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Unum UNM Long-term Care — Interest accretion

Other product segments

Voluntary Benefits
$13.5M+8.9%
Individual Disability
$13.1M+0.8%
Other Insurance Product Line
$0

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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:LiabilityForFuturePolicyBenefitExpectedNetPremiumInterestIncome.

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 — interest accretion?
Unum (UNM) reported long-term care — interest accretion of $95.1M in Q1 2026.
How has Unum's long-term care — interest accretion changed year-over-year?
Unum's long-term care — interest accretion decreased by 3.0% year-over-year, from $98M to $95.1M.
What is the long-term trend for Unum's long-term care — interest accretion?
Over 4 years (2021 to 2025), Unum's long-term care — interest accretion has grown at a 1.4% compound annual growth rate (CAGR), from $370.6M to $392M.
What does long-term care — interest accretion mean?
The growth in insurance reserves caused by the time value of money.
How do you interpret long-term care — interest accretion?
Higher accretion is expected as the liability matures; it is a function of the discount rate and the size of the reserve.
How does long-term care — interest accretion compare across companies?
Standard interest expense component for long-duration insurance liabilities under GAAP.