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Unum UNM Group Short-term Disability — Premium Income

Other product segments

Group Long-term Disability
$602.8M-2.1%
Group Life
$576.9M+7.2%
Accident, Sickness, and Disability
$254.5M+2.2%
Voluntary Benefits
$251.7M+7.3%
Long-term Care
$159.4M-9.4%
Life
$131.1M+7.4%
Cancer and Critical Illness Colonial
$91.8M+1.0%
Dental and Vision
$82.7M+2.0%
Accidental Death & Dismemberment
$53.8M+9.3%
Unum Poland
$53.8M+11.9%
Supplemental
$50.8M+8.1%
Other Insurance Product Line
$33.5M-16.9%

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$5.94B+0.9%
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$652.52M+9.5%
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$2.62B+7.0%

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:PremiumsEarnedNet.

The source filing: Unum’s 10-Q, filed July 29, 2026.

Filed
Jul 29, 2026, 4:25 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000005513-26-000075
Line itemThree Months Ended June 30 / 2026Three Months Ended June 30 / 2025Six Months Ended June 30 / 2026Six Months Ended June 30 / 2025
Unum US
Group Disability
Group Long-term Disability$495.3$507.8$994.1$1,012.3
Group Short-term Disability332.2289.3642.9567.6
Group Life and Accidental Death & Dismemberment
Group Life499.7470.0995.1936.2
Accidental Death & Dismemberment53.849.2106.897.4
Supplemental and Voluntary

Item 1. Financial Statements (Unaudited):

FAQ

What is Unum's group short-term disability — premium income?
Unum (UNM) reported group short-term disability — premium income of $332.2M in Q2 2026.
How has Unum's group short-term disability — premium income changed year-over-year?
Unum's group short-term disability — premium income increased by 14.8% year-over-year, from $289.3M to $332.2M.
What is the long-term trend for Unum's group short-term disability — premium income?
Over 4 years (2021 to 2025), Unum's group short-term disability — premium income has grown at a 7.1% compound annual growth rate (CAGR), from $864M to $1.14B.
What does group short-term disability — premium income mean?
This metric represents the total earned premiums from group short-term disability insurance policies within a specific business segment. It reflects the revenue generated from employer-sponsored plans that provide income replacement to employees during temporary periods of disability. This figure is a primary indicator of market penetration and pricing power within the group disability insurance sector.

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