UNM Unum Group margins

Relative Growth: Rel. Growth: 24

Relative Strength: Rel. Strength: 76

Relative Valuation: Rel. Valuation: 59

Relative Profitability: Rel. Profitability: 39

Gross margin

38.4%

Operating margin

8.4%

EBITDA margin

9.5%

Net margin

5.3%

The Unum Group shows a gross margin of 38.4%, an operating margin of 8.4%, an EBITDA margin of 9.5%, and a net margin of 5.3%. All reported margins declined year over year, led by operating margin with a decline of 8.1 percentage points.

UNM margin history

Gross, operating, EBITDA and net margin trends

Over the last 3 years, Unum Group's margins averaged 41.91% gross, 13.9% operating, 14.84% EBITDA, and 9.71% net. All four current margins are below their three-year averages.

UNM margin expansion

Year-over-year margin changes in percentage points

Operating margin led the decline, falling by 8.1 percentage points, while the other available margins also decreased.

Gross margin expansion

-6pp

Operating margin expansion

-8.1pp

EBITDA margin expansion

-7.9pp

Net margin expansion

-6.5pp

UNM Gross margin

The average gross margin for Unum Group was 41.91% over the last 3 years. Currently, the current gross margin for Unum Group is 38.4%, 3.5 percentage points below its three-year average. The gross margin for Unum Group moved between 38.3% in Dec 2025 and 46.3% in Dec 2024.

UNM Operating margin

Over the last 3 years, the average operating margin for Unum Group was 13.9%. The latest operating margin for Unum Group is 8.4%, 5.5 percentage points below its three-year average. Unum Group's operating margin ranged from a low of 8.4% in Jun 2026 to a high of 19% in Dec 2024.

UNM EBITDA margin

Over the last 3 years, the average EBITDA margin for Unum Group was 14.84%. The latest EBITDA margin for Unum Group is 9.5%, 5.3 percentage points below its three-year average. Unum Group's EBITDA margin ranged from a low of 9.5% in Jun 2026 to a high of 19.9% in Dec 2024.

UNM Net margin

Unum Group's net margin averaged 9.71% over the last 3 years. Unum Group currently reports a net margin of 5.3%, 4.4 percentage points below its three-year average. Over the last 3 years, Unum Group's net margin peaked at 13.8% in Dec 2024 and reached a low of 5.3% in Jun 2026.

UNM margin group comparison

Margins compared with peer-group, industry and sector averages

With a gross margin of 38.4%, UNM ranks lower than the Financial Services sector, the industry and its peers average. In comparison with the Financial Services sector average of 83.7%, Unum Group's gross margin is 54% lower.

UNM margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is Unum Group's gross margin?

For the period ending Jun 30, 2026, UNM recorded a gross margin of 38.4%.

What is Unum Group's operating margin?

As of Jun 30, 2026, UNM has an operating margin of 8.4%.

What is Unum Group's EBITDA margin?

As of Jun 30, 2026, UNM has an EBITDA margin of 9.5%.

What is Unum Group's net margin?

The current net margin for UNM is 5.3% as of Jun 30, 2026.

What are the average margins of UNM?

Over the past 3 years, UNM reported average margins of 41.9% gross, 13.9% operating, 14.8% EBITDA, and 9.7% net.

What are the highest historical margins of UNM?

Across the 5-year period, UNM posted its highest margins at 46.3% gross in Dec 2024, 19% operating in Dec 2024, 19.9% EBITDA in Dec 2024, and 13.8% net in Dec 2024.

What are the lowest historical margins of UNM?

Over the last 5 years, Unum Group's lowest margins were 37.1% gross in Dec 2021, 8.4% operating in Jun 2026, 9.5% EBITDA in Jun 2026, and 5.3% net in Jun 2026.