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Unum UNM Unum International — Expected future benefit payments

Other segment segments

Closed Block
$67.75B-2.8%
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$17.72B-0.3%
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$11.36B+6.3%

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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:LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitUndiscountedBeforeReinsurance.

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 itemJune 30 / 2026June 30 / 2025
Amount of undiscounted:
Expected future benefit payments$4,686.3$4,760.1
Expected future gross premiums$1,641.3$1,562.1
Amount of discounted (at interest accretion rate):
Expected future gross premiums$1,013.8$982.5
Weighted average interest rate:
Interest accretion rate4.1%4.1%
Current discount rate5.1%4.9%

Item 1. Financial Statements (Unaudited):

FAQ

What is Unum's unum international — expected future benefit payments?
Unum (UNM) reported unum international — expected future benefit payments of $4.69B in Q2 2026.
How has Unum's unum international — expected future benefit payments changed year-over-year?
Unum's unum international — expected future benefit payments decreased by 1.6% year-over-year, from $4.76B to $4.69B.
What is the long-term trend for Unum's unum international — expected future benefit payments?
Over 3 years (2022 to 2025), Unum's unum international — expected future benefit payments has grown at a 5.8% compound annual growth rate (CAGR), from $15.66B to $18.56B.
What does unum international — expected future benefit payments mean?
This represents the actuarial projection of cash outflows required to satisfy future insurance claims over the life of the policies. It is a forward-looking metric used to manage liquidity and ensure that sufficient assets are set aside to meet obligations. It is a critical component of long-term financial planning and reserve setting.

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