How has Unum's long-term care — adjusted beginning of year balance changed year-over-year?

Unum's long-term care — adjusted beginning of year balance decreased by 2.8% year-over-year, from 752,300,000,000% to 731,020,000,000%.

Unum UNM Long-term Care — Adjusted beginning of year balance

Discontinued — last reported Q4 '25

Similar metrics at other companies

METLong-term Care — Adjusted balance

2,153,400,000,000%+52,000,000,000pp

GELong-term care — Beginning balance at locked-in discount rate

$27.98B+2.1%

PRULong- Term Care — Other adjustments

$0—

METWhole and Term Life & Endowments — Adjusted balance

1,535,900,000,000%+11,900,000,000pp

METAccident & health insurance — Adjusted balance

1,820,700,000,000%-48,800,000,000pp

PRULong- Term Care — Balance, EOP, post-flooring

$8.64B+2.6%

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

See full

Net margin5.9%-6.5pp

FCF margin11.2%+1.4pp

Returns & leverage

See full

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:LiabilityForFuturePolicyBenefitExpectedNetPremiumOriginalDiscountRateBeforeReinsuranceAfterCashFlowChange.

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 long-term care — adjusted beginning of year balance?: Unum (UNM) reported long-term care — adjusted beginning of year balance of 731,020,000,000% in Q4 2025.
How has Unum's long-term care — adjusted beginning of year balance changed year-over-year?: Unum's long-term care — adjusted beginning of year balance decreased by 2.8% year-over-year, from 752,300,000,000% to 731,020,000,000%.
What does long-term care — adjusted beginning of year balance mean?: This represents the restated liability balance at the start of the fiscal year, accounting for prior-period adjustments or changes in accounting standards. It provides a clean starting point for evaluating the year-over-year change in insurance reserves.