CHATTANOOGA, Tenn.--(BUSINESS WIRE)--Unum Group's (NYSE: UNM) President & CEO, Rick McKenney, along with EVP and CFO, Steve Zabel, will represent the company at the UBS Financial Services Conference. ABOUT UNUM Unum Group (NYSE: UNM), a leading international provider of workplace benefits and services, has been helping workers and their families thrive for more than 175 years. Through its Unum and Colonial Life brands, the company offers disability, life, accident, critical illness, dental, and vision insur ...

Unum Group (NYSE:UNM) is included among the 14 Best Mid Cap Dividend Aristocrat Stocks to Buy Now. Barclays Boosts UNM Price Target, Sees Life Insurers Supported by Consolidation On January 8, Barclays raised its price target on Unum Group (NYSE:UNM) to $96 from $94 and maintained an Overweight rating. The firm said it remains “cautiously optimistic” on life insurers as the industry heads into 2026. Barclays pointed to strong capital positions, solid cash flow generation, and continued consolidation as p ...

CHATTANOOGA, Tenn.--(BUSINESS WIRE)--Unum Group (NYSE: UNM) will release its fourth quarter 2025 results on February 5, 2026, at approximately 4:15 p.m. ET. The earnings release and financial supplement will be available in the investors section of the company's website, which can be directly accessed at https://investors.unum.com. Members of Unum Group's senior management will host a conference call on February 6, 2026, at 8:00 a.m. ET to discuss fourth quarter operations results and 2026 outl. ...

Core Insights - Unum Group (UNM) shares are trading at a discount compared to the Zacks Accident and Health Insurance industry, with a forward price-to-book value of 1.2X, lower than the industry average of 1.75X, the Finance sector's 4.28X, and the Zacks S&P 500 Composite's 8.49X [1] - The company has a market capitalization of $13.13 billion and an average trading volume of 1.3 million shares over the last three months [1] Price Performance - Unum Group shares have increased by 4.8% over the past year, while the industry has grown by 6.3% [3] - The stock closed at $77.12, near its 52-week high of $84.48, indicating strong investor confidence and upward momentum as it trades above the 50-day and 200-day simple moving averages of $75.95 and $77.10, respectively [4] Growth Projections - The Zacks Consensus Estimate for Unum Group's 2025 revenues is $13.19 billion, reflecting a year-over-year improvement of 2.3% [5] - The company anticipates premium growth of 3-6% in 2025, with an operating return on equity (ROE) of 21-23% and earnings per share (EPS) of approximately $8.50 [8][13] Analyst Sentiment - The average price target from 15 analysts for UNM is $93.93 per share, suggesting a potential upside of 22.7% from the last closing price [10] - However, three of the seven analysts have lowered their estimates for 2025, and the Zacks Consensus Estimate for 2025 earnings has decreased by 0.7% over the past 30 days [12] Operational Strength - Unum Group is expected to benefit from strong sales trends, particularly in its Unum U.S. and Colonial Life segments, with a healthy pipeline for group sales and expectations of 5-10% growth for 2025 [14] - The Colonial Life segment has seen rising operating income due to improving premium income and favorable risk results, with management focusing on a mix of higher growth and stable margin businesses [15] Dividend and Capital Return - Unum Group has a strong history of enhancing shareholder value, with a 10% dividend increase effective in Q2 2025, marking the 17th dividend hike in the last 16 years, and a dividend yield of 2.12% [17] - The company plans to repurchase shares within a range of $500 million to $1 billion and return approximately $300 million to shareholders through dividends, aiming for a total capital return of about $1.3 billion in 2025 [18] Conclusion - Favorable sales trends, strong persistency, an improving rate environment, and effective capital deployment are expected to support Unum Group's long-term growth [19]

Core Insights - Unum Group (NYSE:UNM) is recognized as one of the best life insurance stocks to invest in currently [1] Group and Individual Income Protection - Unum Group provides group and individual income protection insurance solutions across the United States, the United Kingdom, Poland, and other countries [5] Shareholder Returns and Financial Performance - The company plans to return approximately $1.3 billion to shareholders in 2025, supported by strong premiums, a nearly 20% return on equity (ROE), and over $2 billion in holding-company liquidity [4] - Management reported reserve actions totaling $478.5 million pretax, a 4% adjusted premium growth, and robust contributions from Unum US, Colonial Life, and International [4] - The company aims to finish 2025 with a risk-based capital (RBC) ratio above 425% and premium growth similar to the previous year [4] Share Repurchase Program - On December 4, 2025, Unum Group announced a new $1 billion share repurchase program, effective January 1, 2026, with buybacks transitioning from the current program upon its expiration [2] - The repurchases may occur through private agreements, open-market transactions, or predetermined trading strategies, depending on market conditions [2] Debt Issuance - On November 14, 2025, Unum Group completed a $300 million senior notes offering due in 2035 with a 5.250% annual coupon, using net proceeds to repay $275 million in senior notes maturing on November 5, 2025 [3] - The issuance is intended to enhance liquidity and provide balance-sheet flexibility for long-term capital needs [3]

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Core Viewpoint - Unum Group has announced a new share repurchase program, allowing the company to buy back up to $1 billion of its common stock starting January 1, 2026 [1] Summary by Relevant Sections - **Share Repurchase Program** - The board of directors has approved a new program for repurchasing shares [1] - The new program will authorize repurchases of up to $1 billion [1] - The current share repurchase program will remain effective until December 31, 2025, after which the new program will take effect [1]

Core Viewpoint - Unum Group's recent earnings report showed a mixed performance with a decline in operating net income and rising expenses, leading to concerns about future performance as shares have underperformed the S&P 500 [1][2]. Financial Performance - Unum Group reported Q3 2025 operating net income of $2.09 per share, missing the Zacks Consensus Estimate by 2.7% and reflecting a 1.8% year-over-year decrease [2]. - Total operating revenues reached $3.4 billion, a 5% increase year-over-year, driven by higher premium income and other income, beating the Zacks Consensus Estimate by 2.5% [3]. - Premium income increased by 2.2% year-over-year to $2.7 billion, aligning with estimates [3]. Expense Analysis - Total benefits and expenses surged by 38.3% year-over-year to $3.3 billion, primarily due to higher policy benefits and other expenses, exceeding the estimate of $2.8 billion [3]. Segment Performance - Unum U.S. reported premium income of $1.7 billion, up 1.9% year-over-year, but adjusted operating income fell by 7.8% to $334.9 million, missing estimates [4]. - Unum International's premium income rose 14% year-over-year to $281.1 million, with adjusted operating income down 3.7% [5]. - The Unum U.K. line saw premium income increase by 7.6% to £171 million, but adjusted operating income decreased by 10.8% [6]. Benefit Ratio and Sales - The benefit ratio, excluding reserve assumption updates, deteriorated by 430 basis points to 73.8%, mainly due to unfavorable experiences in group long-term disability [7]. - Sales in the Unum U.K. increased by 27.3% to £29.4 million, while Colonial Life's premium income rose by 3.3% to $456.5 million [8][9]. Capital Management - As of September 30, 2025, Unum Group's risk-based capital ratio was approximately 455%, with holding company liquidity at $2 billion and book value per share growing by 8.7% year-over-year to $64.56 [13]. Market Outlook - Following the earnings release, there has been a downward trend in estimates for Unum, indicating a potential shift in market sentiment [14][16]. - Unum currently holds a Zacks Rank 3 (Hold), suggesting an expectation of in-line returns in the coming months [16].

Industry Overview - The Zacks Accident and Health Insurance industry is projected to benefit from increased underwriting exposure, driven by prudent underwriting standards among key players like Aflac, Unum Group, Globe Life, and Trupanion [1] - The industry is expected to grow from approximately $300 billion in 2024 to about $420 billion by 2033, reflecting a compound annual growth rate (CAGR) of 3.8% [3] Current Trends - Pricing pressure is anticipated to continue due to inflation, rising medical costs, and demographic changes, with healthcare spending expected to increase by 5.4% annually through 2028 [4] - Claims frequency is improving due to better safety measures and working conditions, which is expected to enhance the industry's performance [5] - The adoption of technology, including AI and data analytics, is accelerating, potentially reducing workers' compensation claim expenses by about 45% [6] Financial Performance - The Accident and Health Insurance industry has underperformed compared to the Finance sector and the S&P 500, with a year-to-date gain of 5.1% versus 14.2% and 18.2% respectively [9] - The industry is currently trading at a trailing 12-month price-to-book (P/B) ratio of 1.72X, significantly lower than the Zacks S&P 500 composite's 8.47X and the sector's 4.18X [11] Company Highlights - **Aflac**: Focuses on voluntary supplemental health and life insurance, with a projected long-term earnings growth rate of 4.6% and a trailing four-quarter earnings surprise of 9.38% [15][16] - **Unum Group**: Expected premium growth of 3-6% for 2025, with a long-term earnings growth rate of 6%, outperforming the industry average [19][21] - **Globe Life**: Positive revenue trends driven by premium growth in life and health insurance segments, with a projected 3.1% year-over-year increase in earnings for 2026 [23][25] - **Trupanion**: Positioned for growth in the pet insurance market, with a consensus estimate suggesting a 9.4% increase in earnings for 2026 and a trailing four-quarter earnings surprise of 235.42% [27][28]

Group 1 - The article reflects on the past performance and transformation of Unum (UNM), suggesting that the author may have been overly optimistic as a major investor in the company [1] - The author has over 10 years of experience in generating value ideas in European and North American markets, indicating a strong background in investment analysis [1] - The author contributes to various investment groups, covering a wide range of markets including Scandinavia, Germany, France, UK, Italy, Spain, Portugal, and Eastern Europe, focusing on reasonably valued stock ideas [1] Group 2 - The article emphasizes the importance of conducting due diligence and research before making any investment decisions, highlighting the risks associated with short-term trading and options trading [2] - It is noted that the author owns European/Scandinavian tickers and Canadian tickers of the companies discussed, which may influence the perspective presented in the article [2] - The article mentions that investing in European/Non-US stocks carries specific withholding tax risks, advising investors to consult tax professionals for guidance [2]