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Unum UNM Colonial Life — Policyholder Account Balance, Guaranteed Minimum Credit Rating

Discontinued — last reported Q4 '25

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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 us-gaap:PolicyholderAccountBalanceGuaranteedMinimumCreditRating.

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 colonial life — policyholder account balance, guaranteed minimum credit rating?
Unum (UNM) reported colonial life — policyholder account balance, guaranteed minimum credit rating of $0.05 in Q4 2025.
How has Unum's colonial life — policyholder account balance, guaranteed minimum credit rating changed year-over-year?
Unum's colonial life — policyholder account balance, guaranteed minimum credit rating decreased by 0.0% year-over-year, from $0.05 to $0.05.
What is the long-term trend for Unum's colonial life — policyholder account balance, guaranteed minimum credit rating?
Over 3 years (2022 to 2025), Unum's colonial life — policyholder account balance, guaranteed minimum credit rating has grown at a 0.0% compound annual growth rate (CAGR), from $0.2 to $0.2.
What does colonial life — policyholder account balance, guaranteed minimum credit rating mean?
The lowest interest rate the insurance company is contractually obligated to pay on policyholder accounts.
How do you interpret colonial life — policyholder account balance, guaranteed minimum credit rating?
A higher guaranteed rate increases the insurer's long-term liability risk, especially in low-interest-rate environments.
How does colonial life — policyholder account balance, guaranteed minimum credit rating compare across companies?
Commonly disclosed as 'Minimum Crediting Rate' or 'Guaranteed Interest Floor' in insurance product filings.