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Unum UNM Unum US — Future Policy Benefits

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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:LiabilityForFuturePolicyBenefits.

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
Liability for future policy benefits
Unum US1$8,328.9$8,611.6
Unum International12,350.82,402.5
Colonial Life2,060.91,968.9
Closed Block124,686.823,996.3
Other products1183.3203.6
Total liability for future policy benefits$37,610.7$37,182.9

Item 1. Financial Statements (Unaudited):

FAQ

What is Unum's unum US — future policy benefits?
Unum (UNM) reported unum US — future policy benefits of $8.33B in Q2 2026.
How has Unum's unum US — future policy benefits changed year-over-year?
Unum's unum US — future policy benefits decreased by 3.3% year-over-year, from $8.61B to $8.33B.
What is the long-term trend for Unum's unum US — future policy benefits?
Over 3 years (2022 to 2025), Unum's unum US — future policy benefits has grown at a -5.6% compound annual growth rate (CAGR), from $40.7B to $34.23B.
What does unum US — future policy benefits mean?
This represents the estimated liability for insurance benefits that the company expects to pay to policyholders in the future. It is calculated based on actuarial assumptions regarding mortality, morbidity, and lapse rates. This is a primary indicator of the long-term financial commitment the insurer has to its policyholders.

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