Also trades as: 0LJN.L (LSE) · $vol 0M

$89.16

-0.96 (-1.07%)

Weekly Expected Move ±3.3%

$84 $87 $90 $93 $96

NYSE · Financial Services · Insurance - Life · Tech Score Sell · Power 47 · $14.1B mcap · 143M float · 1.14% daily turnover · Short 51% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: $57.7M held by 151 funds, 107 bp over Treasuries → details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
Bond figures are fund-reported marks (SEC N-PORT) as of Jul 2026. How these are computed.

Revenue Segmentation

By Product / Service

Revenue by Segment (5-Year Trend)

Income Trends

Revenue

$13.1B +2.1% ▲

5Y CAGR: -0.1%

Gross Profit

$5.0B +5.2% ▲

5Y CAGR: +10.1%

Operating Income

$934M -58.5% ▼

5Y CAGR: -0.6%

Net Income

$738M -58.5% ▼

5Y CAGR: -1.4%

EPS (Diluted)

$4.28 -54.8% ▼

5Y CAGR: +1.9%

EBITDA

$1.3B -50.7% ▼

5Y CAGR: -0.0%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$11.8B	$11.9B	$12.3B	$12.8B	$13.1B
YoY Growth	-8.7%	-0.2%	+3.3%	+4.0%	+2.1%
Cost of Revenue	$8.5B	$7.9B	$8.3B	$8.0B	$8.1B
Gross Profit	$3.3B	$3.9B	$4.0B	$4.7B	$5.0B
Gross Margin	28.0%	33.1%	32.8%	37.1%	38.2%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$975M	$1.1B	$1.2B	$1.2B	$0
Operating Expenses	$2.1B	$2.2B	$2.4B	$2.5B	$4.1B
Operating Income	$1.3B	$1.8B	$1.6B	$2.3B	$934M
Operating Margin	10.6%	14.7%	13.3%	17.6%	7.2%
Interest Expense	$185M	$188M	$195M	$201M	$209M
Income Before Tax	$1.3B	$1.8B	$1.6B	$2.3B	$934M
Tax Expense	$280M	$343M	$356M	$472M	$195M
Net Income	$981M	$1.4B	$1.3B	$1.8B	$738M
Net Margin	8.3%	11.9%	10.4%	13.9%	5.7%
EPS (Diluted)	$4.02	$6.96	$6.50	$9.46	$4.28
EBITDA	$1.6B	$2.0B	$1.9B	$2.6B	$1.3B
Shares Outstanding	205M	202M	198M	188M	173M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$3.2B	$3.2B	$3.1B	$3.3B	$3.4B	$3.2B	$3.4B	$3.3B
Cost of Revenue	$96M	$2.1B	$2.2B	$2.3B	$2.6B	$1.9B	$2.0B	$2.0B
Gross Profit	$3.1B	$1.1B	$910M	$1.1B	$738M	$1.3B	$1.4B	$1.3B
Gross Margin	97.0%	32.9%	29.6%	31.9%	22.0%	41.6%	40.3%	39.2%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$294M	$270M	$310M	$292M	$292M	$0	$1.1B	$0
Operating Expenses	$2.2B	$608M	$667M	$652M	$684M	$1.1B	$1.0B	$960M
Operating Income	$886M	$446M	$244M	$417M	$54M	$218M	$303M	$330M
Operating Margin	27.7%	13.9%	7.9%	12.5%	1.6%	6.7%	9.0%	10.0%
Interest Expense	$49M	$52M	$52M	$52M	$52M	$53M	$53M	$53M
Income Before Tax	$815M	$446M	$244M	$417M	$54M	$218M	$303M	$330M
Tax Expense	$169M	$97M	$54M	$81M	$15M	$44M	$71M	$73M
Net Income	$646M	$349M	$189M	$336M	$40M	$174M	$232M	$257M
Net Margin	20.2%	10.9%	6.1%	10.0%	1.2%	5.4%	6.9%	7.8%
EPS (Diluted)	$3.46	$1.92	$1.06	$1.92	$0.23	$1.04	$1.41	$1.61
EBITDA	$894M	$524M	$326M	$499M	$138M	$302M	$388M	$433M
Shares Outstanding	187M	182M	179M	174M	171M	168M	164M	160M

UNM NYSE