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Core Insights - Unum Group (UNM) is anticipated to show improvements in both revenue and earnings for Q3 2025, with revenue expected at $3.30 billion, reflecting a 2.4% year-over-year growth, and earnings estimated at $2.16 per share, indicating a 1.4% increase from the previous year [1] Financial Performance Expectations - The Zacks Consensus Estimate for premium income is projected at $2.7 billion, suggesting a 2.3% increase from the year-ago quarter [4] - Miscellaneous investment income is estimated at $531.8 million, with a consensus estimate of $532 million, indicating a 0.7% increase from the prior year [5] - Total benefits and expenses are expected to reach $2.8 billion, influenced by higher policy benefits, commissions, and other expenses [9] Segment Performance - Unum U.S. operating revenues are estimated at $2 billion, while Colonial Life's revenues are projected at $485.4 million [7] - Unum International is expected to generate $291 million in operating revenues, benefiting from improved sales and persistency [7] - The performance of Unum U.S. and Colonial Life is likely driven by higher premium income and favorable recoveries in various product lines [6] Earnings Prediction Model - Unum Group currently has an Earnings ESP of -0.26%, indicating that the most accurate estimate of $2.15 is lower than the consensus estimate of $2.16, suggesting a lack of conclusive evidence for an earnings beat [2] - The company holds a Zacks Rank of 3, indicating a "Hold" rating [3]

Core Viewpoint - Unum Group is set to release its third quarter 2025 results on November 3, 2025, followed by a conference call on November 4, 2025, to discuss the results and future guidance [1][2]. Financial Information - The earnings release and financial supplement will be available on the company's investor website [1]. - The anticipated future earnings release dates include: - Fourth Quarter 2025 – February 3 / February 4 at 8 a.m. - First Quarter 2026 – April 28 / April 29 at 8 a.m. - Second Quarter 2026 – July 28 / July 29 at 8 a.m. [5]. Company Overview - Unum Group, a leading international provider of workplace benefits and services, has been operational for over 175 years [6]. - The company reported revenues of $12.9 billion in 2024 and paid out $8.0 billion in benefits [6]. - Unum Group is recognized as one of the World's Most Ethical Companies by Ethisphere® [6].

Core Insights - Unum Group's premiums are benefiting from healthy in-force block growth and higher sales [1] - The company has maintained profitability through conservative pricing and reservation practices, with premium income increasing across its main operating segments [2] - Long-term projections indicate sales growth of 8-12%, premium growth of 4-7%, and adjusted operating earnings per share growth of 8-12% [3] Financial Performance - Unum Group expects improved sales growth in the second half of 2025, with flat sales growth anticipated for the full year [4] - The company projects after-tax adjusted operating earnings per share to be approximately $8.50 in 2025 [4] - Unum Group maintains a strong capital position, with an expected year-end Risk-Based Capital (RBC) ratio of 425% to 450% and holding company liquidity between $2 billion and $2.5 billion [4] Shareholder Value - The board has increased the shareholder dividend by 15%, effective in Q3 2024, marking the 15th dividend hike in the last 14 years [5] - Unum Group plans to complete share repurchases in the range of $500 million to $1 billion by the end of 2025, enhancing its attractiveness for yield-seeking investors [5] Industry Context - Other players in the Accident and Health insurance industry include Aflac, Trupanion, and Globe Life, with varying earnings performance [7][10][11] - Aflac has benefited from strategic growth investments and product enhancements, while Trupanion focuses on the pet insurance market [8][10] - Globe Life is experiencing revenue growth driven by premium increases in its Life and Health Insurance segments [11]

Core Viewpoint - Unum Group (NYSE:UNM) is identified as a strong investment opportunity with a 'Buy' rating and a price target of $92, indicating a potential increase of approximately 21.2% [1] Group 1: Company Overview - Unum Group is a financial protection benefit solutions provider operating in the United States, the United Kingdom, and Poland, founded in 1848 [4] Group 2: Strategic Focus - The company aims for mid-single-digit premium growth, aligning with its business model, and is investing significantly in technology, particularly in HR Connect [2] Group 3: Financial Performance - Unum Group distinguishes itself through strong execution on EPS growth, healthy shareholder returns, and a solid balance sheet, despite a recent earnings miss [3] - The company maintains pricing power and emphasizes workplace benefits while de-risking its legacy long-term care (LTC) business [3]

Core Insights - The article emphasizes a value investing approach with a focus on long-term horizons and an owner's mindset [1] Group 1 - The analyst does not engage in writing sell articles, as they are viewed as short theses, and does not recommend shorting stocks [1] - The analyst has previously worked as an advisory representative at Fidelity and is now conducting independent research and investing [1] Group 2 - The analyst has no current stock, option, or similar derivative positions in the companies mentioned but may initiate a long position in UNM within the next 72 hours [2] - The article reflects the analyst's personal opinions and is not influenced by compensation from any company mentioned [2] Group 3 - Seeking Alpha clarifies that past performance does not guarantee future results and that no specific investment advice is being provided [3] - The views expressed may not represent those of Seeking Alpha as a whole, and the analysts are third-party authors who may not be licensed or certified [3]

Core Viewpoint - Unum Group's shares have increased by 38% over the past year, but recent performance has been mixed, raising concerns about its long-term care unit [1] Group 1: Company Performance - Unum Group's stock has shown strong performance with a 38% gain over the last year [1] - Recent gains have stalled due to mixed performance indicators [1] Group 2: Long-Term Care Concerns - There are ongoing concerns regarding the long-term care unit of Unum Group, which may impact future performance [1]

Core Viewpoint - Unum Group's shares have increased by 38% over the past year, but recent performance has been mixed, raising concerns about its long-term care unit [1] Group 1: Stock Performance - Unum Group's stock has shown strong performance with a 38% gain over the last year [1] Group 2: Concerns and Challenges - There are concerns regarding the long-term care unit of Unum Group, which may be impacting investor sentiment and stock performance [1]

Core Viewpoint - Unum Group is focused on growth and aims to protect more individuals, currently covering nearly 50 million people across the U.S., U.K., and Poland [2][3]. Group 1: Growth Strategy - The company prioritizes growth by enhancing digital connectivity with individual employers and providing support to their employees during times of need [3]. - Unum Group's growth trajectory is built on the foundation of its existing capabilities and market presence [3].

Core Insights - The primary focus of Unum Group is on growth, with a commitment to protecting more individuals, currently serving nearly 50 million people across the U.S., U.K., and Poland [2][3] Group 1: Company Priorities - Unum Group aims to enhance its digital connectivity with individual employers to better serve their employees during times of need [3] - The company is focused on expanding its reach and impact in the market, emphasizing a growth trajectory that builds on existing capabilities [3]