Unum Group (UNM)
NYSE:UNM
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Earnings Data
Report Date
Aug 04, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
2.16Last Year’s EPS
2.07Same Quarter Last Year
Moderate Buy
Based on 11 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a predominantly positive operating and financial picture: record and improved earnings in several core lines (Group Life, Colonial Life), strong sales growth, high persistency, solid Unum US profitability and robust capital metrics (RBC 460%, $1.7B liquidity). Management also highlighted active, methodical progress reducing long-term care (LTC) tail risk (7% of group LTC cases closed) and reiterated a clear capital deployment plan (repurchases and dividends). Offsetting items include quarterly weakness at Unum International (U.K. claim-size driven), a year-over-year decline in supplemental & voluntary earnings, GAAP volatility from closed-block LTC actions, and alternative portfolio yields below target. Overall, the highlights materially outweigh the lowlights and most of the negatives were described as manageable or transitory by management.Company Guidance
Strong adjusted operating earnings and EPS growth
After-tax adjusted operating earnings of $353 million and after-tax adjusted operating EPS of $2.14, up nearly 10% year-over-year, reflecting solid top- and bottom-line execution.
Robust sales growth and persistency in U.S. Group
U.S. group sales increased ~22% year-over-year with total group persistency at 92% (up 2.7 percentage points YoY), supporting premiums and long-term customer retention.
Solid Unum US profitability and returns
Unum US produced adjusted operating income of $337.9 million and before-tax earnings of $338 million with a quarter ROE of 25%, demonstrating high-return core operations.
Record performance in Group Life and Colonial Life
Group Life & AD&D adjusted operating income was $115.1 million (vs. $69.2 million a year ago) with a benefit ratio improving to 61.8% from 69.3%. Colonial Life delivered record adjusted operating income of $127.8 million (up from $115.7 million) with ROE of 19.2%.
Top-line trends: overall sales and premium growth
Total sales growth of 14.4% in the quarter and core premium growth of 3.9% (and ~5% when adjusting for stop-loss runoff and prior-year transactions); Unum International premiums grew 8.1% (Poland +15.2%, U.K. +6.5%).
Active, opportunistic capital deployment and strong capital ratios
Repurchased approximately $400 million of shares in Q1 (reducing public float ~3%), paid $78 million in dividends, with traditional RBC at 460% and holding company liquidity ~ $1.7 billion; plan to redeploy roughly $1.3 billion and repurchase ~$1 billion this year.
Progress on Closed Block (LTC) risk reduction
Management discontinued new employee coverage on existing group LTC cases and as a result ~7% of group LTC cases terminated in Q1 (approximately 30,000 lives), meaningfully reducing exposure; Fairwind protection remains ~$2.2 billion.
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 |
|---|---|---|---|
Apr 28, 2026 | $77.82 | $81.29 | +4.46% |
Feb 05, 2026 | $75.21 | $74.12 | -1.45% |
Sep 30, 2025 | $76.39 | $76.86 | +0.62% |
Jul 29, 2025 | $79.52 | $69.84 | -12.18% |
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 Aug 04, 2026, After Close (Confirmed).
What is Unum Group (UNM) earnings time?
Unum Group (UNM) earnings time is at Aug 04, 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 (Q2) is 2.16.