Where do Unum's ratios come from?

Every ratio is computed from Unum's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.

Unum UNM Ratios & Valuation

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY QoQ

Simplified Detailed

	Q1 '26	Q4 '25	Q3 '25	Q2 '25	Q1 '25
Profitability
Net margin	5.9%-6.5pp	5.6%-8.2pp	7%-6.8pp	11.8%+1.4pp	12.3%+1.8pp
EBITDA margin	10%-5.4pp	9.7%-7.4pp	11.4%-5.7pp	14.6%-2.6pp	15.3%-2.0pp
Returns
Return on equity	7.1%-7.6pp	6.7%-10.6pp	8.4%-8.8pp	13.9%+0.6pp	14.7%+1.1pp
Return on assets	1.2%-1.3pp	1.2%-1.7pp	1.4%-1.4pp	2.4%+0.3pp	2.5%+0.4pp
Return on invested capital	6.5%-3.8pp	6.1%-5.8pp	7.5%-4.5pp	10.1%-2.1pp	10.3%-2.2pp
Efficiency
Asset turnover	0.2×0.0×	0.2×0.0×	0.2×0.0×	0.2×0.0×	0.2×0.0×
Leverage
Debt-to-equity	0.3×0.0×	0.3×0.0×	0.3×0.0×	0.3×0.0×	0.3×0.0×
Debt-to-assets	0.1×0.0×	0.1×0.0×	0.1×0.0×	0.1×0.0×	0.1×0.0×
Net debt / EBITDA	2.7×+0.9×	2.9×+1.3×	2.3×+0.8×	1.4×-0.2×	1.8×+0.3×
Interest coverage	5.7×-3.3×	5.5×-4.9×	6.6×-3.9×	8.6×-1.9×	9×-1.5×
Per Share
Book value per share	$66.26+5.7%	——	$63.95+9.1%	$64.90+18.0%	$62.69+18.6%
Valuation
Market capitalization	$11.96B-17.0%	$12.97B-2.8%	$13.25B+17.4%	$13.97B+41.9%	$14.4B+39.4%
Enterprise value	$15.53B-13.3%	$16.66B-1.9%	$16.66B+14.2%	$16.52B+25.3%	$17.9B+32.8%
Price / earnings	15.3×+6.1×	17.6×+10.1×	14.5×+8.1×	9.2×+1.7×	9.2×+1.3×
Price / sales	0.9×-0.2×	1×0.0×	1×+0.1×	1.1×+0.3×	1.1×+0.3×
Price / book	1.1×-0.2×	1.2×-0.1×	1.2×+0.2×	1.2×+0.3×	1.3×+0.3×
EV / EBITDA	11.7×+2.5×	13.2×+5.5×	11.2×+4.5×	8.8×+2.7×	9.1×+2.9×
EV / sales	1.2×-0.2×	1.3×0.0×	1.3×+0.1×	1.3×+0.2×	1.4×+0.3×
Earnings yield	6.5%-4.4pp	5.7%-7.6pp	6.9%-8.7pp	10.9%-2.5pp	10.9%-1.9pp
Dividend yield	2.6%+0.5pp	2.4%+0.1pp	2.3%-0.3pp	2.2%-0.7pp	2.1%-0.6pp

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Questions, answered.

Where do Unum's ratios come from?: Every ratio is computed from Unum's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.