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Unum UNM Unum International — Interest accretion

Other segment segments

Closed Block
$93.8M-3.0%
Colonial Life
$35.9M+1.7%
Unum US
$25.8M+5.7%

Similar metrics at other companies

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GNWFixed annuities — Interest accretion
$0—
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GNWLife insurance — Interest accretion
$46M-8.0%
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GNWLong- term care insurance — Interest accretion
$205M-7.2%
Prudential Financial logo
PRUInternational Businesses — Interest accrual
$1.16B-2.4%
Citizens logo
CIAInternational Insurance Segment — Interest accrual
$11.83M-2.4%
Globe Life logo
GLLife — Interest accrual
$347.59M+0.8%

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:LiabilityForFuturePolicyBenefitExpectedNetPremiumInterestIncome.

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
Effect of actual variances from expected experience(0.9)2.1
Adjusted beginning of year balance377.1316.3
Issuances120.017.7
Interest accretion7.26.5
Net premiums collected(17.9)(16.1)
Foreign currency(17.7)47.0
Ending balance at original discount rate368.7371.4
Effect of change in discount rate assumptions(24.8)(34.2)

Item 1. Financial Statements (Unaudited):

FAQ

What is Unum's unum international — interest accretion?
Unum (UNM) reported unum international — interest accretion of $3.5M in Q2 2026.
How has Unum's unum international — interest accretion changed year-over-year?
Unum's unum international — interest accretion decreased by 0.0% year-over-year, from $3.5M to $3.5M.
What is the long-term trend for Unum's unum international — interest accretion?
Over 4 years (2021 to 2025), Unum's unum international — interest accretion has grown at a 10.8% compound annual growth rate (CAGR), from $8.9M to $13.4M.
What does unum international — interest accretion mean?
This represents the growth in the insurance liability balance due to the passage of time, calculated by applying the discount rate to the existing liability. It reflects the unwinding of the discount on long-term obligations. It is a non-cash expense that is fundamental to the time-value-of-money accounting for insurance reserves.

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