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Unum UNM Unum International — Interest accretion rate

Other segment segments

Closed Block
5.3%0.0%
Colonial Life
4.4%0.0%
Unum US
4.4%0.0%

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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:LiabilityForFuturePolicyBenefitWeightedAverageInterestAccretionRate.

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
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%
Weighted average duration of the liability8.7 years8.9 years

Item 1. Financial Statements (Unaudited):

FAQ

What is Unum's unum international — interest accretion rate?
Unum (UNM) reported unum international — interest accretion rate of 4.1% in Q2 2026.
How has Unum's unum international — interest accretion rate changed year-over-year?
Unum's unum international — interest accretion rate decreased by 0.0% year-over-year, from 4.1% to 4.1%.
What is the long-term trend for Unum's unum international — interest accretion rate?
Over 3 years (2022 to 2025), Unum's unum international — interest accretion rate has grown at a 1.7% compound annual growth rate (CAGR), from 15.6% to 16.4%.
What does unum international — interest accretion rate mean?
The rate at which the company increases the carrying value of its insurance liabilities over time to reflect the passage of time. This reflects the time value of money applied to long-duration insurance contracts.

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