Unum Group
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Unum Group's yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Growth Efficiency Ratio: Sales grew 9% in 3 years, but profit fell: $60 less profit per $100 of extra sales. Lower than 92% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 1/3Sales grew in 3 of the last 3 years; profit grew in 1 of 3.
Steadier than 53% of Financial Services companies in United States.
Growth Efficiency Ratio
−$60Sales grew 9% in 3 years, but profit fell: $60 less profit per $100 of extra sales.
Lower than 92% of Financial Services companies in United States.
Asset Productivity Ratio
+9% / +4%In 3 years sales changed by +9% while total assets changed by +4%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
99%Of every $100 the company owns, $99 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 77% of Financial Services companies in United States.
Tangible Net Worth Ratio
96%Of every $100 of net worth, $96 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 80% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Unum Group owes $0.83 for every $1 it owns. Net profit fell 58% in the year to Dec 2025, and shrank 19% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
21.9Investors pay $21.9 for every $1 of Unum Group's yearly profit, higher than 78% of Financial Services companies in United States.
P/B ratio
1.37The share price is 1.37 times Unum Group's book value per share, higher than 58% of Financial Services companies in United States.
Market cap
$14.8 BThe total market value of all of Unum Group's shares at today's price (share price × number of shares), larger than 90% of Financial Services companies in United States. PosiCap size class: Tito Cap.
Net worth (book value)
$10.8 BWhat Unum Group would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$68.28Net worth divided by the number of shares. The share price of $93.75 is 1.4 times this, which is the P/B above.
Return on equity (ROE)
6.3%Unum Group earned 6.3% on its shareholders' money over the last year, lower than 71% of Financial Services companies in United States.
Owes vs Owns
0.83×Unum Group owes $0.83 for every $1 it owns (high), higher than 51% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
2.16%Unum Group pays 2.16% of its share price as dividends a year, lower than 67% of dividend-paying Financial Services companies in United States.
Revenue growth
+2%Revenue rose 2% in the year to Dec 2025, and grew 3% a year on average over 3 years.
Profit growth
-58%Net profit fell 58% in the year to Dec 2025, and shrank 19% a year on average over 3 years.
Profit margin
5.7%Unum Group keeps $6 of every $100 of revenue as net profit.
Questions
What is Unum Group's P/E ratio?
Investors pay $21.9 for every $1 of Unum Group's yearly profit, higher than 78% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Unum Group: $14.8 B ÷ $10.8 B (30 Jun 2026) = 1.4.
What is Unum Group's return on equity?
Unum Group earned 6.3% on its shareholders' money over the last year, lower than 71% of Financial Services companies in United States.
How much does Unum Group owe compared with what it owns?
Unum Group owes $0.83 for every $1 it owns (high), higher than 51% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Unum Group pay a dividend?
Yes. Unum Group pays 2.16% of its share price as dividends a year, lower than 67% of dividend-paying Financial Services companies in United States.
Is Unum Group's revenue growing?
Revenue rose 2% in the year to Dec 2025, and grew 3% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.