UNM Unum Group margins

Relative Growth: Rel. Growth:

Relative Strength: Rel. Strength:

Relative Valuation: Rel. Valuation:

Relative Profitability: Rel. Profitability: 31

Gross margin

36.3%

Operating margin

4.1%

EBITDA margin

5.3%

Net margin

1.9%

The Unum Group shows a gross margin of 36.3%, an operating margin of 4.1%, an EBITDA margin of 5.3%, and a net margin of 1.9%. All reported margins declined year over year, led by operating margin with a decline of 6.4 percentage points.

UNM margin history

Gross, operating, EBITDA and net margin trends

Over the last 3 years, Unum Group's margins averaged 41.44% gross, 13.08% operating, 14.04% EBITDA, and 9.06% 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 6.4 percentage points, while the other available margins also decreased.

Gross margin expansion

-2.2pp

Operating margin expansion

-6.4pp

EBITDA margin expansion

-6.1pp

Net margin expansion

-5.1pp

UNM Gross margin

The average gross margin for Unum Group was 41.44% over the last 3 years. Currently, the current gross margin for Unum Group is 36.3%, 5.1 percentage points below its three-year average. The gross margin for Unum Group moved between 36.3% in Sep 2026 and 46.3% in Dec 2024.

UNM Operating margin

Over the last 3 years, the average operating margin for Unum Group was 13.08%. The latest operating margin for Unum Group is 4.1%, 9 percentage points below its three-year average. Unum Group's operating margin ranged from a low of 4.1% in Sep 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 14.04%. The latest EBITDA margin for Unum Group is 5.3%, 8.7 percentage points below its three-year average. Unum Group's EBITDA margin ranged from a low of 5.3% in Sep 2026 to a high of 19.9% in Dec 2024.

UNM Net margin

Unum Group's net margin averaged 9.06% over the last 3 years. Unum Group currently reports a net margin of 1.9%, 7.2 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 1.9% in Sep 2026.

UNM margin group comparison

Margins compared with peer-group, industry and sector averages

With a gross margin of 36.3%, UNM ranks lower than the Financial Services sector, the industry and its peers average. In comparison with the Financial Services sector average of 83.5%, Unum Group's gross margin is 57% lower.

UNM margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is Unum Group's gross margin?

For the period ending Sep 30, 2026, UNM recorded a gross margin of 36.3%.

What is Unum Group's operating margin?

As of Sep 30, 2026, UNM has an operating margin of 4.1%.

What is Unum Group's EBITDA margin?

As of Sep 30, 2026, UNM has an EBITDA margin of 5.3%.

What is Unum Group's net margin?

The current net margin for UNM is 1.9% as of Sep 30, 2026.

What are the average margins of UNM?

Over the past 3 years, UNM reported average margins of 41.4% gross, 13.1% operating, 14.0% EBITDA, and 9.1% 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 36.3% gross in Sep 2026, 4.1% operating in Sep 2026, 5.3% EBITDA in Sep 2026, and 1.9% net in Sep 2026.