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Unum UNM Colonial Life — Unearned Premiums

Other segment segments

Unum International
$201.5M+21.8%
Closed Block
$115.7M-4.7%
Unum US
$48.7M-5.8%

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$5.2B+7.0%
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$4.55B-7.1%

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:SupplementaryInsuranceInformationUnearnedPremiums.

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

| Unum US | $1,208.7 | $8,493.4 | $665.7 | $48.7 | | Unum International | 72.1 | 2,404.3 | — | 201.5 | | Colonial Life | 1,639.5 | 2,032.0 | 858.9 | 46.9 | | Closed Block | — | 25,087.3 | 4,111.8 | 115.7 | | Total | $2,920.3 | $38,017.0 | $5,636.4 | $412.8 | | December 31, 2024 | | | | | | Unum US | $1,260.6 | $8,669.7 | $675.7 | $51.7 | | Unum International | 53.0 | 2,163.0 | — | 165.5 | | Colonial Life | 1,529.2 | 1,904.2 | 862.5 | 45.4 | | Closed Block | — | 24,069.5 | 4,095.5 | 121.4 |

ITEM 15. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES

FAQ

What is Unum's colonial life — unearned premiums?
Unum (UNM) reported colonial life — unearned premiums of $46.9M in Q4 2025.
How has Unum's colonial life — unearned premiums changed year-over-year?
Unum's colonial life — unearned premiums increased by 3.3% year-over-year, from $45.4M to $46.9M.
What does colonial life — unearned premiums mean?
Represents the portion of premiums collected that relates to the unexpired period of an insurance policy. As the policy period progresses, this liability is recognized as earned revenue over time. It serves as a measure of the company's future service obligations for policies already paid for by customers.

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