Unum Group Financial Ratios — UUM Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	3.32	10.66	9.81	4.68	10.09	10.56	10.72	5.75	11.84	7.61	8.8	13.97	13.96	17.26	6.69
Return on Assets (%)	0.49	1.47	1.39	0.66	1.41	1.52	1.58	0.83	1.71	1.15	1.39	2.14	2.06	2.84	1.18
Return on Capital (%)	3.51	8.61	8.23	4.66	8.56	8.93	9.05	5.5	9.82	6.79	7.74	11.54	11.38	13.95	6.11
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	3.24	11.88	11.77	5.15	11.54	12.2	12.44	5.41	11.52	7.33	10.65	14.74	13.32	17.6	7.19
Profit Margin (%)	2.77	8.51	8.17	3.82	8.08	8.43	8.81	4.51	9.17	6.03	8.29	11.85	10.43	13.91	5.69
Net Income to Common Margin (%)	2.77	8.51	8.17	3.82	8.08	8.43	8.81	4.51	9.17	6.03	8.29	11.85	10.43	13.91	5.69
Effective Tax Rate (%)	14.73	28.42	30.57	25.81	29.98	30.89	29.19	16.63	20.39	17.74	22.18	19.59	21.72	20.97	20.89
Dvd Payout Ratio (%)	42.58	14.96	17.3	39.64	20.09	19.6	19.71	41.19	20.83	29.24	24.4	18.06	21.58	16.67	41.46
Sustainable Growth Rate (%)	1.91	9.06	8.11	2.83	8.06	8.49	8.61	3.38	9.37	5.39	6.65	11.44	10.95	14.39	3.92

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	3,195	3,211	2,612	2,781	2,801	2,999	2,938	2,971	3,726	3,346	3,442	3,430	3,430	3,740	3,768
ST Debt	312	- -	- -	152	352	- -	200	- -	400	- -	- -	2	- -	275	- -
LT Debt	2,883	3,211	2,612	2,629	2,449	2,999	2,738	2,971	3,327	3,346	3,442	3,428	3,430	3,465	3,768
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	143	145	149	168	153	166	160	167	177	188	185	189	195	201	209
Common Equity/Total Assets	13.72	13.84	14.58	13.65	14.31	14.48	14.96	13.93	14.87	15.39	16.28	14.28	15.26	17.69	17.51
Long-Term Debt/Equity (%)	35.28	37.28	30.16	30.85	28.27	33.45	28.6	34.46	33.38	30.78	30.15	39.24	35.54	31.61	33.88
Long-Term Debt/Capital (%)	25.36	27.16	23.17	23.26	21.36	25.06	21.88	25.63	24.3	23.53	23.17	28.18	26.22	23.57	25.31
Long-Term Debt/Total Assets (%)	4.84	5.16	4.4	4.21	4.04	4.84	4.28	4.8	4.96	4.74	4.91	5.61	5.42	5.59	5.93
Total Debt/Equity (%)	39.11	37.28	30.16	32.63	32.33	33.45	30.69	34.46	37.39	30.78	30.15	39.27	35.54	34.12	33.88
Total Debt/Capital (%)	28.11	27.16	23.17	24.6	24.43	25.06	23.48	25.63	27.22	23.53	23.17	28.19	26.22	25.44	25.31
Total Debt/Total Assets (%)	5.36	5.16	4.4	4.45	4.63	4.84	4.59	4.8	5.56	4.74	4.91	5.61	5.42	6.04	5.93
Net Debt to Equity	37.68	36.39	29.08	31.43	31.03	32.33	29.88	33.37	36.55	28.96	29.49	37.9	34.03	32.63	32.46
Net Debt/Capital (%)	27.37	26.68	22.53	23.91	23.68	24.43	23.01	25.02	26.77	22.46	22.78	27.48	25.39	24.6	24.51
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	13.72	13.84	14.58	13.65	14.31	14.48	14.96	13.93	14.87	15.39	16.28	14.28	15.26	17.69	17.51
Long-Term Debt/Equity (%)	35.28	37.28	30.16	30.85	28.27	33.45	28.6	34.46	33.38	30.78	30.15	39.24	35.54	31.61	33.88
Long-Term Debt/Capital (%)	25.36	27.16	23.17	23.26	21.36	25.06	21.88	25.63	24.3	23.53	23.17	28.18	26.22	23.57	25.31
Long-Term Debt/Total Assets (%)	4.84	5.16	4.4	4.21	4.04	4.84	4.28	4.8	4.96	4.74	4.91	5.61	5.42	5.59	5.93
Total Debt/Equity (%)	39.11	37.28	30.16	32.63	32.33	33.45	30.69	34.46	37.39	30.78	30.15	39.27	35.54	34.12	33.88
Total Debt/Capital (%)	28.11	27.16	23.17	24.6	24.43	25.06	23.48	25.63	27.22	23.53	23.17	28.19	26.22	25.44	25.31
Total Debt/Total Assets (%)	5.36	5.16	4.4	4.45	4.63	4.84	4.59	4.8	5.56	4.74	4.91	5.61	5.42	6.04	5.93
CFO/Total Liabilities	2.32	2.57	2.03	2.27	2.49	2.12	2.14	2.89	2.82	0.79	2.36	2.71	2.24	2.97	1.31
CFO/CapEx	12.16	13.09	9.78	10.69	12.9	13.2	11.06	10.66	10.65	3.94	12.58	13.88	8.92	12.04	5.2
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	2.51	1.62	1.6	1.62	1.67	1.73	1.73	1.81	1.89	1.42	0.96	1.01	1.13	1.25	1.14
Days Sales Outstanding	145.47	225.66	227.57	225.35	218.78	211.36	210.44	201.76	192.68	257.77	379.63	361.61	322.37	291.19	319.9
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	117	77	94	103	113	100	77	94	84	197	75	119	146	163	158
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	3,195	3,211	2,612	2,781	2,801	2,999	2,938	2,971	3,726	3,346	3,442	3,430	3,430	3,740	3,768
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Capital	11,365	11,824	11,271	11,303	11,465	11,967	12,513	11,593	13,691	14,217	14,859	12,165	13,082	14,701	14,887
Total Debt/Capital (%)	28.11	27.16	23.17	24.6	24.43	25.06	23.48	25.63	27.22	23.53	23.17	28.19	26.22	25.44	25.31
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	10,278	10,515	10,369	10,525	10,731	11,047	11,287	11,599	11,993	13,147	11,838	11,875	12,309	12,790	12,984
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	1,316	1,484	1,135	1,348	1,399	1,236	1,277	1,676	1,748	624	1,531	1,570	1,355	1,672	853
TTM Free Cash Flow to Firm	1,218	1,378	1,030	1,233	1,299	1,151	1,172	1,532	1,597	505	1,421	1,468	1,220	1,546	721

Multiples (USD)

Valuation Multiples API ChatGPT

No data availableFinancial data will appear here once available

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	293	270	260	252	241	230	223	215	203	204	203	198	193	179	166
Diluted Weighted Avg Shares	304	282	266	256	248	236	227	220	210	204	205	202	198	188	173
Basic Weighted Avg Shares	302	281	265	256	247	235	227	220	210	204	204	201	197	187	173
Revenue per Share	33.99	37.37	39.17	41.09	43.45	46.93	49.83	52.82	57.19	64.57	57.96	59.18	62.59	68.21	75.27
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.94	3.18	3.2	1.57	3.51	3.96	4.39	2.38	5.25	3.89	4.8	7.01	6.53	9.49	4.28
Basic EPS from Cont Ops	0.94	3.18	3.2	1.57	3.51	3.96	4.39	2.38	5.25	3.89	4.8	7.01	6.53	9.49	4.28
Diluted EPS, GAAP	0.94	3.17	3.19	1.57	3.5	3.95	4.37	2.38	5.24	3.89	4.79	6.96	6.5	9.46	4.27
Diluted EPS from Cont Ops	0.94	3.17	3.19	1.57	3.5	3.95	4.37	2.38	5.24	3.89	4.79	6.96	6.5	9.46	4.27
Dividend per Share	0.4	0.48	0.55	0.62	0.71	0.78	0.87	0.98	1.09	1.14	1.17	1.27	1.41	1.58	1.77
Cash Flow per Share	3.95	4.9	3.9	4.78	5.23	4.76	5.14	7	7.66	2.31	6.79	7.07	6.12	8.07	3.99
Free Cash Flow per Basic Share	3.62	4.53	3.5	4.33	4.83	4.4	4.67	6.34	6.94	1.72	6.25	6.56	5.43	7.4	3.22
Cash & Equivalents per Share	150.41	172.13	166.73	182.88	183.78	196.23	209.8	205.42	240.58	224.87	221.21	183.84	199.57	214.64	218.66
Book Value per Share	27.91	31.87	33.3	33.78	35.96	39.02	43.02	40.18	49.1	53.37	56.37	44.17	49.91	61.38	67.11
Tangible Book Value per Share	27.12	31.04	32.46	32.93	34.9	37.42	41.38	38.1	46.93	51.23	54.27	42.1	47.77	59.11	64.63