Unum Group Gears Up to Report Q3 Earnings: Here's What to Expect

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]