Unum Group
Financial Performance
Unum Revenue & Financials
Revenue
$13.1B (FY2025)
Market Cap
$13.2B
Net Income
$738.5M
Employees
10,800
What is Unum's revenue?
Unum had $13.1B in revenue for fiscal year 2025, up 1.5% from 2024. Net income was $738.5M.
- Latest revenue
- $13.1B (FY2025)
- Year-over-year
- +1.5%
- Growth rate (CAGR)
- 1.9% over 9 years
- Peak revenue
- $13.2B (FY2020)
- Years of data
- 10
- Employees
- 10,800
- How much profit does Unum make?
- Unum reported net income of $738.5M for fiscal year 2025. sec.gov
- How many employees does Unum have?
- Unum has about 10,800 employees.
Financial Analysis
Unum's revenue comes mainly from insurance premiums, plus net investment income on the reserves it holds against claims. Total revenue rose about 1.5% to roughly $13.08 billion in FY2025, but net income dropped to $738.5 million from $1.78 billion in 2024. After-tax adjusted operating income was $8.13 per diluted share for 2025, and the company repurchased $1 billion of stock during the year. In the second quarter of 2026, net income was $256.9 million, compared with $335.6 million a year earlier.
Revenue Trend Analysis
YoY Change
+1.5%
9-Year CAGR
+1.9%
Peak Year
2020
Trend
Consistent Growth
Unum Group has 10 full fiscal year figures on this page, compounding at +1.9% annually over 9 years. The most recent year saw a 1.5% increase versus the prior year. Annual revenue peaked in fiscal year 2020 at $13.2B. Of 9 comparable year-over-year steps, 7 showed growth and 2 showed a decline.
Annual revenue history
Click any row to see year details.
Unum Group balance sheet and cash flow
Balance-sheet figures are as of each fiscal year end; cash-flow figures cover the fiscal year. Taken from the company's annual report on Form 10-K, linked on each row. Free cash flow here is operating cash flow less capital expenditures, calculated by CorpDigest. In some years total assets exceed liabilities plus shareholders' equity because the company reported redeemable preferred stock or non-controlling interests outside both.
| Fiscal Year | Operating cash flow | Capital expenditures | Total assets | Total liabilities | Shareholders' equity | Free cash flow | Source |
|---|---|---|---|---|---|---|---|
| FY2025ended Dec 31, 2025 | $687.7M | $132.3M | $63.5B | $52.4B | $11.1B | $555.4M | Form 10-K |
| FY2024ended Dec 31, 2024 | $1.5B | $125.7M | $62B | $51B | $11B | $1.4B | Form 10-K |
| FY2023ended Dec 31, 2023 | $1.2B | $134.8M | $63.3B | $53.6B | $9.7B | $1.1B | Form 10-K |
| FY2022ended Dec 31, 2022 | $1.4B | $102.2M | $61.1B | $52.4B | $8.7B | $1.3B | Form 10-K |
| FY2021ended Dec 31, 2021 | $1.4B | $110.3M | $70.1B | $58.7B | $6B | $1.3B | Form 10-K |
| FY2020ended Dec 31, 2020 | $469.3M | $119.1M | $70.6B | $59.8B | $10.9B | $350.2M | Form 10-K |
| FY2019ended Dec 31, 2019 | $1.6B | $150.9M | $67B | $57B | $10B | $1.5B | Form 10-K |
| FY2018ended Dec 31, 2018 | $1.5B | $144.1M | $61.9B | $53.3B | $8.6B | $1.4B | Form 10-K |
| FY2017ended Dec 31, 2017 | $1.2B | $105.3M | $64B | $54.4B | $9.6B | $1.1B | Form 10-K |
| FY2016ended Dec 31, 2016 | $1.1B | $85M | $61.9B | $53B | $9B | $1B | Form 10-K |
Keep researching Unum
Unum Revenue and Financial FAQ
What were Unum Group's total revenue and net income for FY2025?
In FY2025, Unum reported consolidated revenue of $13.076 billion (up 1.5% year-over-year) and net income of $738.5 million, with GAAP earnings impacted by non-cash valuation adjustments on legacy Closed Block reserves.
What was Unum's after-tax adjusted operating income per share in 2025?
Unum delivered record after-tax adjusted operating income of $8.13 per diluted share in 2025, reflecting solid premium growth and disciplined claims experience in core Unum US and Colonial Life operations.
How did Unum perform in the second quarter of 2026?
In Q2 2026, Unum reported total revenue of $3.37 billion, net income of $256.9 million ($1.61 per share), and after-tax adjusted operating income of $346.0 million ($2.16 per share), reaffirming full-year 2026 EPS guidance of $8.60 to $8.90.
What was the financial scale of the Fortitude Re long-term care reinsurance deals?
Unum closed a $3.4 billion statutory reserve reinsurance transaction with Fortitude Re in July 2025 and agreed to a second $3.8 billion agreement in July 2026, successfully de-risking over $7.2 billion of legacy LTC liabilities from its balance sheet.
How much capital does Unum return to shareholders via share buybacks and dividends?
Unum repurchased $1.0 billion of its common stock in 2025 and raised its quarterly dividend by over 10%, delivering an attractive dividend yield typically between 3.0% and 3.5%.
What is Unum's investment portfolio composition and yield performance?
Unum manages an investment portfolio of approximately $45 billion, invested primarily in high-grade investment-grade corporate bonds (over 90%), generating an average portfolio yield between 4.5% and 5.0%.
What is Unum's statutory Risk-Based Capital (RBC) ratio?
Unum maintains a consolidated weighted-average statutory Risk-Based Capital (RBC) ratio of approximately 400% to 420%, well above regulatory supervisory thresholds and rating agency expectations.
How much liquidity does Unum maintain at its corporate holding company?
Unum holds over $1.5 billion in holding company liquidity, consisting of cash, short-term investments, and committed revolving bank credit facilities, ensuring exceptional financial flexibility.
What is Unum's corporate credit rating from major rating agencies?
Unum Group holds investment-grade credit ratings: "Baa1" from Moody's, "BBB+" from S&P Global, and "A-" from AM Best, supported by core operating subsidiary strength and declining long-term care exposure.
How do rising interest rates benefit Unum's financial economics?
Higher benchmark interest rates allow Unum to reinvest maturing bonds into higher-yielding corporate debt, boosting net investment income and reducing the statutory reserve requirements on future disability claims.
What are the operating margins across Unum US and Colonial Life?
Unum US delivers an adjusted operating margin around 10–12%, while Colonial Life produces higher adjusted operating margins of 18–21%, driven by voluntary worksite product profitability.
What is Unum's forward financial guidance for 2026–2027?
Management guides toward core premium growth of 4% to 7%, after-tax adjusted operating EPS growth of 6% to 9%, sustained return on equity (ROE) above 14–15%, and steady share buybacks.
Cite or embed this data
Using these figures? Please credit CorpDigest with a link.
CorpDigest. "Unum Revenue & Financials." CorpDigest, https://corpdigest.com/company/unum/financials.<div style="font-family:system-ui,sans-serif;font-size:14px;line-height:1.5;border:1px solid #e2e8f0;border-radius:8px;padding:12px 16px;max-width:520px"><strong>Unum reported $13.1B in revenue (FY2025).</strong><br>Source: <a href="https://corpdigest.com/company/unum/financials" target="_blank" rel="noopener">CorpDigest — Unum financials</a></div>Related Financial Audits
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