UNM - NYSE
Unum Group
$83.51
+0.096%Unum Group, together with its subsidiaries, provides financial protection benefit solutions primarily in the United States, the United Kingdom, and Poland. It operates through Unum US, Unum International, Colonial Life, and Closed Block segments. The company offers group long-term and short-term disability, group life, and accidental death and dismemberment products; supplemental and voluntary products, such as individual disability, voluntary benefits, and dental and vision products; and accident, sickness, disability, life, and cancer and critical illness products. It also provides group pension, individual life and corporate-owned life insurance, reinsurance pools and management operations, and other products. The company sells its products primarily to employers for the benefit of employees. Unum Group sells its products through field sales personnel, independent brokers, consultants, and independent contractor agency sales force. The company was founded in 1848 and is based in Chattanooga, Tennessee.
At a Glance
Live SnapshotUnum Group Profit Bridge
Profitability Analysis
Gross Margin
Strong gross margins indicate healthy pricing and efficient production or service delivery.
Operating Margin
Acceptable margins but limited operational leverage. Operating expense control is important.
Net Profit Margin
Moderate profitability with room for improvement. Monitor interest expenses and tax efficiency.
Effective Tax Rate
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
Profitability Insight
Margin squeeze alert: Healthy gross margins but weak operating margins suggest excessive operating expenses. Cost optimization could unlock significant value.
Unum Group Income Statement
UNM • NYSE
| Unum Group Income Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
REVENUE | ||||||||||||||||||||
13.1B | 12.8B | 12.3B | 11.9B | 11.8B | 13.1B | 12B | 11.6B | 11.3B | 11B | 10.7B | 10.5B | 10.4B | 10.5B | 10.3B | 10.2B | 10.1B | 10B | 10.5B | 10.5B | |
GROSS PROFIT | ||||||||||||||||||||
(8.1B) | (8B) | (8.3B) | (7.9B) | (8.5B) | (10.1B) | (8.6B) | (9B) | (8B) | (7.9B) | (7.7B) | (8.2B) | (7.5B) | (7.6B) | (8B) | (7.2B) | (6.9B) | (8.1B) | (8.4B) | (7.6B) | |
5B | 4.7B | 4B | 3.9B | 3.3B | 3.1B | 3.4B | 2.6B | 3.3B | 3.2B | 3B | 2.4B | 2.9B | 3B | 2.3B | 3B | 3.2B | 1.9B | 2.1B | 2.9B | |
OPERATING INCOME | ||||||||||||||||||||
(4.1B) | (2.5B) | (2.4B) | (2.2B) | (2.1B) | (2.1B) | (2B) | (1.9B) | (1.9B) | (1.8B) | (1.8B) | (1.8B) | (1.7B) | (1.7B) | (1.9B) | (1.7B) | (1.9B) | (1.1B) | (1.1B) | (2.4B) | |
(0.0) | (1.2B) | (1.2B) | (1.1B) | (975.2M) | (953.2M) | (898.3M) | (885.9M) | (852.3M) | (839.1M) | (835.1M) | (820.9M) | (790.4M) | (786.8M) | (808M) | (776.3M) | (1.6B) | (772.6M) | (722.4M) | (680.5M) | |
933.5M | 2.3B | 1.6B | 1.8B | 1.3B | 964M | 1.4B | 627.8M | 1.4B | 1.3B | 1.2B | 542M | 1.2B | 1.2B | 333.3M | 1.3B | 1.3B | 824M | 997.2M | 465.4M | |
PRE-TAX INCOME | ||||||||||||||||||||
(208.8M) | (201.1M) | (194.8M) | (188.5M) | (185M) | (188.2M) | (177.4M) | (167.3M) | (159.9M) | (166M) | (152.8M) | (167.5M) | (149.4M) | (145.4M) | (143.3M) | (141.8M) | (125.4M) | (156.7M) | (241.9M) | (191.8M) | |
-208.8M | -201.1M | -194.8M | -188.5M | -185M | -188.2M | -177.4M | -167.3M | -159.9M | -166M | -152.8M | -167.5M | -149.4M | -145.4M | -143.3M | -141.8M | -125.4M | -156.7M | -241.9M | -191.8M | |
(4.1B) | (1.3B) | (1.2B) | (1.1B) | (1.1B) | (1.2B) | (1.1B) | (1.1B) | (1B) | (990.6M) | (966.2M) | (998.7M) | (900.9M) | (928.3M) | (1.1B) | (936.7M) | (283.1M) | (315.1M) | (414.7M) | (1.8B) | |
933.5M | 2.3B | 1.6B | 1.8B | 1.3B | 964M | 1.4B | 627.8M | 1.4B | 1.3B | 1.2B | 542M | 1.2B | 1.2B | 333.3M | 1.3B | 1.3B | 824M | 997.2M | 465.4M | |
NET INCOME | ||||||||||||||||||||
(195M) | (472.2M) | (356.3M) | (342.8M) | (279.6M) | (171M) | (281.8M) | (104.4M) | (409.8M) | (416.3M) | (371.2M) | (139.9M) | (373M) | (355.1M) | (49.1M) | (441.2M) | (439.7M) | (270.8M) | (324.8M) | (61.8M) | |
738.5M | 1.8B | 1.3B | 1.4B | 981M | 793M | 1.1B | 523.4M | 994.2M | 931.4M | 867.1M | 402.1M | 847M | 894.4M | 284.2M | 878.7M | 852.6M | 553.2M | 679.3M | 411M |
SEC Filings
UNM - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 22, 2026 | May 21, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | April 29, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 28, 2026 | April 28, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 09, 2026 | May 21, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 06, 2026 | March 04, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 17, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 05, 2026 | February 05, 2026 | 2026 | |
8-K 8-K 2025 N/A | December 04, 2025 | December 04, 2025 | 2025 | |
8-K 8-K 2025 N/A | November 14, 2025 | November 14, 2025 | 2025 | |
10-Q 10-Q 2025 Q3 Q3 | November 04, 2025 | September 30, 2025 | 2025 |
Related Guides
Continue your UNM research with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.