How do you interpret group disability — effect of change in discount rate assumptions?

A decrease in discount rates typically increases the liability value, while an increase in discount rates decreases the liability value.

Unum UNM Group Disability — Effect of change in discount rate assumptions

Other product segments

Long-term Care

$124.3M-16.2%

Voluntary Benefits

-$78.1M+0.6%

Individual Disability

-$11.3M+24.2%

Other Insurance Product Line

$0—

Similar metrics at other companies

GLOther — Effect of changes in discount rate assumptions

$310.82M-21.5%

AFLDisability — Effect of change in discount rate assumptions

-$96M+11.9%

GLOther — Effect of change from original to current discount rates

$8.79M-36.5%

GLDirect to Consumer — Effect of changes in discount rate assumptions

$283.96M-23.2%

EQHGroup Pension — Effect of changes in discount rate assumptions

$0—

EQHTerm — Effect of changes in discount rate assumptions

-$16M-129%

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:AociLiabilityForFuturePolicyBenefitExpectedNetPremiumBeforeTax.

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 — effect of change in discount rate assumptions?: Unum (UNM) reported group disability — effect of change in discount rate assumptions of $0 in Q1 2026.
What does group disability — effect of change in discount rate assumptions mean?: The change in the value of future insurance obligations caused by shifts in interest rates.
How do you interpret group disability — effect of change in discount rate assumptions?: A decrease in discount rates typically increases the liability value, while an increase in discount rates decreases the liability value.
How does group disability — effect of change in discount rate assumptions compare across companies?: Standard sensitivity analysis for insurance companies under modern accounting standards.