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Unum UNM Individual Disability — Premiums Earned Net

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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
Accidental Death & Dismemberment53.849.2106.897.4
Supplemental and Voluntary
Voluntary Benefits251.7234.5505.5468.6
Individual Disability142.8166.7289.3335.4
Dental and Vision82.781.1165.0162.0
1,858.21,798.63,698.73,579.5
Unum International
Unum UK

Item 1. Financial Statements (Unaudited):

FAQ

What is Unum's individual disability — premiums earned net?
Unum (UNM) reported individual disability — premiums earned net of $142.8M in Q2 2026.
How has Unum's individual disability — premiums earned net changed year-over-year?
Unum's individual disability — premiums earned net decreased by 14.3% year-over-year, from $166.7M to $142.8M.
What is the long-term trend for Unum's individual disability — premiums earned net?
Over 3 years (2021 to 2025), Unum's individual disability — premiums earned net has grown at a -6.1% compound annual growth rate (CAGR), from $743.8M to $615.1M.
What does individual disability — premiums earned net mean?
This metric represents the total revenue recognized from individual disability insurance policies after accounting for reinsurance ceded. It reflects the core top-line performance of the individual disability product line, capturing the net amount of premiums retained by the insurer to cover claims and operating expenses. This is a primary indicator of market demand and the company's ability to underwrite and maintain individual income protection contracts.

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