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?

This represents the portion of premiums collected that relates to coverage periods not yet expired. It is a liability on the balance sheet because the company has not yet provided the insurance protection for that period. It serves as a measure of the volume of business currently in force that has been paid for in advance.

Unum (UNM) Unum US — Unearned Premiums

Screener

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

ACGLInsurance — Unearned Premiums

$5.2B+7.0%

ACGLReinsurance — Unearned Premiums

$4.55B-7.1%

WRBInsurance — Unearned Premiums

$6.16B+5.5%

PRUPGIM — Unearned Premiums

$0—

LNCAnnuities — Unearned Premiums

$0—

ACGLMortgage — Unearned Premiums

$356M-24.3%

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

See full

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

See full

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

See full

Net margin5.3%-6.5pp

FCF margin11.2%+1.4pp

Returns & leverage

See full

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:SupplementaryInsuranceInformationUnearnedPremiums.

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 |

ITEM 15. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES

FAQ

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?: This represents the portion of premiums collected that relates to coverage periods not yet expired. It is a liability on the balance sheet because the company has not yet provided the insurance protection for that period. It serves as a measure of the volume of business currently in force that has been paid for in advance.