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Unum UNM Unum International — Adjusted Policy Benefits

Discontinued — last reported Q4 '25

Similar metrics at other companies

Prudential Financial logo
PRUInternational Businesses — Benefits, Claims, Losses and Settlement Expenses
$3.42B-9.0%
Prudential Financial logo
PRUInternational Insurance — Policyholders’ benefits
$2.74B-5.3%
Prudential Financial logo
PRUInternational Businesses — Policyholders’ benefits
$2.66B-4.4%
Everest Group logo
EGInternational — Policyholder Benefits And Claims Incurred Net
$315.7M+24.4%
Prudential Financial logo
PRUInternational Businesses — Total benefits and expenses
$3.98B+2.2%
Prudential Financial logo
PRUInternational Insurance — Total benefits and expenses
$3.76B-3.0%

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 unm:AdjustedPolicyBenefits.

The official record: Unum’s 10-K, filed February 17, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Unum's unum international — adjusted policy benefits?
Unum (UNM) reported unum international — adjusted policy benefits of $216.1M in Q4 2025.
How has Unum's unum international — adjusted policy benefits changed year-over-year?
Unum's unum international — adjusted policy benefits increased by 18.9% year-over-year, from $181.7M to $216.1M.
What is the long-term trend for Unum's unum international — adjusted policy benefits?
Over 3 years (2022 to 2025), Unum's unum international — adjusted policy benefits has grown at a 15.0% compound annual growth rate (CAGR), from $521.6M to $793M.
What does unum international — adjusted policy benefits mean?
The core costs associated with paying insurance claims and benefits in the international segment.
How do you interpret unum international — adjusted policy benefits?
A decrease relative to premiums suggests improved underwriting profitability and claims management.
How does unum international — adjusted policy benefits compare across companies?
Comparable to 'Incurred Losses' or 'Benefit Expenses' at other insurance companies.