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Unum UNM Unum US — Unearned Premiums

Other segment segments

Unum International

$201.5M+21.8%

Closed Block

$115.7M-4.7%

Colonial Life

$46.9M+3.3%

Similar metrics at other companies

PRUInternational Businesses — Unearned Premiums

$77M-11.5%

AIZCorporate and Other — Unearned premiums

$5.7M-26.0%

GLHealth — Unearned Premiums

$43.36M-2.6%

EGOther — Unearned Premium Reserves

$32M-52.9%

PRUGroup Insurance — Unearned Premiums

$94M-61.8%

CRBGIndividual Retirement — Unearned Premiums

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Other financials

Income statement

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

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

Operating cash flow$340.8M-3.6%

CapEx$39.6M+10.6%

Free cash flow$301.2M-5.2%

Valuation

Market cap$14.38B-17.0%

Enterprise value$17.95B-13.3%

P/E18.4×+7.4×

P/S1.1×-0.3×

Profitability

Net margin5.9%-6.5pp

FCF margin11.2%+1.4pp

Returns & leverage

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:SupplementaryInsuranceInformationUnearnedPremiums.

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 — unearned premiums?: Unum (UNM) reported unum US — unearned premiums of $48.7M in Q4 2025.
How has Unum's unum US — unearned premiums changed year-over-year?: Unum's unum US — unearned premiums decreased by 5.8% year-over-year, from $51.7M to $48.7M.
What does unum US — unearned premiums mean?: Premiums collected for insurance coverage that has not yet been provided to the customer.
How do you interpret unum US — unearned premiums?: An increase suggests growth in new business or renewals, indicating future revenue recognition.
How does unum US — unearned premiums compare across companies?: Standard insurance accounting term for 'Unearned Premium Reserve' (UPR).