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Unum UNM Accident, Sickness, and Disability — Reinsurance Ceded

Other product segments

Life Insurance
$147.5M-7.2%

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PRUTotal — Ceded
$124M-17.3%

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×

Where this comes from

Reported directly by Unum in its filing.

Tagged under the XBRL concept us-gaap:CededPremiumsEarned.

The official record: Unum’s 10-K, filed February 17, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Unum's accident, sickness, and disability — reinsurance ceded?
Unum (UNM) reported accident, sickness, and disability — reinsurance ceded of $35M in Q4 2025.
How has Unum's accident, sickness, and disability — reinsurance ceded changed year-over-year?
Unum's accident, sickness, and disability — reinsurance ceded decreased by 3.8% year-over-year, from $36.38M to $35M.
What is the long-term trend for Unum's accident, sickness, and disability — reinsurance ceded?
Over 4 years (2021 to 2025), Unum's accident, sickness, and disability — reinsurance ceded has grown at a -8.8% compound annual growth rate (CAGR), from $202.2M to $140M.
What does accident, sickness, and disability — reinsurance ceded mean?
The amount of premium income paid to other insurers to transfer a portion of the underwriting risk.
How do you interpret accident, sickness, and disability — reinsurance ceded?
A decrease may signal improved risk management or a desire to retain more underwriting profit, while an increase suggests a more conservative risk-transfer approach.
How does accident, sickness, and disability — reinsurance ceded compare across companies?
Standard metric across the insurance industry for evaluating risk-sharing and reinsurance costs.