The earnings call presented a mixed picture. While Unum demonstrated strong capital position, premium growth, and shareholder returns, it faced significant challenges in earnings shortfall, group disability claims, and long-term care claims pressure, leading to a revised EPS outlook.

Company Guidance -

Q3 2025

During the Unum Group's second quarter 2025 earnings call, several key metrics and guidance were shared. The company reported an adjusted after-tax operating income per share of $2.07, down from $2.16 in the same period last year, and adjusted its full-year EPS guidance to approximately $8.50 due to earnings pressures. Premium growth for core operations was 4.6%, with expectations to achieve the full-year premium growth outlook of 3% to 6%. The benefit ratio for group disability was reported at 62%, which, while higher than their outlook, reflects strong historical performance. The group life and AD&D benefit ratio was above 70%, consistent with prior expectations, though slightly elevated due to higher average claim sizes. Unum International and Colonial Life segments showed solid premium growth, with International up 12% on a constant currency basis, and Colonial Life experiencing a 3.5% increase. Unum also highlighted a robust capital position, ending the quarter with $2 billion in holding company cash and a 485% risk-based capital ratio, and increased its annual common stock dividend by 10%, along with $300 million in share repurchases during the quarter.

Strong Capital Position

Unum ended the quarter with $2 billion in holding company cash and a 485% risk-based capital ratio, indicating a robust capital position.

Premium Growth

The company experienced strong premium growth of nearly 5%, driven by growth in almost all product lines, including International premiums up 12% and Colonial Life with 3.5% growth.

Persistency Improvements

There was a modest uptick in persistency in the second quarter, ending the first half above expectations, which helps keep premium growth on track.

CapEx and Acquisitions

Unum completed acquisitions in the U.K. and U.S. to enhance digital platforms, including a small block of group business in the U.K. and Beanstalk Benefits in the U.S.

Shareholder Returns

A 10% increase in the annual common stock dividend was announced, along with $300 million in share repurchases during the second quarter, with expectations to reach the upper end of the $500 million to $1 billion range for the year.

Unum Group (UNM) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

UNM Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 04, 2025	2025 (Q3)	2.17 / -	2.13	―	―	―
Jul 29, 2025	2025 (Q2)	2.22 / 2.07	2.16	-4.17% (-0.09)
Apr 29, 2025	2025 (Q1)	2.19 / 2.04	2.12	-3.77% (-0.08)	―
Feb 04, 2025	2024 (Q4)	2.14 / 2.03	1.79	13.41% (+0.24)
Oct 29, 2024	2024 (Q3)	2.10 / 2.13	1.94	9.79% (+0.19)
Jul 30, 2024	2024 (Q2)	2.02 / 2.16	2.06	4.85% (+0.10)
Apr 30, 2024	2024 (Q1)	1.97 / 2.12	1.87	13.37% (+0.25)
Jan 30, 2024	2023 (Q4)	1.86 / 1.79	1.43	25.17% (+0.36)
Oct 31, 2023	2023 (Q3)	1.92 / 1.94	1.51	28.48% (+0.43)
Aug 01, 2023	2023 (Q2)	1.86 / 2.06	1.91	7.85% (+0.15)

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
Jul 29, 2025	$80.97	$71.11	-12.18%
Apr 29, 2025	$78.78	$77.21	-1.99%
Feb 04, 2025	$75.11	$76.86	+2.33%
Oct 29, 2024	$60.61	$63.33	+4.49%

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 Nov 04, 2025, After Close (Confirmed).

What is Unum Group (UNM) earnings time?

Unum Group (UNM) earnings time is at Nov 04, 2025, 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 2025 (Q3) is 2.18.

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