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Key Takeaways UNM Q4 EPS and revenues miss estimates on lower operating income down and soft results across segments.UNM premiums increased 2% year over year, but benefits and expenses jumped 8%, pressuring quarterly results.UNM saw weaker segment income, yet expects 2026 premium growth of 4 to 7% with higher adjusted EPS.Unum Group’s (UNM) fourth-quarter 2025 operating net income of $1.92 per share missed the Zacks Consensus Estimate by 9%. The bottom line decreased 5.4% year over year.The quarterly result ...

Unum (NYSE:UNM) Q4 2025 Earnings call February 06, 2026 08:00 AM ET Company ParticipantsChris Pyne - EVP of Group BenefitsJack Matten - VP of Equity ResearchJohn Barnidge - Managing DirectorJosh Shanker - Managing DirectorMark Till - Head of International BusinessMatt Royal - Head of Investor RelationsRick McKenney - President and CEOSteve Zabel - CFOTim Arnold - Head of Colonial Life and Voluntary Benefits LinesTom Gallagher - Senior Managing DirectorWes Carmichael - Executive Director of U.S. Life Insuran ...

Unum (NYSE:UNM) Q4 2025 Earnings call February 06, 2026 08:00 AM ET Company ParticipantsChris Pyne - EVP, Group BenefitsJack Matten - VP of Equity ResearchJohn Barnidge - Managing DirectorJosh Shanker - Managing DirectorMark Till - CEO, Unum InternationalMatt Royal - Head of Investor RelationsRick McKenney - President and CEOSteve Zabel - CFOTim Arnold - EVP, Voluntary Benefits and President, Colonial LifeTom Gallagher - Senior Managing DirectorWes Carmichael - Executive Director of U.S. Life InsuranceConfe ...

Unum (NYSE:UNM) Q4 2025 Earnings call February 06, 2026 08:00 AM ET Speaker8Hello, and welcome to the Unum Group Fourth Quarter 2025 Results and 2026 Outlook. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question and answer session. If you would like to ask a question during this time, simply press Star followed by the number one on your telephone keypad. If you would like to withdraw your question, press Star one again, and please limit to ...

Analyst’s Disclosure: I/we have a beneficial long position in the shares of SCRYY either through stock ownership, options, or other derivatives. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article. While this article may sound like financial advice, please observe that the author is not a CFA or in any way licensed to give financial advi ...

Unum Group (NYSE:UNM) reported an EPS of $1.92, missing the estimated $2.11, indicating a negative EPS surprise of 9.07%.The company's revenue was approximately $3.24 billion, slightly below the estimated $3.29 billion, marking a modest year-over-year increase.Unum's financial ratios such as a P/E ratio of 14.11 and a current ratio of 2.33 highlight its market valuation and liquidity position.Unum Group (NYSE:UNM) is a prominent player in the insurance industry, specifically within the Zacks Insurance - Acc ...

Core Viewpoint - Unum Group (UNM) shares have shown mixed performance over the past year, with a slight decline in trading value due to concerns regarding reserve adequacy [1] Group 1: Company Performance - Unum Group's stock has faced pressure from concerns about the adequacy of its reserves [1] - The company undertook reinsurance transactions last year that significantly reduced its exposure [1] Group 2: Analyst Insights - The article reflects a contrarian investment approach based on macro views and stock-specific turnaround stories to achieve outsized returns with a favorable risk/reward profile [1]

Shares of Unum Group ( UNM ) have been a mixed performer over the past year, trading down slightly. Concerns about reserve adequacy have weighed on shares, but last year, Unum undertook reinsurance transactions that significantly reduced its exposureOver fifteen years of experience making contrarian bets based on my macro view and stock-specific turnaround stories to garner outsized returns with a favorable risk/reward profile. If you want me to cover a specific stock or have a question for an article, just ...

Financial Performance - Premium income for Q4 2025 was $2,692.1 million, a slight increase from $2,631.1 million in Q4 2024, while total revenue reached $3,244.1 million compared to $3,236.6 million in the previous year[5]. - Net income for the year ended December 31, 2025, was $738.5 million, a significant decrease from $1,779.1 million in 2024, resulting in a net income per share of $4.28 compared to $9.49[5]. - Adjusted operating revenue for the year was $13,173.1 million, up from $12,921.9 million in 2024, indicating a growth of approximately 1.95%[5]. - Total sales for Unum Group increased by 2.3% to $639.9 million in Q4 2025 compared to $625.4 million in Q4 2024[12]. - Total operating revenue for Q4 2025 was $3,254.2 million, a slight increase of 0.2% compared to Q4 2024, and for the year it was $13,182.1 million, up 2.0%[28]. - The net income for Q4 2025 was $174.1 million, compared to $39.7 million in Q4 2024, with net income per common share increasing to $1.04 from $0.23 year-over-year[33]. - The total after-tax adjusted operating income for the year ended December 31, 2025, was $1,406.0 million, compared to $1,588.2 million in 2024, representing a decline of 11.4%[78]. Equity and Assets - Total stockholders' equity increased to $11,119.1 million as of December 31, 2025, compared to $10,961.1 million in 2024, reflecting a growth of 1.44%[6]. - The company’s total assets reached $63,519.4 million as of December 31, 2025, compared to $61,959.3 million in 2024, showing an increase of approximately 2.52%[5]. - Allocated stockholders' equity was reported at $12,471.1 million, compared to $10,961.1 million, reflecting a growth of approximately 14%[22][25]. - Total assets increased to $63,519.4 million, up from $61,959.3 million year-over-year, reflecting a growth of approximately 2.5%[22][25]. - Total liabilities rose to $52,400.3 million, compared to $50,998.2 million, indicating an increase of about 2.8%[22][25]. - The total adjusted capital for the company was $16,317.6 million in 2025, slightly down from $16,610.8 million in 2024[82]. Investment Performance - The company reported a net investment loss of $106.6 million for the year, compared to a loss of $34.6 million in 2024, highlighting challenges in investment performance[5]. - Unum US net investment income decreased by 5.0% to $148.3 million for Q4 2025, and by 4.4% to $604.2 million for the year[28]. - Unum International's net investment income increased by 13.0% to $145.6 million for the year, reflecting strong performance in the segment[28]. - The company reported a net unrealized loss on securities and derivatives of $2,281.9 million, an increase from $3,025.9 million, indicating a decrease in losses[22][25]. - Net investment income for the year ended December 31, 2025, was $81.6 million, down from $88.3 million in 2024[39]. - Net investment losses totaled $83.5 million for 2025, impacting the overall financial results[87]. Segment Performance - Group Long-term Disability sales decreased by 17.7% to $127.2 million in Q4 2025 from $154.5 million in Q4 2024[12]. - Group Short-term Disability sales increased by 45.3% to $177.9 million in Q4 2025 compared to $122.4 million in Q4 2024[12]. - Colonial Life segment total sales increased by 10.0% to $203.9 million in Q4 2025 compared to $185.4 million in Q4 2024[15]. - Life insurance sales in Colonial Life segment rose by 22.1% to $54.7 million in Q4 2025 from $44.8 million in Q4 2024[15]. - The Closed Block segment reported a 15.9% decline in total operating revenue for Q4 2025, totaling $445.6 million, and a 9.1% decline for the year to $1,892.0 million[28]. - The Voluntary Benefits segment achieved premium income of $227.2 million for Q4 2025, a 6.5% increase from $214.1 million in Q4 2024[41]. Operational Efficiency - The adjusted operating return on equity for Unum US was 22.6% for the year ended December 31, 2025, down from 25.2% in 2024[70]. - Adjusted operating income for Unum US was $289.7 million in Q4 2025, down from $333.2 million in Q4 2024, with an adjusted operating income ratio of 16.6% compared to 19.4% in the previous year[35]. - The benefit ratio for Unum US was 61.1% in Q4 2025, slightly higher than 59.5% in Q4 2024, indicating an increase in policy benefits relative to premium income[35]. - The benefit ratio for Group Life was 64.8% for Q4 2025, a slight improvement from 66.7% in Q4 2024[39]. - The Adjusted Operating Income Ratio for the year ended December 31, 2025, was 15.5%, down from 17.5% in 2024[41]. Future Outlook - The company plans to continue focusing on market expansion and new product development to drive future growth[27]. - The company plans to exclude the results of the Closed Block segment from future after-tax adjusted operating income calculations starting in 2026[86]. - A reinsurance agreement with Fortitude Re, effective January 2025, reinsures approximately 21% of total Closed Block long-term care future policy benefits and 15% of Unum US individual disability future policy benefits[59].