UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q (Mark One) ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2025 ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number 001-11294 Unum Group (Exact name of registrant as specified in its charter) Delaware 62-1598430 (State or other jurisdiction of incorpo ...

Unum Group (UNM) Q2 2025 Earnings Call July 30, 2025 08:00 AM ET Company ParticipantsMatt Royal - SVP - Investor RelationsRichard Mckenney - President, CEO & DirectorSteven Zabel - EVP & CFOChristopher Pyne - EVP of Group BenefitsElyse Greenspan - Managing DirectorRyan Krueger - Managing DirectorTimothy Arnold - Executive VP of Voluntary Benefits & President of Colonial LifeMark Till - EVP & CEO - Unum InternationalThomas Gallagher - Senior Managing DirectorJack Matten - Vice President Equity ResearchConfer ...

Unum Group (UNM) Q2 2025 Earnings Call July 30, 2025 08:00 AM ET Speaker0Thank you for standing by. My name is Jeannie, and I will be your conference operator today. At this time, I would like to welcome everyone to the Unum Group Second Quarter twenty twenty five Earnings Call. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question and answer session.Thank you. I would now like to turn the call over to Matt Royal, Investor Relations. Please ...

Unum Group Statistical Supplement Second Quarter 2025 TABLE OF CONTENTS (in millions of dollars, except share data and where noted) Interim Results are Unaudited | | Page | | --- | --- | | Financial Highlights | 1 | | Capital Metrics | 2 | | Ratings | 3 | | Consolidated Statements of Income | 4 | | Sales Data by Segment | 5 | | Consolidated Balance Sheets | 6 | | Financial Results by Segment | 7 | | Quarterly Historical Financial Results by Segment | 8 | | Financial Results and Selected Statistics by Segmen ...

Unum (UNM) came out with quarterly earnings of $2.07 per share, missing the Zacks Consensus Estimate of $2.23 per share. This compares to earnings of $2.16 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of -7.17%. A quarter ago, it was expected that this insurance company would post earnings of $2.19 per share when it actually produced earnings of $2.04, delivering a surprise of -6.85%.Over the last four quarters, the company ha ...

Unum Group Statistical Supplement Second Quarter 2025 TABLE OF CONTENTS (in millions of dollars, except share data and where noted) Interim Results are Unaudited | | Page | | --- | --- | | Financial Highlights | 1 | | Capital Metrics | 2 | | Ratings | 3 | | Consolidated Statements of Income | 4 | | Sales Data by Segment | 5 | | Consolidated Balance Sheets | 6 | | Financial Results by Segment | 7 | | Quarterly Historical Financial Results by Segment | 8 | | Financial Results and Selected Statistics by Segmen ...

Key Takeaways Premium income is likely to be driven by favorable persistency and better sales across segments.Net investment income is expected to be aided by higher invested assets and miscellaneous investment income.Unum US performance is expected to benefit from improved life, disability lines and favorable recoveries.Unum Group (UNM) is slated to report second-quarter 2025 earnings on July 29, after market close. The insurer’s earnings beat estimates in two of the last four reported quarters and missed ...

Wall Street expects a year-over-year increase in earnings on higher revenues when Unum (UNM) reports results for the quarter ended June 2025. While this widely-known consensus outlook is important in gauging the company's earnings picture, a powerful factor that could impact its near-term stock price is how the actual results compare to these estimates.The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be released on July 29. On the other ...

Core Insights - Unum Group (UNM) shares have increased by 9.6% year to date, outperforming the Finance sector and the Zacks S&P 500 Composite, which grew by 8.4% and 5.9% respectively [1] - The company's market capitalization stands at $14.07 billion, with an average trading volume of 1.25 million shares over the last three months [1] Valuation Metrics - Unum Group's shares are trading at a forward price-to-book value of 1.25X, which is lower than the industry average of 1.83X, the Finance sector's 4.26X, and the Zacks S&P 500 Composite's 8.42X [3] - The company has a Value Score of A, indicating it is considered affordable compared to its peers [3] Growth Projections - The Zacks Consensus Estimate for Unum Group's 2025 revenues is $13.2 billion, reflecting a year-over-year increase of 2.8% [8] - Expected earnings per share for 2026 indicate a growth of 9.1%, while revenues are projected to increase by 3.5% from 2025 estimates [8] - Long-term earnings growth is anticipated at 7.2%, surpassing the industry average of 6% [8] Analyst Sentiment - The average price target for UNM shares is $94.43, suggesting a potential upside of 17.4% from the last closing price [9] - However, analysts have recently lowered their earnings estimates for 2025 and 2026 by 0.3% and 0.1% respectively over the past 60 days [12] Dividend Performance - Unum Group raised its dividend by 10% in May 2025, marking the 16th increase in 15 years, with a projected payout of $300–$330 million and a payout ratio of approximately 19.4% [12] - The dividend yield stands at 2.1%, slightly above the industry average, making it attractive for income-focused investors [12] Operational Performance - Premium income rose by 3.5% year over year to $2.7 billion in Q1 2025, driven by growth in core segments and the recapture of a previously ceded individual disability block [15] - The company projects sales growth of 5–10%, premium growth of 4%-7%, and a 6–10% increase in after-tax adjusted operating EPS for 2025 [15] - Unum U.S. and Colonial Life segments have shown consistent growth in operating income, with Colonial Life's adjusted operating income up 1.8% to $115.7 million in Q1 2025 [16] Financial Stability - Unum Group maintains a solid capital position, enhancing its financial flexibility and supporting prudent capital outlay [17] - The company has faced challenges such as rising expenses, declining premiums in the Closed Block segment, and muted growth in investment income due to past low-rate investments [18]

Core Viewpoint - Unum Group's shares have increased by approximately 60% over the past year due to strong performance in its growth businesses and reduced concerns regarding its legacy insurance policies [1] Group 1: Company Performance - Unum Group closed a significant transaction on July 1st, indicating active management and strategic positioning [1] - The company's growth businesses are performing well, contributing to the overall positive stock performance [1] Group 2: Market Sentiment - Fears surrounding Unum Group's legacy, toxic insurance policies have lessened, which has positively impacted investor sentiment [1]