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Unum UNM Voluntary Benefits — Policyholder Account Balance, Guaranteed Minimum Credit Rating

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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:PolicyholderAccountBalanceGuaranteedMinimumCreditRating.

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
Unum US - Voluntary Benefits
3.00% - 3.99%$$82.1$$$$$82.1
4.00% - 4.99%225.1201.3426.4
5.00% - 6.00%27.827.8
335.0201.3536.3
Colonial Life
4.00% - 5.00%834.96.5841.4
Closed Block - All Other

Item 1. Financial Statements (Unaudited):

FAQ

What is Unum's voluntary benefits — policyholder account balance, guaranteed minimum credit rating?
Unum (UNM) reported voluntary benefits — policyholder account balance, guaranteed minimum credit rating of $0.06 in Q2 2026.
How has Unum's voluntary benefits — policyholder account balance, guaranteed minimum credit rating changed year-over-year?
Unum's voluntary benefits — policyholder account balance, guaranteed minimum credit rating decreased by 0.0% year-over-year, from $0.06 to $0.06.
What is the long-term trend for Unum's voluntary benefits — policyholder account balance, guaranteed minimum credit rating?
Over 3 years (2022 to 2025), Unum's voluntary benefits — policyholder account balance, guaranteed minimum credit rating has grown at a 0.0% compound annual growth rate (CAGR), from $0.24 to $0.24.
What does voluntary benefits — policyholder account balance, guaranteed minimum credit rating mean?
The minimum interest rate guaranteed by the insurer to be credited to policyholder account balances regardless of market performance. This represents a long-term financial guarantee and potential risk during low-interest-rate environments.

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