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Unum UNM Group Disability — Current discount rate

Other product segments

Long-term Care
5.7%+3.6%
Voluntary Benefits
5.7%+3.6%
Other Insurance Product Line
5.3%+1.9%
Individual Disability
5.2%+2.0%

Similar metrics at other companies

Reinsurance Group of America logo
RGAInsurance, Other — Liability for Future Policy Benefit, Current Weighted-Average Discount Rate
21.4%+2.6pp
Globe Life logo
GLOther — Current discount rate
5.6%+0.1pp
MetLife logo
METGroup Long-Term Disability — Short-Duration Contract, Discounted Liability, Discount Rate
8%0.0pp
Globe Life logo
GLDirect to Consumer — Current discount rate
10.9%+0.4pp
Principal Financial Group logo
PFGIndividual Disability — Liability For Future Policy Benefit Current Weighted Average Discount Rate
5.7%+0.1pp
Globe Life logo
GLUnited American — Current discount rate
5.3%+0.2pp

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:LiabilityForFuturePolicyBenefitCurrentWeightedAverageDiscountRate.

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 group disability — current discount rate?
Unum (UNM) reported group disability — current discount rate of 4.7% in Q1 2026.
How has Unum's group disability — current discount rate changed year-over-year?
Unum's group disability — current discount rate decreased by 0.0% year-over-year, from 4.7% to 4.7%.
What is the long-term trend for Unum's group disability — current discount rate?
Over 3 years (2022 to 2025), Unum's group disability — current discount rate has grown at a 1.9% compound annual growth rate (CAGR), from 17.1% to 18.1%.
What does group disability — current discount rate mean?
The interest rate used to calculate the present value of future insurance claims.
How do you interpret group disability — current discount rate?
Higher rates reduce the present value of liabilities, potentially improving equity, while lower rates increase the liability burden.
How does group disability — current discount rate compare across companies?
Commonly reported by insurers under GAAP LDTI requirements.