Unum Group Financial Flexibility Index
Unum Group financial flexibility index. Unum Group (UNM) has a Financial Flexibility Index of 0.01x as of June 2026. Free cash flow of $532.70 Million (operating CF $503.50 Million minus capex $29.20 Million) represents 0% of total liabilities ($52.68 Billion). See Unum Group free cash flow ratio to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of Unum Group (1990–2025)
Financial flexibility index of Unum Group from 1990 to 2025. Historical Financial Flexibility Index trend for Unum Group across 37 annual periods. Check UNM cash to earnings ratio to evaluate the quality of earnings relative to operating cash generation.
Unum Group Financial Flexibility Index by Year (1990–2025)
Unum Group financial flexibility index by year from 1990 to 2025. Year-by-year free cash flow to debt coverage for Unum Group. For the full cash flow conversion analysis, see UNM cash generation efficiency.
| 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 | — |