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Unum UNM Unum International — Net liability for future policy benefits

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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:LiabilityForFuturePolicyBenefitBeforeReinsuranceBeforeOther.

The official record: Unum’s 10-Q, filed April 29, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Unum's unum international — net liability for future policy benefits?
Unum (UNM) reported unum international — net liability for future policy benefits of $2.19B in Q1 2026.
How has Unum's unum international — net liability for future policy benefits changed year-over-year?
Unum's unum international — net liability for future policy benefits increased by 1.2% year-over-year, from $2.17B to $2.19B.
What is the long-term trend for Unum's unum international — net liability for future policy benefits?
Over 3 years (2022 to 2025), Unum's unum international — net liability for future policy benefits has grown at a 2.2% compound annual growth rate (CAGR), from $8.56B to $9.14B.
What does unum international — net liability for future policy benefits mean?
The net amount the company expects to owe for future insurance claims after accounting for future premium income.
How do you interpret unum international — net liability for future policy benefits?
An increase generally reflects growth in the insurance business, but must be balanced against premium growth.
How does unum international — net liability for future policy benefits compare across companies?
Standard net reserve liability metric across the insurance industry.