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Unum UNM Closed Block — Reserve Assumption Updates

Similar metrics at other companies

Prudential Financial logo
PRUClosed Block division — Liability for Future Policy Benefit, Expected Future Policy Benefit, Cumulative Increase (Decrease) from Cash Flow Change
$0—
Prudential Financial logo
PRUInternational Businesses — Effect of assumption update
-$1.01B-97.5%
Prudential Financial logo
PRUTotal — Effect of assumption update and other refinements
$65.75M+199%
Prudential Financial logo
PRUIndividual Fixed — Effect of assumption update and other refinements
$37.75M—
Prudential Financial logo
PRUTotal — Effect of assumption update
-$1.07B+21.8%
Prudential Financial logo
PRUVariable Universal Life — Effect of assumption updates
-$39M-125%

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 unm:ReserveAssumptionUpdatesBeforeTax.

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 closed block — reserve assumption updates?
Unum (UNM) reported closed block — reserve assumption updates of -$160.13M in Q4 2025.
How has Unum's closed block — reserve assumption updates changed year-over-year?
Unum's closed block — reserve assumption updates decreased by 465.4% year-over-year, from $43.83M to -$160.13M.
What is the long-term trend for Unum's closed block — reserve assumption updates?
Over 2 years (2023 to 2025), Unum's closed block — reserve assumption updates has grown at a 31.8% compound annual growth rate (CAGR), from -$368.8M to -$640.5M.
What does closed block — reserve assumption updates mean?
The financial impact of changing the actuarial assumptions used to calculate future insurance liabilities.
How do you interpret closed block — reserve assumption updates?
A positive value (gain) indicates favorable assumption changes, while a negative value (loss) indicates a need to strengthen reserves due to adverse experience.
How does closed block — reserve assumption updates compare across companies?
Comparable to 'Reserve Strengthening' or 'Actuarial Assumption Changes' at other life and disability insurers.