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

Simplified Detailed

	FY'25	FY'24	FY'23	FY'22
Profitability
Net margin	5.6%-8.2pp	13.8%+3.4pp	10.4%-1.4pp	11.7%+3.6pp
EBITDA margin	9.7%-7.4pp	17.1%0.0pp	17.1%0.0pp	17.1%+4.1pp
Returns
Return on equity	6.7%-10.6pp	17.3%+3.3pp	14%-5.1pp	19.1%+7.5pp
Return on assets	1.2%-1.7pp	2.8%+0.8pp	2.1%-0.1pp	2.1%+0.8pp
Return on invested capital	6.1%-5.8pp	12%-0.6pp	12.6%-1.9pp	14.5%+5.0pp
Efficiency
Asset turnover	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×	0.4×0.0×	0.4×-0.2×
Debt-to-assets	0.1×0.0×	0.1×0.0×	0.1×0.0×	0.1×0.0×
Net debt / EBITDA	2.9×+1.3×	1.7×+0.1×	1.6×0.0×	1.6×-0.6×
Interest coverage	5.5×-4.9×	10.4×+0.1×	10.3×+0.1×	10.3×+2.5×
Valuation
Market capitalization	$12.97B-2.8%	$13.34B+51.5%	$8.81B+7.9%	$8.16B+62.5%
Enterprise value	$16.66B-1.9%	$16.98B+39.7%	$12.15B+5.9%	$11.47B+35.4%
Price / earnings	17.6×+10.1×	7.5×+0.6×	6.9×+1.1×	5.8×+0.7×
Price / sales	1×0.0×	1×+0.3×	0.7×0.0×	0.7×+0.3×
Price / book	1.2×-0.1×	1.2×+0.3×	0.9×0.0×	0.9×+0.1×
EV / EBITDA	13.2×+5.5×	7.7×+2.0×	5.7×+0.1×	5.6×+0.2×
EV / sales	1.3×0.0×	1.3×+0.3×	1×0.0×	1×+0.3×
Earnings yield	5.7%-7.6pp	13.3%-1.2pp	14.6%-2.7pp	17.2%-2.3pp
Dividend yield	2.4%+0.1pp	2.2%-0.9pp	3.1%0.0pp	3.1%-1.7pp

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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.