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Unum UNM Unearned premiums

Unearned premiums at other companies

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$10.84B+4.8%
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$29.2M-6.0%

Other financials

Income statement

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Revenue$3.4B+0.3%
Operating income$501.8M+2.4%
Net income$256.9M-23.5%
EPS (diluted)$1.61-16.1%

Balance sheet

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Cash & equivalents$199.2M-83.3%
Total debt$3.8B+0.5%
Total equity$10.8B-4.5%
Total assets$63.5B+1.0%

Cash flow

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Operating cash flow$503.5M+44.7%
CapEx$29.2M+4.7%
Free cash flow$474.3M+48.2%

Valuation

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Market cap$14.1B+17.5%
Enterprise value$17.67B+21.4%
P/E20.1×+12.2×
P/S1.1×+0.1×

Profitability

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Net margin5.3%-6.5pp
FCF margin11.2%+1.4pp

Returns & leverage

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Return on equity6.4%-7.6pp
Debt / equity0.3×0.0×

Where this comes from

Reported directly by Unum in its filing.

Tagged under the XBRL concept us-gaap:UnearnedPremiums.

The source filing: Unum’s 10-Q, filed July 29, 2026.

Filed
Jul 29, 2026, 4:25 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000005513-26-000075
Line itemJune 30 / 2026December 31 / 2025
Liabilities
Future Policy Benefits$37,610.7$38,017.0
Policyholders' Account Balances5,980.55,636.4
Unearned Premiums572.0412.8
Other Policyholders’ Funds1,469.51,479.7
Income Tax Payable101.852.2
Deferred Income Tax37.438.8
Long-term Debt3,763.83,767.6

Item 1. Financial Statements (Unaudited):

FAQ

What is Unum's unearned premiums?
Unum (UNM) reported unearned premiums of $572M in Q2 2026.
How has Unum's unearned premiums changed year-over-year?
Unum's unearned premiums increased by 6.3% year-over-year, from $538.3M to $572M.
What is the long-term trend for Unum's unearned premiums?
Over 5 years (2020 to 2025), Unum's unearned premiums has grown at a 3.4% compound annual growth rate (CAGR), from $349.3M to $412.8M.
What does unearned premiums mean?
Unearned premiums represent the portion of insurance premiums collected in advance that relates to the unexpired period of the policy term. As time passes, the company earns this revenue and the liability is reduced. It is a standard measure of the company's short-term obligation to provide coverage for premiums already received.

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