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UNMNYSE,NYSE SEC EDGAR

Unum Group

Accident & Health Insurance·CHATTANOOGA, TN·FY end 12/31·CIK 5513

Overview Financials Compensation Governance Insiders Filings

Financials

5-year history · USD

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	Trend
Revenue	$13.1B	$12.9B	$12.4B	$12.0B	$12.0B
Gross Profit	—	—	—	—	—	—
Operating Income	—	—	—	—	—	—
Net Income	$738.5M	$1.8B	$1.3B	$1.3B	$824.2M
Operating CF	$687.7M	$1.5B	$1.2B	$1.4B	$1.4B
Capex	$132.3M	$125.7M	$134.8M	$102.2M	$110.3M
Free Cash Flow	$555.4M	$1.4B	$1.1B	$1.3B	$1.3B
Buybacks	$1.0B	$972.9M	$250.1M	$200.1M	$50.0M
Dividends	—	—	—	—	—	—

Gross Margin	—	—	—	—	—	—
Operating Margin	—	—	—	—	—	—
Net Margin	5.6%	13.8%	10.4%	11.0%	6.9%
FCF Margin	4.2%	10.8%	8.6%	11.0%	10.6%
R&D / Revenue	—	—	—	—	—	—
Effective Tax	20.9%	21.0%	21.7%	19.4%	—
Debt / Equity	0.68	0.66	0.71	0.75	0.30
Buybacks / FCF	181.9%	70.1%	23.4%	15.2%	3.9%

Peer comparison

Accident & Health Insurance · 2 peers

CEO Pay Ratio

UNM

222:1

AFL

396:1

PFG

155:1

CEO total comp

UNM

$19M

AFL

$25M

PFG

$14M

Net Margin

UNM

5.6%

AFL

21.2%

PFG

7.6%