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Unum Group

UNM

$73.95 ▼ -0.81 (-1.09%) at close

19 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Fair

Neutral

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Analytical Summary

Unum Group shows mixed fundamentals. Consider comparing against peers in the Financials sector before making investment decisions.

Market Cap $12.8B

Dividend Yield 2.38%

Revenue Growth 1.5% ↘

Op. Margin 7.1% ↘

ROIC None

FCF / Share None

Trailing P/E 17.3x

Price / Book 1.2x

FCF Yield —

Debt / Equity 0.34

info Valuation on last close. End-of-day price, Nov 5, 2026.

19-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$13.08B

↑ +1.5% —

Net Income Profit after all expenses

$738.50M

↓ -58.5% —

Operating Margin Operating profit as % of sales

7.1%

↓ -59.1% 49th

Long-Term Debt Long-term obligations

$3.77B

↑ +0.7% —

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$1.76 Latest / share

+12.1% YoY

+8.7% 8-yr CAGR

FY 2014

FY 2015

FY 2016

FY 2017

$0.98

FY 2018

$1.09

FY 2019

$1.14

FY 2020

$1.17

FY 2021

$1.26

FY 2022

$1.39

FY 2023

$1.57

FY 2024

$1.76

FY 2025

Financial view

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Choose the reporting cadence, isolate a period range, or search directly for a metric.

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue Growth YoY (%)	1.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-76%)	4.0% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-33%)	3.4% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-44%)	-0.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-104%)	-8.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-245%)	9.7% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+62%)	3.5% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-42%)	2.8% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-54%)	2.2% Caution → Caution Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-64%)	2.9% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-51%)	2.0% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-67%)	1.6% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-73%)	-1.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-126%)	2.3% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-62%)	0.8% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-86%)	1.0% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-83%)	1.1% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-82%)	-5.1% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-185%)	—
EPS Growth YoY (%)	-54.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	45.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-6.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	73.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	3.9% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	-25.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	120.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-45.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	10.9% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	12.8% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	123.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-51.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	1.9% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	238.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-65.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	5.8% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	58.6% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-15.6% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—
Net Income Growth YoY (%)	-58.5% Weak ↓ Weak Declining Year-over-year change in net income	38.6% Excellent ↑ Excellent Improving Year-over-year change in net income	-8.8% Weak ↓ Weak Declining Year-over-year change in net income	70.7% Excellent ↑ Excellent Improving Year-over-year change in net income	3.9% Caution ↓ Caution Declining Year-over-year change in net income	-27.9% Weak ↓ Weak Declining Year-over-year change in net income	110.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-47.4% Weak ↓ Weak Declining Year-over-year change in net income	6.7% Fair ↓ Fair Declining Year-over-year change in net income	7.4% Fair ↓ Fair Declining Year-over-year change in net income	115.6% Excellent ↑ Excellent Improving Year-over-year change in net income	-53.1% Weak ↓ Weak Declining Year-over-year change in net income	-4.1% Weak ↓ Weak Declining Year-over-year change in net income	214.7% Excellent ↑ Excellent Improving Year-over-year change in net income	-67.9% Weak ↓ Weak Declining Year-over-year change in net income	3.9% Caution ↓ Caution Declining Year-over-year change in net income	54.1% Excellent Excellent Year-over-year change in net income	-18.6% Weak Weak Year-over-year change in net income	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	2.9% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	2.4% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	-2.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-0.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	1.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	5.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	2.8% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	2.6% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	2.4% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	2.2% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	0.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	0.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	0.5% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	1.4% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	1.0% Weak Weak Compound annual revenue growth over 3 years	-1.0% Weak Weak Compound annual revenue growth over 3 years	—	—	—
Revenue CAGR 5Y (%)	-0.1% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	1.4% Caution → Caution Stable Compound annual revenue growth over 5 years	1.3% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	1.2% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	1.7% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	4.2% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	2.7% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	2.3% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	1.4% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	1.5% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	1.0% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	0.8% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	0.7% Weak Weak Compound annual revenue growth over 5 years	-0.0% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—
EPS CAGR 3Y (%)	-15.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	32.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	18.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	10.1% Good ↑ Good Improving Compound annual EPS growth over 3 years	19.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-4.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	9.9% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	-12.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	40.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	6.9% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	3.3% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	18.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	6.0% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	7.4% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-16.6% Weak Weak Compound annual EPS growth over 3 years	12.3% Good Good Compound annual EPS growth over 3 years	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Operating Margin (%) (%)	7.1% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-71%)	17.5% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-30%)	13.2% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-47%)	14.6% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-42%)	8.8% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-65%)	—	—	—	—	—	—	—	12.0% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-52%)	11.8% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-53%)	3.6% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-86%)	12.8% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-49%)	—	—	—
Effective Tax Rate (%) (%)	20.9% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.0% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.7% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.6% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.5% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	5.6% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-74%)	13.8% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-37%)	10.4% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-53%)	11.7% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-47%)	6.9% Caution → Caution Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-69%)	6.0% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-73%)	9.2% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-58%)	4.5% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-79%)	8.8% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-60%)	8.4% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	8.1% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-63%)	3.8% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-83%)	8.3% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	8.5% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-61%)	2.8% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-87%)	8.7% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-60%)	8.4% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	5.5% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-75%)	6.5% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-71%)
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	6.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-45%)	16.2% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+35%)	13.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+11%)	16.1% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+34%)	7.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-40%)	7.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-39%)	11.0% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-8%)	6.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-49%)	10.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-13%)	10.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-13%)	10.0% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-17%)	4.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-61%)	9.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-17%)	10.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-13%)	3.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-71%)	9.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-17%)	10.0% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-16%)	8.6% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-28%)	8.4% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-30%)

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Debt to Equity (x)	0.34x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-72%)	0.34x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-72%)	0.36x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-70%)	0.39x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-67%)	0.30x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-75%)	0.31x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-74%)	0.33x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-72%)	0.34x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-71%)	0.31x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-74%)	0.33x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-72%)	0.32x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-73%)	0.33x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-73%)	0.30x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-75%)	0.32x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-73%)	0.31x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-74%)	0.29x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-75%)	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue per Share (USD)	$75.79	$68.73	$62.98	$59.73	$58.82	$64.63	$57.21	$52.81	$49.83	$46.92	$43.45	$41.19	$39.11	$37.37	$33.99	$31.28	$30.46	$29.27	—
Basic EPS, GAAP (USD)	$4.28	$9.49	$6.53	$7.01	$4.04	$3.89	$5.25	$2.38	$4.39	$3.96	$3.51	$1.57	$3.24	$3.18	$0.94	$2.72	$2.57	$1.62	$1.92
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.76	$1.57	$1.39	$1.26	$1.17	$1.14	$1.09	$0.98	—	—	—	—	—	—	—	—	—	—	—
Book Value per Share (USD)	$64.45	$58.46	$49.08	$43.53	$55.90	$53.38	$47.51	$39.26	$42.27	$38.09	$35.08	$33.35	$32.71	$30.61	$27.02	$27.45	$25.66	$18.76	—
Tangible Book Value per Share (USD)	$62.40	$56.60	$47.30	$41.80	$54.17	$51.65	$45.84	$37.66	$40.78	$36.67	$34.14	$32.57	$31.95	$29.89	$26.35	$26.83	$25.05	$18.76	—
Basic Weighted Avg Shares (shares)	172.51M	187.50M	196.66M	200.65M	204.23M	203.64M	209.73M	219.64M	226.49M	235.45M	246.99M	255.53M	264.73M	281.36M	302.40M	325.84M	331.27M	341.02M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$3.77B	$3.74B	$3.43B	$3.43B	$3.44B	$3.35B	$3.33B	$2.97B	$2.94B	$3.00B	$2.80B	$2.78B	$2.61B	$2.76B	$2.57B	$2.63B	—	—	—
Total Equity (USD)	$11.12B	$10.96B	$9.65B	$8.73B	$11.42B	$10.87B	$9.96B	$8.62B	$9.57B	$8.97B	$8.66B	$8.52B	$8.66B	$8.61B	$8.17B	$8.94B	$8.50B	$6.40B	$8.04B

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Sales/Revenue/Turnover (USD)	$13.08B	$12.89B	$12.39B	$11.98B	$12.01B	$13.16B	$12.00B	$11.60B	$11.29B	$11.05B	$10.73B	$10.52B	$10.35B	$10.52B	$10.28B	$10.19B	$10.09B	$9.98B	$10.52B
Depreciation Expense (USD)	—	—	—	—	—	—	—	—	—	—	—	—	$509.80M	$468.50M	$455.00M	$631.90M	—	—	—
Net Income, GAAP (USD)	$738.50M	$1.78B	$1.28B	$1.41B	$824.20M	$793.00M	$1.10B	$523.40M	$994.20M	$931.40M	$867.10M	$402.10M	$858.10M	$894.40M	$284.20M	$886.10M	$852.60M	$553.20M	$679.30M
Operating Cash Flow (USD)	$687.70M	$1.51B	$1.20B	$1.42B	$1.39B	$597.50M	$1.74B	$1.54B	$1.16B	$1.12B	$1.29B	$1.22B	$1.03B	$1.38B	$1.19B	$1.20B	$1.24B	$1.33B	$1.75B

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Premiums Earned (USD)	$10.83B	$10.50B	$10.05B	$9.62B	$9.48B	$9.38B	$9.37B	$8.99B	$8.60B	$8.36B	$8.08B	$7.80B	$7.62B	$7.72B	$7.51B	$7.43B	$7.48B	$7.78B	$7.90B
Loss Ratio (%) (%)	70.4%	71.3%	72.8%	78.4%	80.1%	95.7%	80.0%	89.3%	82.1%	83.1%	83.9%	93.8%	86.5%	87.1%	95.9%	85.5%	84.2%	85.1%	88.4%

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 19 years · 74 quarters

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