Unum UNM Effect of changes in discount rate assumptions

Effect of changes in discount rate assumptions at other companies

Corebridge FinancialCRBG

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CNA FinancialCNA

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Segments

By segment

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Colonial Life-$182.4M+8.2%

Closed Block$124.3M-16.2%

Unum US-$89.4M+4.4%

Unum International-$41.5M-10.7%

By product

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Long-term Care$124.3M-16.2%

Voluntary Benefits-$78.1M+0.6%

Individual Disability-$11.3M+24.2%

Other Insurance Product Line$0—

Other financials

Income statement

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Revenue$3.4B+8.5%

Operating income$501.8M+2.4%

Net income$232.0M+22.7%

EPS (diluted)$1.41+33.0%

Balance sheet

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Cash & equivalents$192.6M-19.0%

Total debt$3.8B+0.5%

Total equity$10.9B-2.9%

Total assets$62.7B+0.4%

Cash flow

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Operating cash flow$340.8M-3.6%

CapEx$39.6M+10.6%

Free cash flow$301.2M-5.2%

Valuation

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Market cap$14.38B-17.0%

Enterprise value$17.95B-13.3%

P/E18.4×+7.4×

P/S1.1×-0.3×

Profitability

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Net margin5.9%-6.5pp

FCF margin11.2%+1.4pp

Returns & leverage

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Return on equity7.1%-7.6pp

Debt / equity0.3×0.0×