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Unum Group (UNM)
NYSE:UNM
Earnings Data
Report Date
Apr 28, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
2.09Last Year’s EPS
2.04Same Quarter Last Year
Moderate Buy
Based on 10 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a mix of pronounced strengths — solid top-line growth across core operations (notably Colonial and International), strong capital metrics (RBC ~440%, $3.2B holdco cash), successful LTC de-risking actions and continued digital adoption — alongside near-term profitability pressure driven by higher-than-expected benefits experience and quarter-to-quarter volatility (notably in group disability and some international claims). Management provided a constructive 2026 outlook (4%–7% premium growth, 8%–12% EPS growth on a redefined basis), committed to shareholder returns, and reiterated capital flexibility. Given strong capitalization, clear progress on legacy risks, and an optimistic but realistic outlook balanced against the earnings miss and margin variability, the overall tone is cautiously positive.Company Guidance
Top-line Growth in Core Operations
Core operations premium grew ~4.5% on a constant-currency basis excluding transaction impacts; reported core premium +3.7% for full year and +2.9% in Q4. Core operations sales finished the year up 1.1% and are expected to grow 4%–7% in 2026.
Strong Premium Momentum in Colonial and International
Colonial Life sales increased 10% in Q4 and 5.3% for the full year; Colonial full-year premium +3.1% to $1.8B. International premiums grew 11.5% in Q4 and 10% for the full year to $1.1B.
High Returns on Equity from Core Operations
Adjusted ROE for core operations was approximately 20% for both the quarter and full year; management expects Unum US ROE in mid-20s and group disability ROE >25% in 2026.
Capital Strength and Shareholder Returns
Year-end statutory capital: risk-based capital ~440% and $3.2B holding company cash. Company increased dividend by 10% in 2025, repurchased ~$1B of stock (returned roughly what was generated), and plans ~$1B repurchases and a 10% dividend increase for 2026.
Closed-Block De-risking Progress
Completed reinsurance that ceded roughly 20% of long-term care (LTC) reserves and an internal reinsurance action, reducing LTC reserves by more than $4B in 2025; removed morbidity and mortality improvement assumptions and discontinued new employee coverage on existing group LTC cases (block in full runoff).
Digital Adoption and Persistency
Over one-third of core premium associated with customers using digital capabilities (HR Connect, Broker Connect, MyUnum, etc.). Persistency remains high with U.S. Group persistency of 90.2%, and digital adoption correlates with stronger engagement and 2%–4% higher persistency for HR Connect customers.
Positive 2026 Outlook with EPS Growth Guidance
Management expects adjusted after-tax operating EPS of $8.60–$8.90 for 2026 (8%–12% growth versus redefined 2025 base of $7.93), company-wide premium growth of 4%–7%, and free cash flow generation of $1.2B–$1.4B.
Alternative Portfolio Performance Improvement
Alternative investment portfolio largely backing LTC generated $25.9M in Q4 income, translating to an annualized Q4 return of 7.6% (full-year yield 6.4%), showing improving momentum versus earlier 2025 levels.
UNM Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
UNM Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 05, 2026 | $75.66 | $74.56 | -1.45% |
Sep 30, 2025 | $76.84 | $77.32 | +0.62% |
Jul 29, 2025 | $80.00 | $70.25 | -12.18% |
Apr 29, 2025 | $77.84 | $76.28 | -1.99% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Unum Group (UNM) report earnings?
Unum Group (UNM) is schdueled to report earning on Apr 28, 2026, After Close (Confirmed).
What is Unum Group (UNM) earnings time?
Unum Group (UNM) earnings time is at Apr 28, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is UNM EPS forecast?
UNM EPS forecast for the fiscal quarter 2026 (Q1) is 2.09.