What is Unum's unum US — non-contemporaneous reinsurance?

Unum (UNM) reported unum US — non-contemporaneous reinsurance of -$250K in Q4 2025.

What does unum US — non-contemporaneous reinsurance mean?

The financial effect of reinsurance agreements applied to existing insurance policies.

How do you interpret unum US — non-contemporaneous reinsurance?

Used to manage capital and risk exposure; significant activity may signal a strategic shift in risk appetite or capital optimization efforts.

How does unum US — non-contemporaneous reinsurance compare across companies?

Comparable to retrospective reinsurance or loss portfolio transfer impacts at other insurers.

Unum UNM Unum US — Non-Contemporaneous Reinsurance

Similar metrics at other companies

PRUOther businesses — Deferred Reinsurance Loss - BOP & EOP

$63M-26.7%

EGUnited States Reinsurance — Underwriting Income Loss

-$306.17M-239%

PFGUniversal Life — Unearned Revenue Liability Reinsurance Impact

$214.1M-2.5%

EGUnited States Reinsurance — Policyholder Benefits And Claims Incurred Net

$1.77B+32.3%

EGUnited States Reinsurance — Reinsurance Recoverable For Unpaid Claims And Claims Adjustments

$363.93M-8.0%

CINFUniversal life — Less reinsurance recoverable, end of period

$5M-37.5%

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

See full

Net margin5.9%-6.5pp

FCF margin11.2%+1.4pp

Returns & leverage

See full

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:NonContemporaneousReinsurance.

The official record: Unum’s 10-K, filed February 17, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Unum's unum US — non-contemporaneous reinsurance?: Unum (UNM) reported unum US — non-contemporaneous reinsurance of -$250K in Q4 2025.
What does unum US — non-contemporaneous reinsurance mean?: The financial effect of reinsurance agreements applied to existing insurance policies.
How do you interpret unum US — non-contemporaneous reinsurance?: Used to manage capital and risk exposure; significant activity may signal a strategic shift in risk appetite or capital optimization efforts.
How does unum US — non-contemporaneous reinsurance compare across companies?: Comparable to retrospective reinsurance or loss portfolio transfer impacts at other insurers.