Unum Group

UNMA · CIK 0000005513Insurance lens →

19 fiscal years · 0 SEC filings · every number carries its receipt

Revenue (FY)

$13.08B1.5%

FY2025

Net income (FY)

$738.5M58.5%

FY2025

Free cash flow (FY)

$555.4M60.0%

FY2025

Diluted EPS (FY)

$4.2754.9%

FY2025

The story, charted

The shape of the business

FY2007–FY2025 · hover any year for its receipt

Revenue & net incomeRevenueNet income

revenue 1.2× since FY2007 · net margin 6.5% → 5.6%

MarginsNet marginFCF margin

FY2025: net 5.6% · free cash flow 4.2% of revenue

Cash engineOperating cash flowFree cash flow

FY2025: $687.7M operating cash − $132.3M capex = $555.4M free cash flow

Returns on capitalReturn on equityReturn on assets

return on equity 9% (FY2008) → 7% (FY2025) · on assets 1.2%

Balance sheetLiabilitiesEquity

FY2025: $63.52B assets · $52.40B liabilities · $11.12B equity

The receipts

Insurance lens

Specialized rows for insurer companies — not in the generic statement table above.

USD millions (ratios as %)	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018	FY2017	FY2016	FY2015	FY2014
Premiums earned	10,831	10,497	10,046	9,617	9,475	9,378	9,366	8,986	8,597	8,358	8,082	7,797
Policyholder benefits & claims	7,626	7,480	7,312	7,542	8,113	8,973	7,496	8,020	7,056	6,942	6,783	7,311
Loss ratio	70.4%	71.3%	72.8%	78.4%	85.6%	95.7%	80.0%	89.3%	82.1%	83.1%	83.9%	93.8%

Premiums earned and policyholder benefits & claims are as-reported XBRL components — absent (not zero) for insurance brokers such as Aon and Marsh McLennan, which earn fees and commissions rather than underwriting premiums, so these rows are correctly blank for them. The loss ratio (policyholder benefits ÷ premiums earned) is computed by stonks for full fiscal years only.