What is the current annual net margin of UNM?

As of today, UNM annual net margin is 5.66%

What is 1-year change in UNM annual net margin?

UNM annual net margin is down -58.96% year-over-year

What is 3-year change in UNM annual net margin?

UNM annual net margin is down -51.87% over the past 3 years

How far is UNM annual net margin from its all-time high?

UNM annual net margin is currently -58.96% below its historical high of 13.79% set on December 31, 2024

How does UNM annual net margin rank versus sector peers?

UNM annual net margin is higher than 24.14% of companies in Financial Services sector

When is UNM next annual earnings release?

The next annual earnings release for UNM is on February 2, 2027

What is the current quarterly net margin of UNM?

As of today, UNM quarterly net margin is -16.99%

What is UNM quarterly net margin most recent change?

UNM quarterly net margin was down -321.80% on September 30, 2026

What is 1-year change in UNM quarterly net margin?

UNM quarterly net margin is down -1539.83% year-over-year

How far is UNM quarterly net margin from its all-time high?

UNM quarterly net margin is currently -184.78% below its historical high of 20.04% set on September 30, 2024

How does UNM quarterly net margin rank versus sector peers?

UNM quarterly net margin is higher than 11.39% of companies in Financial Services sector

When is UNM next earnings release?

The next earnings release for UNM is on February 2, 2027

Unum Group (UNM) Net Margin History & Chart Since 1985

Annual Net Margin

5.66%8.13%-58.96%

December 31, 2025

Summary

Current Value: As of today, UNM annual net margin is 5.66%, down -58.96% on December 31, 2025
Historical Performance: UNM annual net margin is down -51.87% over the past 3 years, down -5.98% over the past 5 years
All-Time High Comparison: UNM annual net margin is currently -58.96% below its historical high of 13.79% set on December 31, 2024
3-Year Low Comparison: UNM annual net margin is at its 3-year low
Sector Comparison: UNM annual net margin is higher than 24.14% of companies in Financial Services sector

Net Margin Chart

beforeafter

Performance

UNM Performance
Metric	Date	Value	1Y	3Y	5Y	15Y
Annual Net Margin	Dec 31, 25	5.66%	-59.0%	-51.9%	-6.0%	-34.9%
Quarterly Net Margin	Sep 30, 26	-16.99%	-1539.8%	-359.8%	-253.5%	-314.0%
Price	Nov 6, 26	$76.75	-0.0%	+75.7%	+191.2%	+251.1%
PE Ratio	Nov 6, 26	54.57	+264.8%	+679.6%	+708.4%	+607.8%
Annual Revenue	Dec 31, 25	$13.05B	+1.2%	+9.1%	-0.8%	+28.1%
Annual Net Income	Dec 31, 25	$738.50M	-58.5%	-47.5%	-6.9%	-16.7%
Annual Gross Margin	Dec 31, 25	0.00%	0.0%	0.0%	0.0%	0.0%
Annual Operating Margin	Dec 31, 25	8.71%	-55.8%	-48.3%	-1.6%	-39.7%

Net Margin Highs

UNM Annual Net Margin Highs Comparison
Period	High	Date	Current
3Y	13.79%	Dec 31, 24	-59.0%
5Y	13.79%	Dec 31, 24	-59.0%
All	13.79%	Dec 31, 24	-59.0%

Net Margin Lows

UNM Annual Net Margin Lows Comparison
Period	Low	Date	Current
3Y	5.66%	Dec 31, 25	at low
5Y	5.66%	Dec 31, 25	at low
All	-2.76%	Dec 31, 93	+305.1%

Net Margin History

Year	Value	Change
2025	5.66%	-59.0%
2024	13.79%	+33.2%
2023	10.35%	-12.0%
2022	11.76%	+71.4%
2021	6.86%	+14.0%
2020	6.02%	-34.4%
2019	9.17%	+103.3%
2018	4.51%	-48.8%
2017	8.81%	+4.5%
2016	8.43%	+4.3%
2015	8.08%	+111.5%
2014	3.82%	-53.9%
2013	8.29%	-2.6%
2012	8.51%	+207.2%
2011	2.77%	-68.1%
2010	8.69%	+5.1%
2009	8.27%	+56.0%
2008	5.30%	-16.0%
2007	6.31%	+65.2%
2006	3.82%	-22.2%

Year	Value	Change
2005	4.91%	+369.8%
2004	-1.82%	+30.0%
2003	-2.60%	-164.0%
2002	4.06%	-34.5%
2001	6.20%	+3.7%
2000	5.98%	+405.1%
1999	-1.96%	-130.4%
1998	6.45%	-7.3%
1997	6.96%	+9.6%
1996	6.35%	+40.5%
1995	4.52%	-7.8%
1994	4.90%	+277.5%
1993	-2.76%	-170.2%
1992	3.93%	-4.4%
1991	4.11%	-36.1%
1990	6.43%	+14.6%
1989	5.61%	+74.2%
1988	3.22%	-55.7%
1986	7.27%	+10.8%
1985	6.56%	-

FAQ

What is the current annual net margin of UNM?: As of today, UNM annual net margin is 5.66%
What is 1-year change in UNM annual net margin?: UNM annual net margin is down -58.96% year-over-year
What is 3-year change in UNM annual net margin?: UNM annual net margin is down -51.87% over the past 3 years
How far is UNM annual net margin from its all-time high?: UNM annual net margin is currently -58.96% below its historical high of 13.79% set on December 31, 2024
How does UNM annual net margin rank versus sector peers?: UNM annual net margin is higher than 24.14% of companies in Financial Services sector
When is UNM next annual earnings release?: The next annual earnings release for UNM is on February 2, 2027

Net Margin Formula

Net Margin = Net Income

Revenue × 100%

Quarterly Net Margin

-16.99%24.65%-321.80%

September 30, 2026

Summary

Current Value: As of today, UNM quarterly net margin is -16.99%, down -321.80% on September 30, 2026
Historical Performance: UNM quarterly net margin is down -1539.83% year-over-year, down -359.79% over the past 3 years
All-Time High Comparison: UNM quarterly net margin is currently -184.78% below its historical high of 20.04% set on September 30, 2024
3-Year Low Comparison: UNM quarterly net margin is at its 3-year low
Sector Comparison: UNM quarterly net margin is higher than 11.39% of companies in Financial Services sector

Performance

UNM Performance
Metric	Date	Value	3M	1Y	3Y	5Y
Quarterly Net Margin	Sep 30, 26	-16.99%	-321.8%	-1539.8%	-359.8%	-253.5%
Annual Net Margin	Dec 31, 25	5.66%	–	-59.0%	-51.9%	-6.0%
Price	Nov 6, 26	$76.75	-14.5%	-0.0%	+75.7%	+191.2%
PE Ratio	Nov 6, 26	54.57	+160.3%	+264.8%	+679.6%	+708.4%
Quarterly Revenue	Sep 30, 26	$2.47B	-26.4%	-26.8%	-20.0%	-16.8%
Quarterly Net Income	Sep 30, 26	-$419.70M	-263.4%	-1157.2%	-307.8%	-227.7%
Quarterly Gross Margin	Sep 30, 26	0.00%	0.0%	0.0%	0.0%	0.0%
Quarterly Operating Margin	Sep 30, 26	-23.19%	-292.9%	-827.0%	-314.3%	-247.5%

Quarterly Net Margin Highs

UNM Quarterly Net Margin Highs Comparison
Period	High	Date	Current
1Y	7.66%	Jun 30, 26	-321.8%
3Y	20.04%	Sep 30, 24	-184.8%
5Y	20.04%	Sep 30, 24	-184.8%
All	20.04%	Sep 30, 24	-184.8%

Quarterly Net Margin Lows

UNM Quarterly Net Margin Lows Comparison
Period	Low	Date	Current
1Y	-16.99%	Sep 30, 26	at low
3Y	-16.99%	Sep 30, 26	at low
5Y	-16.99%	Sep 30, 26	at low
All	-21.70%	Mar 31, 04	+21.7%

Quarterly Net Margin History

Month	Value	Change
Sep 2026	-16.99%	-321.8%
Jun 2026	7.66%	+11.0%
Mar 2026	6.90%	+28.5%
Dec 2025	5.37%	+355.1%
Sep 2025	1.18%	-88.2%
Jun 2025	10.03%	+63.6%
Mar 2025	6.13%	-43.1%
Dec 2024	10.78%	-46.2%
Sep 2024	20.04%	+66.4%
Jun 2024	12.04%	-2.3%
Mar 2024	12.32%	+17.6%
Dec 2023	10.48%	+60.2%
Sep 2023	6.54%	-48.1%
Jun 2023	12.61%	+7.0%
Mar 2023	11.78%	+22.6%
Dec 2022	9.61%	-44.4%
Sep 2022	17.27%	+42.3%
Jun 2022	12.14%	+50.2%
Mar 2022	8.08%	+50.7%
Dec 2021	5.36%	-51.6%
Sep 2021	11.07%	+81.2%
Jun 2021	6.11%	+22.7%
Mar 2021	4.98%	+57.1%
Dec 2020	3.17%	-58.9%
Sep 2020	7.71%	-12.3%
Jun 2020	8.79%	+56.7%
Mar 2020	5.61%	-42.5%
Dec 2019	9.76%	+19.3%
Sep 2019	8.18%	-12.2%
Jun 2019	9.32%	-0.9%
Mar 2019	9.40%	+8.7%
Dec 2018	8.65%	+189.0%
Sep 2018	-9.72%	-198.4%
Jun 2018	9.88%	+4.8%
Mar 2018	9.43%	+0.3%
Dec 2017	9.40%	+5.0%
Sep 2017	8.95%	+3.0%
Jun 2017	8.69%	+6.1%
Mar 2017	8.19%	-7.7%
Dec 2016	8.87%	+3.9%
Sep 2016	8.54%	-0.5%
Jun 2016	8.58%	+11.0%
Mar 2016	7.73%	-7.0%
Dec 2015	8.31%	+8.3%
Sep 2015	7.67%	-7.6%
Jun 2015	8.30%	+3.2%
Mar 2015	8.04%	+175.2%
Dec 2014	-10.69%	-227.6%
Sep 2014	8.38%	-7.0%
Jun 2014	9.01%	+4.3%
Mar 2014	8.64%	+1.1%
Dec 2013	8.55%	+5.6%
Sep 2013	8.10%	-3.6%
Jun 2013	8.40%	+3.7%
Mar 2013	8.10%	-8.0%
Dec 2012	8.80%	+0.5%
Sep 2012	8.76%	+5.9%
Jun 2012	8.27%	+1.0%
Mar 2012	8.19%	+157.8%
Dec 2011	-14.17%	-278.5%
Sep 2011	7.94%	-10.6%
Jun 2011	8.88%	+1.8%
Mar 2011	8.72%	+0.1%
Dec 2010	8.71%	-0.2%
Sep 2010	8.73%	+4.6%
Jun 2010	8.35%	-6.9%
Mar 2010	8.97%	+15.0%
Dec 2009	7.80%	-9.8%
Sep 2009	8.65%	-13.3%
Jun 2009	9.98%	+54.3%
Mar 2009	6.47%	+301.9%
Dec 2008	1.61%	-61.5%
Sep 2008	4.18%	-53.9%
Jun 2008	9.07%	+45.6%
Mar 2008	6.23%	+4.7%
Dec 2007	5.95%	-15.4%
Sep 2007	7.03%	+22.9%
Jun 2007	5.72%	-12.9%
Mar 2007	6.57%	-35.3%
Dec 2006	10.16%	+525.1%
Sep 2006	-2.39%	-151.1%
Jun 2006	4.68%	+69.6%
Mar 2006	2.76%	-46.5%
Dec 2005	5.16%	+156.7%

Month	Value	Change
Sep 2005	2.01%	-69.4%
Jun 2005	6.57%	+11.0%
Mar 2005	5.92%	+17.7%
Dec 2004	5.03%	-20.3%
Sep 2004	6.31%	+111.0%
Jun 2004	2.99%	+113.8%
Mar 2004	-21.70%	-131.6%
Dec 2003	-9.37%	-332.5%
Sep 2003	4.03%	+7.8%
Jun 2003	3.74%	+137.8%
Mar 2003	-9.90%	-326.5%
Dec 2002	4.37%	-2.2%
Sep 2002	4.47%	+10.9%
Jun 2002	4.03%	+25.5%
Mar 2002	3.21%	-42.2%
Dec 2001	5.55%	+3.7%
Sep 2001	5.35%	-13.4%
Jun 2001	6.18%	-20.5%
Mar 2001	7.77%	+19.5%
Dec 2000	6.50%	+9.6%
Sep 2000	5.93%	+0.5%
Jun 2000	5.90%	+5.0%
Mar 2000	5.62%	-2.9%
Dec 1999	5.79%	+164.9%
Sep 1999	-8.92%	-6.3%
Jun 1999	-8.39%	-212.3%
Mar 1999	7.47%	+180.8%
Dec 1998	2.66%	-68.3%
Sep 1998	8.40%	+10.4%
Jun 1998	7.61%	+6.3%
Mar 1998	7.16%	+1.4%
Dec 1997	7.06%	-19.3%
Sep 1997	8.75%	-2.7%
Jun 1997	8.99%	-17.2%
Mar 1997	10.86%	+139.2%
Dec 1996	4.54%	+5.6%
Sep 1996	4.30%	-42.4%
Jun 1996	7.47%	+3.9%
Mar 1996	7.19%	+20.8%
Dec 1995	5.95%	-13.6%
Sep 1995	6.89%	-10.4%
Jun 1995	7.69%	+15.8%
Mar 1995	6.64%	+14.1%
Dec 1994	5.82%	+184.0%
Sep 1994	-6.93%	-175.4%
Jun 1994	9.19%	+4.6%
Mar 1994	8.79%	-8.1%
Dec 1993	9.56%	+12.7%
Sep 1993	8.48%	-10.3%
Jun 1993	9.45%	+21.6%
Mar 1993	7.77%	-15.5%
Dec 1992	9.19%	-3.5%
Sep 1992	9.52%	-3.1%
Jun 1992	9.82%	+7.1%
Mar 1992	9.17%	+15.5%
Dec 1991	7.94%	-8.4%
Sep 1991	8.67%	-6.8%
Jun 1991	9.30%	+16.4%
Mar 1991	7.99%	+6.4%
Dec 1990	7.51%	-10.5%
Sep 1990	8.39%	-14.4%
Jun 1990	9.80%	+13.7%
Mar 1990	8.62%	+7.3%
Dec 1989	8.03%	-9.2%
Sep 1989	8.84%	+6.5%
Jun 1989	8.30%	+19.8%
Mar 1989	6.93%	-4.1%
Dec 1988	7.23%	+20.3%
Sep 1988	6.01%	-2.1%
Jun 1988	6.14%	+19.9%
Mar 1988	5.12%	+48.0%
Dec 1987	3.46%	-33.2%
Sep 1987	5.18%	+9.5%
Jun 1987	4.73%	+60.9%
Mar 1987	2.94%	+538.8%
Dec 1986	-0.67%	-107.4%
Sep 1986	9.10%	0.0%
Jun 1986	9.10%	0.0%
Mar 1986	9.10%	+38.9%
Dec 1985	6.55%	-0.5%
Sep 1985	6.58%	0.0%
Jun 1985	6.58%	0.0%
Mar 1985	6.58%	-

FAQ

What is the current quarterly net margin of UNM?: As of today, UNM quarterly net margin is -16.99%
What is UNM quarterly net margin most recent change?: UNM quarterly net margin was down -321.80% on September 30, 2026
What is 1-year change in UNM quarterly net margin?: UNM quarterly net margin is down -1539.83% year-over-year
How far is UNM quarterly net margin from its all-time high?: UNM quarterly net margin is currently -184.78% below its historical high of 20.04% set on September 30, 2024
How does UNM quarterly net margin rank versus sector peers?: UNM quarterly net margin is higher than 11.39% of companies in Financial Services sector
When is UNM next earnings release?: The next earnings release for UNM is on February 2, 2027

Net Margin Formula

Net Margin = Net Income

Revenue × 100%

Data Sources & References

UNM Official Website www.unum.com
Most Recent Annual Report (10-K) www.sec.gov/Archives/edgar/data/5513/000000551326000008/0000005513-26-000008-index.htm
UNM Profile on Yahoo Finance finance.yahoo.com/quote/UNM
UNM Profile on NASDAQ.com www.nasdaq.com/market-activity/stocks/unm