Unum Group (BSP:U1NM34) Debt-to-EBITDA : 1.70 (As of Dec. 2023)

View and export this data going back to 2020. Start your Free Trial

What is Unum Group Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

Unum Group's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was R$0 Mil. Unum Group's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was R$16,808 Mil. Unum Group's annualized EBITDA for the quarter that ended in Dec. 2023 was R$9,913 Mil. Unum Group's annualized Debt-to-EBITDA for the quarter that ended in Dec. 2023 was 1.70.

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

The historical rank and industry rank for Unum Group's Debt-to-EBITDA or its related term are showing as below:

BSP:U1NM34' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.67 Med: 2.04 Max: 3.49
Current: 1.77

During the past 13 years, the highest Debt-to-EBITDA Ratio of Unum Group was 3.49. The lowest was 1.67. And the median was 2.04.

BSP:U1NM34's Debt-to-EBITDA is ranked worse than
56.01% of 291 companies
in the Insurance industry
Industry Median: 1.49 vs BSP:U1NM34: 1.77

Unum Group Debt-to-EBITDA Historical Data

The historical data trend for Unum Group's Debt-to-EBITDA can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Unum Group Debt-to-EBITDA Chart

Unum Group Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Debt-to-EBITDA

Get a 7-Day Free Trial

2.23

2.64

2.20

1.67

1.77

Unum Group Quarterly Data
	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23
Debt-to-EBITDA	Get a 7-Day Free Trial															1.92	1.63	1.50	2.54	1.70

Competitive Comparison of Unum Group's Debt-to-EBITDA

For the Insurance - Life subindustry, Unum Group's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Unum Group's Debt-to-EBITDA Distribution in the Insurance Industry

For the Insurance industry and Financial Services sector, Unum Group's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where Unum Group's Debt-to-EBITDA falls into.

Unum Group Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

Unum Group's Debt-to-EBITDA for the fiscal year that ended in Dec. 2023 is calculated as

Debt-to-EBITDA	=	Total Debt			/	EBITDA
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	EBITDA
	=	(0	+	16808.274)	/	9523.741
	=	1.76

Unum Group's annualized Debt-to-EBITDA for the quarter that ended in Dec. 2023 is calculated as

Debt-to-EBITDA	=	Total Debt			/	EBITDA
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	EBITDA
	=	(0	+	16808.274)	/	9913.272
	=	1.70

In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data, the EBITDA data used here is four times the quarterly (Dec. 2023) EBITDA data.

Unum Group (BSP:U1NM34) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.

Be Aware

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.

According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

Unum Group Debt-to-EBITDA Related Terms

Thank you for viewing the detailed overview of Unum Group's Debt-to-EBITDA provided by GuruFocus.com. Please click on the following links to see related term pages.

Unum Group (BSP:U1NM34) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Insurance » Unum Group (BSP:U1NM34) » Definitions » Debt-to-EBITDA

Comparable Companies

Traded in Other Exchanges

UNM:USA UUM:Germany

Address

1 Fountain Square, Chattanooga, TN, USA, 37402

Website

https://www.unum.com

Unum Group is a provider of group and individual income protection insurance products in the United States, the United Kingdom, Poland, and other countries. It is the largest domestic disability insurer, with the majority of premiums generated from employer plans. The company also offers a complementary portfolio of other insurance products, including long-term care insurance, life insurance, and employer- and employee-paid group benefits. It has the following operating business segments: Unum US, Unum International, and Colonial Life. The majority of the revenue is earned from the Unum US segment. The firm markets its products primarily through brokers.

Unum Group (BSP:U1NM34) Headlines

No Headlines