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Unum UNM Unum US — Current discount rate

Other segment segments

Closed Block
5.6%+3.7%
Colonial Life
5.5%+3.8%
Unum International
5.5%+5.8%

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Globe Life logo
GLUnited American — Current discount rate
5.3%+0.2pp
Globe Life logo
GLOther — Current discount rate
5.6%+0.1pp
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AMPUniversal Life Insurance — Weighted average discount rate
3.1%-0.1pp
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AMPVariable Universal Life Insurance — Weighted average discount rate
7.1%0.0pp
U-Haul Holding logo
UHAL.BLife Insurance — Liability For Future Policy Benefit Current Weighted Average Discount Rate
——
Corebridge Financial logo
CRBGUniversal Life — Weighted-average interest rate, current discount rate
——

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 us-gaap:LiabilityForFuturePolicyBenefitCurrentWeightedAverageDiscountRate.

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 US — current discount rate?
Unum (UNM) reported unum US — current discount rate of 4.7% in Q1 2026.
How has Unum's unum US — current discount rate changed year-over-year?
Unum's unum US — current discount rate decreased by 0.0% year-over-year, from 4.7% to 4.7%.
What is the long-term trend for Unum's unum US — current discount rate?
Over 3 years (2022 to 2025), Unum's unum US — current discount rate has grown at a 2.7% compound annual growth rate (CAGR), from 16.9% to 18.3%.
What does unum US — current discount rate mean?
The interest rate used to calculate the present value of future insurance obligations.
How do you interpret unum US — current discount rate?
A higher discount rate reduces the present value of future liabilities, potentially improving reported earnings, while a lower rate increases liabilities.
How does unum US — current discount rate compare across companies?
Standard actuarial metric for all insurance companies with long-duration contracts.