Unum Group - Asset Resilience Ratio
Unum Group (UNM) has an Asset Resilience Ratio of 56.72% as of September 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Read UNM total debt and obligations for a breakdown of total debt and financial obligations.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (1996–2024)
This chart shows how Unum Group's Asset Resilience Ratio has changed over time. See what is Unum Group's book value for net asset value and shareholders' equity analysis.
Liquid Assets Composition Over Time
This chart breaks down Unum Group's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see UNM company net worth.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $327.90 Million | 0.51% |
| Short-term Investments | $35.79 Billion | 56.21% |
| Total Liquid Assets | $36.12 Billion | 56.72% |
Asset Resilience Insights
- Very High Liquidity: Unum Group maintains exceptional liquid asset reserves at 56.72% of total assets.
- This level provides strong protection against economic uncertainties but may indicate potential for more aggressive growth investments.
- The company has significant short-term investments, indicating active treasury management.
Unum Group Industry Peers by Asset Resilience Ratio
Compare Unum Group's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Challenger Ltd
AU:CGF |
Insurance - Life | 2.14% |
|
E-L Financial Corp Ltd
TO:ELF |
Insurance - Life | 1.41% |
|
Pacific Strategic Financial
JK:APIC |
Insurance - Life | 0.35% |
|
Clearview Wealth Ltd
AU:CVW |
Insurance - Life | 22.11% |
|
Nobleoak Life Ltd
AU:NOL |
Insurance - Life | 15.08% |
|
Hapvida Participações e Investimentos S.A.
SA:HAPV3 |
Insurance - Life | 9.67% |
|
Manulife Financial Corp
TO:MFC |
Insurance - Life | 3.54% |
|
Great-West Lifeco Inc.
TO:GWO |
Insurance - Life | 3.37% |
Annual Asset Resilience Ratio for Unum Group (1996–2024)
The table below shows the annual Asset Resilience Ratio data for Unum Group.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 61.48% | $38.33 Billion | $62.35 Billion | +0.47pp |
| 2023-12-31 | 61.01% | $38.59 Billion | $63.26 Billion | +1.92pp |
| 2022-12-31 | 59.09% | $36.35 Billion | $61.53 Billion | +57.00pp |
| 2021-12-31 | 2.09% | $1.46 Billion | $70.12 Billion | -0.27pp |
| 2020-12-31 | 2.36% | $1.67 Billion | $70.63 Billion | -69.06pp |
| 2019-12-31 | 71.42% | $48.82 Billion | $68.36 Billion | +1.03pp |
| 2018-12-31 | 70.39% | $44.07 Billion | $62.61 Billion | -1.33pp |
| 2017-12-31 | 71.72% | $46.69 Billion | $65.10 Billion | +0.76pp |
| 2016-12-31 | 70.96% | $45.10 Billion | $63.56 Billion | -0.41pp |
| 2015-12-31 | 71.36% | $44.16 Billion | $61.88 Billion | +0.13pp |
| 2014-12-31 | 71.24% | $46.04 Billion | $64.63 Billion | +0.02pp |
| 2013-12-31 | 71.22% | $43.26 Billion | $60.74 Billion | -2.57pp |
| 2012-12-31 | 73.79% | $46.43 Billion | $62.93 Billion | +71.43pp |
| 2011-12-31 | 2.36% | $1.42 Billion | $60.20 Billion | +0.35pp |
| 2010-12-31 | 2.01% | $1.16 Billion | $57.81 Billion | -- |
| 2010-11-19 | 0.00% | $0.00 | $57.31 Billion | -- |
| 2009-12-31 | 1.57% | $865.50 Million | $55.04 Billion | -0.82pp |
| 2008-12-31 | 2.39% | $1.18 Billion | $49.42 Billion | -0.43pp |
| 2007-12-31 | 2.83% | $1.49 Billion | $52.61 Billion | +1.60pp |
| 2006-12-31 | 1.22% | $648.40 Million | $53.09 Billion | +0.42pp |
| 2005-12-31 | 0.80% | $417.90 Million | $52.13 Billion | -0.01pp |
| 2004-12-31 | 0.81% | $410.20 Million | $50.83 Billion | +0.14pp |
| 2003-12-31 | 0.67% | $332.20 Million | $49.72 Billion | +0.19pp |
| 2002-12-31 | 0.48% | $218.40 Million | $45.26 Billion | -0.41pp |
| 2001-12-31 | 0.89% | $379.70 Million | $42.44 Billion | +0.20pp |
| 2000-12-31 | 0.69% | $279.40 Million | $40.36 Billion | -0.14pp |
| 1999-12-31 | 0.84% | $321.50 Million | $38.45 Billion | +0.71pp |
| 1998-12-31 | 0.13% | $28.90 Million | $23.09 Billion | -0.12pp |
| 1997-12-31 | 0.25% | $57.50 Million | $23.18 Billion | -1.43pp |
| 1996-12-31 | 1.68% | $252.30 Million | $14.99 Billion | -- |
About Unum Group
Unum Group, together with its subsidiaries, provides financial protection benefit solutions in the United States, the United Kingdom, and Poland. It operates through Unum US, Unum International, Colonial Life, and Closed Block segment. The company offers group long-term and short-term disability, group life, and accidental death and dismemberment products; supplemental and voluntary products, suc… Read more