating Profit Margin | 7.15% | 17.60% | 13.32% | 14.74% | 10.65% |
| Pretax Profit Margin | 7.15% | 17.60% | 13.32% | 14.74% | 10.65% |
| Net Profit Margin | 5.66% | 13.91% | 10.43% | 11.85% | 8.29% |
| Continuous Operations Profit Margin | 5.66% | 13.91% | 10.43% | 11.85% | 8.29% |
| Net Income Per EBT | 79.11% | 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) | 1.15% | 2.85% | 2.02% | 2.29% | 1.38% |
| Return on Equity (ROE) | 6.64% | 16.23% | 13.30% | 16.11% | 8.59% |
| Return on Capital Employed (ROCE) | 1.46% | 3.65% | 2.59% | 2.86% | 1.78% |
| Return on Invested Capital (ROIC) | 1.15% | 2.87% | 2.03% | 2.30% | 1.38% |
| Return on Tangible Assets | 1.16% | 2.87% | 2.03% | 2.30% | 1.38% |
| Earnings Yield | 5.52% | 13.07% | 14.44% | 17.09% | 19.55% |
| Efficiency Ratios | |||||
| Receivables Turnover | 9.13 | 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 | 25.92 | 24.01 | 23.62 | 24.26 | 23.13 |
| Asset Turnover | 0.20 | 0.21 | 0.19 | 0.19 | 0.17 |
| Working Capital Turnover Ratio | 10.30 | 11.44 | 9.75 | 9.66 | 9.23 |
| Cash Conversion Cycle | 39.98 | 41.64 | 45.78 | 45.56 | 46.86 |
| Days of Sales Outstanding | 39.98 | 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 | 39.98 | 41.64 | 45.78 | 45.56 | 46.86 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 3.99 | 8.12 | 6.12 | 7.07 | 6.79 |
| Free Cash Flow Per Share | 3.22 | 7.44 | 5.43 | 6.56 | 6.25 |
| Dividend Paid and CapEx Coverage Ratio | 1.57 | 3.58 | 2.92 | 3.98 | 3.97 |
| Capital Expenditure Coverage Ratio | 5.20 | 12.04 | 8.92 | 13.88 | 12.58 |
| Operating Cash Flow Coverage Ratio | 0.18 | 0.39 | 0.34 | 0.41 | 0.39 |
| Operating Cash Flow to Sales Ratio | 0.05 | 0.12 | 0.10 | 0.12 | 0.12 |
| Free Cash Flow Yield | 4.15% | 10.19% | 12.01% | 15.99% | 25.45% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 18.11 | 7.70 | 6.93 | 5.85 | 5.12 |
| Price-to-Sales (P/S) Ratio | 1.02 | 1.06 | 0.72 | 0.69 | 0.42 |
| Price-to-Book (P/B) Ratio | 1.20 | 1.24 | 0.92 | 0.94 | 0.44 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 24.07 | 9.81 | 8.33 | 6.25 | 3.93 |
| Price-to-Operating Cash Flow Ratio | 19.44 | 9.00 | 7.39 | 5.80 | 3.62 |
| Price-to-Earnings Growth (PEG) Ratio | -0.33 | 0.17 | -1.01 | 0.08 | 1.33 |
| Enterprise Value Multiple | 13.53 | 6.74 | 6.32 | 5.63 | 5.45 |
| Enterprise Value | 17.11B | 17.31B | 12.28B | 11.54B | 8.53B |
| EV to EBITDA | 13.53 | 6.74 | 6.32 | 5.63 | 5.45 |
| EV to Sales | 1.31 | 1.35 | 1.00 | 0.97 | 0.72 |
| EV to Free Cash Flow | 30.81 | 12.48 | 11.50 | 8.77 | 6.68 |
| EV to Operating Cash Flow | 24.89 | 11.44 | 10.21 | 8.14 | 6.15 |
| Tangible Book Value Per Share | 62.40 | 56.93 | 47.30 | 41.80 | 54.17 |
| Shareholders’ Equity Per Share | 64.45 | 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 | 75.67 | 68.62 | 62.59 | 59.18 | 57.96 |
| Net Income Per Share | 4.28 | 9.54 | 6.53 | 7.01 | 4.80 |
| Tax Burden | 0.79 | 0.79 | 0.78 | 0.80 | 0.78 |
| Interest Burden | 0.82 | 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 | 0.00 | 0.09 | 0.09 | 0.09 | 0.08 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 0.93 | 0.85 | 0.94 | 1.08 | 1.68 |
Currency in USD