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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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$94M-61.8%
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PRUIndividual Life — Unearned Premiums
$0
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$43.36M-2.6%
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ACGLOther — Unearned Premiums
$407.71M-7.1%
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MKLOther — Unearned Premiums
$0

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:SupplementaryInsuranceInformationUnearnedPremiums.

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 — 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?
Premiums collected for insurance coverage that has not yet been provided.
How do you interpret colonial life — unearned premiums?
An increase indicates growth in new business or longer policy durations, while a decrease may signal shrinking market share or shorter policy terms.
How does colonial life — unearned premiums compare across companies?
Standard metric across the insurance industry, often labeled as 'Unearned Premium Reserve'.