UNM FINANCIAL STATEMENTS

Unum Group — balance sheet, income statement and cash flow trends

UNMUnum Group

🇺🇸 USA · NYSE · Financial Services · Insurance - Life

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue13.3 B $+4.8%

Gross Profit4.5 B $-27.1%

Operating Income992.6 M $-52.1%

EBITDA1.3 B $-42.8%

Net Income781.4 M $-50.3%

Peer Comparison· Insurance - Life

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
UNM	—	—	—	5.9%
CGF	—	—	—	16.7%
POW	—	—	—	7.9%
GWO	—	—	—	12.9%
MFC	—	—	—	12.0%
ANHYT	—	—	—	—
Industry median	—	—	—	9.1%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity10.9 B $17%
Current Liabilities87.6 M $0%
Long-term Liabilities51.7 B $82%

Key Figures

YoY change

Total Assets62.7 B $+0.4%

Total Liabilities51.8 B $+1.1%

Total Equity10.9 B $-2.9%

Cash & ST Investments192.6 M $-19.0%

Total Debt3.8 B $+0.5%

Net Debt3.6 B $+1.9%

Peer Comparison· Insurance - Life

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
UNM	20.63	34.5%	2.69	17.4%
CGF	—	196.4%	5.92	11.6%
POW	0.87	87.0%	-1.61	2.6%
GWO	6.57	29.6%	-2.78	3.5%
MFC	—	26.1%	-0.13	5.0%
ANHYT	1.18	0.0%	—	2.4%
Industry median	5.67	48.3%	-1.58	4.8%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
UNM	20.63	34.5%	2.69	17.4%
GL	1.13	45.7%	1.45	19.6%
PRI	7.42	70.4%	-0.18	17.2%
JXN	4.78	48.1%	126.62	2.8%
LNC	18.36	62.4%	-16.78	2.5%
PRU	28.00	62.0%	-0.58	4.2%
Industry median	5.67	48.3%	-1.58	4.8%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow674.9 M $-57.0%

Capital Expenditures136.1 M $+2.2%

Free Cash Flow538.8 M $-62.5%

Dividends Paid-307.3 M $-202.1%

Peer Comparison· Insurance - Life

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
UNM	5.1%	4.1%	1.0%	86.4%
CGF	68.7%	68.7%	0.0%	410.6%
POW	19.9%	18.0%	1.9%	250.8%
GWO	14.3%	14.3%	0.0%	111.5%
MFC	54.0%	54.0%	0.0%	451.1%
ANHYT	—	—	—	100.0%
Industry median	19.9%	18.0%	0.0%	147.7%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
UNM	5.1%	4.1%	1.0%	86.4%
GL	22.8%	20.2%	2.6%	117.7%
PRI	25.9%	25.6%	1.0%	111.4%
JXN	88.9%	88.9%	0.0%	-1,396.5%
LNC	1.3%	1.3%	0.0%	14.1%
PRU	15.5%	15.5%	0.0%	282.3%
Industry median	19.9%	18.0%	0.0%	147.7%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 7, 26. This content is for informational purposes only and is not investment advice.

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
UNM	—	—	—	5.9%
GL	—	—	—	19.4%
PRI	—	—	—	23.2%
JXN	—	—	—	-6.4%
LNC	—	—	—	9.1%
PRU	—	—	—	5.5%
Industry median	—	—	—	9.1%