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Unum UNM Other Insurance Product Line — Interest credited

Other product segments

Voluntary Benefits
$4.6M-9.8%

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$22M-24.1%
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$74M+2.8%
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LNCLife Insurance — Interest credited
$291M+1.4%
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$412M+93.4%
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GLInterest Sensitive Life — Interest credited
$6.76M-1.6%
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CNOInterest-sensitive life — Interest credited
$20.7M+30.2%

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:InterestCreditedToPolicyholdersAccountBalances.

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 itemUnum US - Voluntary BenefitsColonial LifeClosed Block - All OtherTotal
Policy charges1(26.0)(33.9)(57.0)(116.9)
Surrenders and withdrawals(18.8)(18.2)(70.5)(107.5)
Benefit payments(2.8)(4.4)(75.4)(82.6)
Interest credited9.416.9168.2194.5
Other3.6(0.3)2.86.1
Balance, end of period536.3841.44,050.55,428.2
Reserves in excess of account balance120.113.242.0175.3
Total policyholders' account balances656.4854.64,092.55,603.5

Item 1. Financial Statements (Unaudited):

FAQ

What is Unum's other insurance product line — interest credited?
Unum (UNM) reported other insurance product line — interest credited of $84.5M in Q2 2026.
How has Unum's other insurance product line — interest credited changed year-over-year?
Unum's other insurance product line — interest credited increased by 2.7% year-over-year, from $82.3M to $84.5M.
What is the long-term trend for Unum's other insurance product line — interest credited?
Over 4 years (2021 to 2025), Unum's other insurance product line — interest credited has grown at a 1.1% compound annual growth rate (CAGR), from $315.4M to $329.8M.
What does other insurance product line — interest credited mean?
The interest expense incurred by the insurer on policyholder account balances, representing the return credited to customers on their invested premiums. This is a primary cost of funds for the insurer.

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