Unum Group (UNM) — Financial Flexibility Index
Unum Group (UNM) has a Financial Flexibility Index of 0.01x as of March 2026. Free cash flow of $380.40 Million (operating CF $340.80 Million minus capex $39.60 Million) represents 0% of total liabilities ($51.82 Billion). Check UNM capital-intensive asset ratio to assess the company's strategic physical and investment asset allocation.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Unum Group Financial Flexibility Index (1990–2025)
Historical Financial Flexibility Index trend for Unum Group across 37 annual periods. See Unum Group (UNM) liquidity to equity ratio to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for Unum Group (1990–2025)
Year-by-year free cash flow to debt coverage for Unum Group. For the full company profile including market capitalisation, see Unum Group stock valuation.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.02x | $820.00 Million | $687.70 Million | $52.98 Billion | ▼ -51.5% |
| 2024 | 0.03x | $1.64 Billion | $1.51 Billion | $51.39 Billion | ▲ +27.8% |
| 2023 | 0.02x | $1.34 Billion | $1.20 Billion | $53.60 Billion | ▼ -13.4% |
| 2022 | 0.03x | $1.52 Billion | $1.42 Billion | $52.79 Billion | ▲ +12.9% |
| 2021 | 0.03x | $1.50 Billion | $1.39 Billion | $58.70 Billion | ▲ +112.8% |
| 2020 | 0.01x | $716.60 Million | $597.50 Million | $59.75 Billion | ▼ -63.0% |
| 2019 | 0.03x | $1.89 Billion | $1.74 Billion | $58.40 Billion | ▲ +4.1% |
| 2018 | 0.03x | $1.68 Billion | $1.54 Billion | $53.99 Billion | ▲ +37.8% |
| 2017 | 0.02x | $1.25 Billion | $1.15 Billion | $55.53 Billion | ▲ +2.7% |
| 2016 | 0.02x | $1.20 Billion | $1.12 Billion | $54.59 Billion | ▼ -15.9% |
| 2015 | 0.03x | $1.39 Billion | $1.29 Billion | $53.22 Billion | ▲ +9.7% |
| 2014 | 0.02x | $1.34 Billion | $1.22 Billion | $56.11 Billion | ▲ +9.2% |
| 2013 | 0.02x | $1.14 Billion | $1.03 Billion | $52.08 Billion | ▼ -20.2% |
| 2012 | 0.03x | $1.49 Billion | $1.38 Billion | $54.31 Billion | ▲ +19.2% |
| 2011 | 0.02x | $1.19 Billion | $1.19 Billion | $52.03 Billion | ▼ -6.3% |
| 2010 | 0.02x | $1.20 Billion | $1.20 Billion | $48.87 Billion | ▼ -1.0% |
| 2010 | 0.02x | $1.20 Billion | $1.20 Billion | $48.36 Billion | ▼ -6.9% |
| 2009 | 0.03x | $1.24 Billion | $1.24 Billion | $46.54 Billion | ▼ -13.8% |
| 2008 | 0.03x | $1.33 Billion | $1.33 Billion | $43.02 Billion | ▼ -21.5% |
| 2007 | 0.04x | $1.75 Billion | $1.75 Billion | $44.57 Billion | ▲ +24.4% |
| 2006 | 0.03x | $1.43 Billion | $1.43 Billion | $45.38 Billion | ▼ -6.0% |
| 2005 | 0.03x | $1.50 Billion | $1.50 Billion | $44.77 Billion | ▲ +96.1% |
| 2004 | 0.02x | $747.00 Million | $747.00 Million | $43.61 Billion | ▼ -45.9% |
| 2003 | 0.03x | $1.35 Billion | $1.35 Billion | $42.45 Billion | ▼ -32.4% |
| 2002 | 0.05x | $1.79 Billion | $1.79 Billion | $38.12 Billion | ▼ -5.2% |
| 2001 | 0.05x | $1.79 Billion | $1.77 Billion | $36.20 Billion | ▲ +40.7% |
| 2000 | 0.04x | $1.21 Billion | $1.21 Billion | $34.49 Billion | ▼ -25.6% |
| 1999 | 0.05x | $1.57 Billion | $1.57 Billion | $33.17 Billion | ▲ +1.5% |
| 1998 | 0.05x | $916.30 Million | $916.30 Million | $19.68 Billion | ▲ +12.0% |
| 1997 | 0.04x | $827.00 Million | $827.00 Million | $19.90 Billion | ▼ -16.6% |
| 1996 | 0.05x | $660.60 Million | $660.60 Million | $13.25 Billion | ▼ -96.3% |
| 1995 | 1.34x | $783.20 Million | $756.10 Million | $583.80 Million | ▼ -21.3% |
| 1994 | 1.70x | $730.70 Million | $700.80 Million | $428.70 Million | ▼ -29.2% |
| 1993 | 2.41x | $574.30 Million | $556.10 Million | $238.60 Million | ▼ -23.2% |
| 1992 | 3.14x | $558.10 Million | $538.00 Million | $178.00 Million | ▼ -14.1% |
| 1991 | 3.65x | $710.80 Million | $667.20 Million | $194.80 Million | ▼ -39.5% |
| 1990 | 6.03x | $694.50 Million | $557.40 Million | $115.20 Million | — |