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Unum UNM Unum International — Reserves for Future Policy Contract Benefits

Other segment segments

Closed Block
$25.09B+4.2%
Unum US
$8.49B-2.0%
Colonial Life
$2.03B+6.7%

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JXNInstitutional Products — Reserves for Future Policy Benefits and Claims Payable
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JXNRetail Annuities — Reserves for Future Policy Benefits and Claims Payable
$1.5B+6.2%
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CIAInternational Insurance Segment — Supplementary Insurance Information, Future policy benefit reserves and policy claims payable
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VOYAEmployee Benefits — Future Policy Benefits and Contract Owner Account Balances
$2.3B-5.7%
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LNCAnnuities — Future Contract Benefits
$2.05B+1.7%
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CRBGCorporate & Other — Future Policy Benefits
$20.1B-2.6%

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:SupplementaryInsuranceInformationLiabilityForFuturePolicyBenefitsLossesClaimsAndLossExpenseReserves.

The source filing: Unum’s 10-K, filed February 17, 2026.

Filed
Feb 17, 2026, 4:30 PM EST
Fiscal year
FY2025
Accession
0000005513-26-000008

| Unum US | $1,208.7 | $8,493.4 | $665.7 | $48.7 | | Unum International | 72.1 | 2,404.3 | — | 201.5 | | Colonial Life | 1,639.5 | 2,032.0 | 858.9 | 46.9 | | Closed Block | — | 25,087.3 | 4,111.8 | 115.7 | | Total | $2,920.3 | $38,017.0 | $5,636.4 | $412.8 | | December 31, 2024 | | | | | | Unum US | $1,260.6 | $8,669.7 | $675.7 | $51.7 | | Unum International | 53.0 | 2,163.0 | — | 165.5 | | Colonial Life | 1,529.2 | 1,904.2 | 862.5 | 45.4 |

ITEM 15. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES

FAQ

What is Unum's unum international — reserves for future policy contract benefits?
Unum (UNM) reported unum international — reserves for future policy contract benefits of $2.4B in Q4 2025.
How has Unum's unum international — reserves for future policy contract benefits changed year-over-year?
Unum's unum international — reserves for future policy contract benefits increased by 11.2% year-over-year, from $2.16B to $2.4B.
What does unum international — reserves for future policy contract benefits mean?
The estimated liability set aside to cover future obligations to policyholders for long-term insurance contracts. This represents the company's long-term financial commitment and is sensitive to interest rate environments and mortality/morbidity assumptions.

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