Unum Group
Financial ratios & Valuation

Forward Multiples (2025 – 2026)

20252026
Price/Earnings ratio
8.277.40
Price/Sales ratio
1.041.00
Earnings per Share (EPS)
$8.35$9.34

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
22.219.4811.1012.5012.325.555.895.115.856.927.747.74
Price/Sales ratio
0.840.760.931.100.550.500.350.410.680.711.040.55
Price/Book Value ratio
1.040.941.151.290.740.610.420.430.890.921.240.74
Price/Cash Flow ratio
7.306.369.2610.814.193.517.813.615.807.399.954.19
Price/Free Cash Flow ratio
8.056.8910.0211.904.633.849.763.926.258.3210.854.63
Price/Earnings Growth ratio
-0.430.070.861.15-0.260.04-0.221.320.07-1.019.06-0.26
Dividend Yield
1.78%2.11%1.76%1.57%3.34%3.74%4.96%4.77%3.08%3.11%2.14%3.74%
Profitability Indicator Ratios
Gross Profit Margin
99.01%96.81%100%100%100%100%100%98.22%96.05%96.35%96.98%100%
Operating Profit Margin
6.60%12.96%13.70%13.85%6.85%9.67%5.62%6.82%15.17%15.58%6.37%9.67%
Pretax Profit Margin
5.14%11.53%12.20%12.43%5.41%11.51%7.32%8.84%13.60%13.24%17.47%5.41%
Net Profit Margin
3.82%8.08%8.43%8.80%4.51%9.17%6.02%8.16%11.73%10.36%13.76%4.51%
Effective Tax Rate
25.81%29.97%30.88%29.18%16.62%20.38%17.73%22.46%19.44%21.72%21.19%16.62%
Return on Assets
0.64%1.43%1.50%1.55%0.84%1.64%1.12%1.39%2.29%2.02%2.74%0.84%
Return On Equity
4.71%10.00%10.38%10.38%6.07%11.04%7.29%8.59%15.29%13.30%17.06%6.07%
Return on Capital Employed
1.11%2.30%2.28%2.45%1.19%1.74%0.90%1.00%2.97%3.05%1.27%1.19%
Liquidity Ratios
Current Ratio
1.021.021.031.041.021.224.12N/AN/AN/A290.031.02
Quick Ratio
2.140.81-12.66292.52-12.1430.70-1.63-1.5815.76N/A290.03-12.14
Cash ratio
0.670.32-0.020.38-0.020.21-0.01-0.000.61N/A1.18-0.02
Days of Sales Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/A-7.49KN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/A-7.49KN/AN/AN/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/A-7.49KN/AN/AN/AN/A
Debt Ratios
Debt Ratio
0.040.040.040.040.040.040.040.040.050.050.050.04
Debt Equity Ratio
0.320.320.330.300.340.330.300.300.370.350.310.33
Long-term Debt to Capitalization
0.230.220.250.220.250.220.230.230.270.260.240.24
Total Debt to Capitalization
0.240.240.250.230.250.250.230.230.270.260.240.25
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A4.12N/A
Cash Flow to Debt Ratio
0.440.460.370.390.510.520.170.400.410.350.390.52
Company Equity Multiplier
7.326.996.906.687.176.726.496.146.676.555.856.72
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.110.120.100.100.130.140.040.110.110.090.100.14
Free Cash Flow / Operating Cash Flow Ratio
0.900.920.920.900.900.910.800.920.920.880.890.91
Cash Flow Coverage Ratio
0.440.460.370.390.510.520.170.400.410.350.390.52
Short Term Coverage Ratio
8.053.67N/A5.74N/A4.35N/AN/A709.35N/AN/A4.35
Dividend Payout Ratio
39.64%20.09%19.60%19.71%41.19%20.83%29.24%24.40%18.06%21.58%16.50%20.83%