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Unum UNM Colonial Life — Net liability for future policy benefits

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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:LiabilityForFuturePolicyBenefitBeforeReinsuranceBeforeOther.

The official record: Unum’s 10-Q, filed April 29, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Unum's colonial life — net liability for future policy benefits?
Unum (UNM) reported colonial life — net liability for future policy benefits of $1.98B in Q1 2026.
How has Unum's colonial life — net liability for future policy benefits changed year-over-year?
Unum's colonial life — net liability for future policy benefits increased by 3.4% year-over-year, from $1.92B to $1.98B.
What is the long-term trend for Unum's colonial life — net liability for future policy benefits?
Over 3 years (2022 to 2025), Unum's colonial life — net liability for future policy benefits has grown at a 0.3% compound annual growth rate (CAGR), from $7.81B to $7.87B.
What does colonial life — net liability for future policy benefits mean?
The net amount the company expects to pay out for future insurance claims after accounting for future premiums.
How do you interpret colonial life — net liability for future policy benefits?
A significant increase relative to premium growth may indicate rising long-term risk or under-reserved positions.
How does colonial life — net liability for future policy benefits compare across companies?
Standard 'Net Policy Reserves' metric used by life and health insurers.