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Unum UNM Unum International — Future Policy Benefits

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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:LiabilityForFuturePolicyBenefits.

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
Liability for future policy benefits
Unum US1$8,328.9$8,611.6
Unum International12,350.82,402.5
Colonial Life2,060.91,968.9
Closed Block124,686.823,996.3
Other products1183.3203.6
Total liability for future policy benefits$37,610.7$37,182.9

Item 1. Financial Statements (Unaudited):

FAQ

What is Unum's unum international — future policy benefits?
Unum (UNM) reported unum international — future policy benefits of $2.35B in Q2 2026.
How has Unum's unum international — future policy benefits changed year-over-year?
Unum's unum international — future policy benefits decreased by 2.2% year-over-year, from $2.4B to $2.35B.
What is the long-term trend for Unum's unum international — future policy benefits?
Over 3 years (2022 to 2025), Unum's unum international — future policy benefits has grown at a 2.5% compound annual growth rate (CAGR), from $8.67B to $9.34B.
What does unum international — future policy benefits mean?
The estimated liability for future insurance benefits that the company expects to pay to policyholders. This represents the core long-term obligation of the international insurance segment.

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