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Unum UNM Interest coverage

Interest coverage at other companies

Aflac logo
AflacAFL
25.4×+2.4×
The Hartford Financial Services Group logo
The Hartford Financial Services GroupHIG
26.3×+6.6×
Humana logo
HumanaHUM
4.8×-5.0×
UnitedHealth Group logo
UnitedHealth GroupUNH
4.8×-3.5×
Cincinnati Financial logo
Cincinnati FinancialCINF
65.8×+31.3×
Corebridge Financial logo
Corebridge FinancialCRBG

Other financials

Income statement

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Revenue$3.4B+8.5%
Operating income$501.8M+2.4%
Net income$232.0M+22.7%
EPS (diluted)$1.41+33.0%

Balance sheet

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Cash & equivalents$192.6M-19.0%
Total debt$3.8B+0.5%
Total equity$10.9B-2.9%
Total assets$62.7B+0.4%

Cash flow

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Operating cash flow$340.8M-3.6%
CapEx$39.6M+10.6%
Free cash flow$301.2M-5.2%

Valuation

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Market cap$14.38B-17.0%
Enterprise value$17.95B-13.3%
P/E18.4×+7.4×
P/S1.1×-0.3×

Profitability

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Net margin5.9%-6.5pp
FCF margin11.2%+1.4pp

Returns & leverage

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Return on equity7.1%-7.6pp
Debt / equity0.3×0.0×

Where this comes from

Calculated from Unum’s reported figures.

Based on trailing twelve months.

The official record: Unum’s 10-Q, filed April 29, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Unum's interest coverage?
Unum (UNM) reported interest coverage of 5.7× in Q1 2026.
How has Unum's interest coverage changed year-over-year?
Unum's interest coverage decreased by 36.6% year-over-year, from 9× to 5.7×.
What is the long-term trend for Unum's interest coverage?
Over 5 years (2020 to 2025), Unum's interest coverage has grown at a -2.2% compound annual growth rate (CAGR), from 6.1× to 5.5×.
What does interest coverage mean?
How many times the company's operating profit covers its interest bill.
How do you interpret interest coverage?
Higher is safer; below ~2× is a warning that earnings provide little cushion against the debt burden. Debt-free companies have no interest expense and the ratio is left blank.
How does interest coverage compare across companies?
Comparable across leveraged non-financials; less relevant for net-cash companies with negligible interest.