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

Other product segments

Long-term Care
$124.3M-16.2%
Voluntary Benefits
-$78.1M+0.6%
Other Insurance Product Line
$0—

Similar metrics at other companies

Aflac logo
AFLDisability — Effect of change in discount rate assumptions
-$96M+11.9%
Aflac logo
AFLDisability — Effect of changes in discount rate assumptions
-$62M+13.9%
Principal Financial Group logo
PFGIndividual Disability — Liability For Future Policy Benefit Expected Future Policy Benefit Period Increase Decrease Effect Discount Rate Assumption Change
-$86.6M—
Principal Financial Group logo
PFGIndividual Disability — Liability For Future Policy Benefit Expected Future Benefit Original Discount Rate Before Reinsurance After Cash Flow Change
596,060,000,000%+11,870,000,000pp
Globe Life logo
GLOther — Effect of changes in discount rate assumptions
$310.82M-21.5%
Aflac logo
AFLDisability — Liability for Future Policy Benefit, Expected Future Policy Benefit, Original Discount Rate, before Cash Flow and Reinsurance
241,800,000,000%-5,300,000,000pp

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 individual disability — effect of change in discount rate assumptions?
Unum (UNM) reported individual disability — effect of change in discount rate assumptions of -$11.3M in Q1 2026.
How has Unum's individual disability — effect of change in discount rate assumptions changed year-over-year?
Unum's individual disability — effect of change in discount rate assumptions increased by 24.2% year-over-year, from -$14.9M to -$11.3M.
What is the long-term trend for Unum's individual disability — effect of change in discount rate assumptions?
Over 3 years (2022 to 2025), Unum's individual disability — effect of change in discount rate assumptions has grown at a -42.2% compound annual growth rate (CAGR), from $65.2M to -$12.6M.
What does individual disability — effect of change in discount rate assumptions mean?
The change in the value of future disability liabilities caused solely by shifts in the discount rate used for valuation.
How do you interpret individual disability — effect of change in discount rate assumptions?
A decrease in the liability (positive impact) often occurs when discount rates rise, reflecting the reduced present value of future obligations.
How does individual disability — effect of change in discount rate assumptions compare across companies?
Standard sensitivity analysis metric for insurers with long-duration liabilities.