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Unum UNM Accident, Sickness, and Disability — Direct Premium Income

Other product segments

Life Insurance
$3.22B+6.8%

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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:DirectPremiumsEarned.

The source filing: Unum’s 10-K, filed February 17, 2026.

Filed
Feb 17, 2026, 4:30 PM EST
Fiscal year
FY2025
Accession
0000005513-26-000008

| Life Insurance in Force | $1,296,061.4 | $28,606.8 | $992.3 | $1,268,446.9 | 0.1% | | Premium Income: | | | | | | | Life Insurance | $3,216.8 | $147.5 | $5.3 | $3,074.6 | 0.2% | | Accident, Health, and Other Insurance | 7,847.2 | 140.0 | 49.2 | 7,756.4 | 0.6% | | Total | $11,064.0 | $287.5 | $54.5 | $10,831.0 | 0.5% | | Year Ended December 31, 2024 | | | | | | | Life Insurance in Force | $1,162,098.7 | $24,373.3 | $1,009.8 | $1,138,735.2 | 0.1% | | Premium Income: | | | | | | | Life Insurance | $3,011.1 | $159.0 | $5.1 | $2,857.2 | 0.2% | | Accident, Health, and Other Insurance | 7,721.0 | 145.5 | 64.7 | 7,640.2 | 0.8% |

ITEM 15. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES

FAQ

What is Unum's accident, sickness, and disability — direct premium income?
Unum (UNM) reported accident, sickness, and disability — direct premium income of $1.96B in Q4 2025.
How has Unum's accident, sickness, and disability — direct premium income changed year-over-year?
Unum's accident, sickness, and disability — direct premium income increased by 1.6% year-over-year, from $1.93B to $1.96B.
What is the long-term trend for Unum's accident, sickness, and disability — direct premium income?
Over 4 years (2021 to 2025), Unum's accident, sickness, and disability — direct premium income has grown at a 2.2% compound annual growth rate (CAGR), from $7.19B to $7.85B.
What does accident, sickness, and disability — direct premium income mean?
This metric measures the gross premiums written by the insurer directly from policyholders before any reinsurance cessions or assumptions. It serves as a primary indicator of the segment's top-line sales volume and customer acquisition success. By isolating direct premiums, analysts can assess the underlying demand for the company's insurance products independent of risk-sharing strategies.

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