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Unum UNM Voluntary Benefits — Interest credited

Other product segments

Other Insurance Product Line
$84.5M+2.7%

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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:InterestCreditedToPolicyholdersAccountBalances.

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 itemUnum US - Voluntary BenefitsColonial LifeClosed Block - All OtherTotal
Policy charges1(26.0)(33.9)(57.0)(116.9)
Surrenders and withdrawals(18.8)(18.2)(70.5)(107.5)
Benefit payments(2.8)(4.4)(75.4)(82.6)
Interest credited9.416.9168.2194.5
Other3.6(0.3)2.86.1
Balance, end of period536.3841.44,050.55,428.2
Reserves in excess of account balance120.113.242.0175.3
Total policyholders' account balances656.4854.64,092.55,603.5

Item 1. Financial Statements (Unaudited):

FAQ

What is Unum's voluntary benefits — interest credited?
Unum (UNM) reported voluntary benefits — interest credited of $4.6M in Q2 2026.
How has Unum's voluntary benefits — interest credited changed year-over-year?
Unum's voluntary benefits — interest credited decreased by 9.8% year-over-year, from $5.1M to $4.6M.
What is the long-term trend for Unum's voluntary benefits — interest credited?
Over 4 years (2021 to 2025), Unum's voluntary benefits — interest credited has grown at a -4.2% compound annual growth rate (CAGR), from $23.7M to $20M.
What does voluntary benefits — interest credited mean?
The interest expense incurred by the insurer on policyholder account balances. This represents the return provided to policyholders on their accumulated funds, often tied to market interest rates or guaranteed minimums. It is a significant cost of funds for the insurer and impacts the net interest margin.

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