The earnings call presented a mixed picture, with strong capital levels and strategic transactions supporting long-term growth, but current earnings were pressured by elevated claims and challenges in the sales environment. While Unum's capital position and strategic initiatives are strong, short-term operational challenges and lower-than-expected earnings suggest a balanced outlook.

Company Guidance

In the Unum Group's Second Quarter 2025 Earnings Call, the company provided updated guidance and metrics reflecting its financial performance and strategic initiatives. The company reported a 4.6% core operations premium growth for the quarter and revised its full-year earnings per share (EPS) expectation to approximately $8.50. This adjustment was attributed to pressures in earnings, particularly within the group disability segment, which recorded a benefit ratio of 62%, slightly higher than anticipated. The company highlighted a strong capital position, ending the quarter with $2 billion in holding company cash and a 485% risk-based capital ratio. Despite a slower start to sales in the first half, Unum Group remains optimistic about achieving its premium growth outlook of 3% to 6% for the year, bolstered by higher-than-expected persistency levels and strategic investments in digital capabilities. The company also announced a 10% increase in its annual common stock dividend and repurchased $300 million in shares during the quarter, aiming to finish the year toward the upper end of its $500 million to $1 billion range of share repurchases.

Strong Persistency and Premium Growth

Unum reported strong premium growth of 4.6% in the quarter, driven by high persistency levels and natural growth within the in-force block, which mitigated the impact of pressured sales.

Record High Capital Levels

The company's risk-based capital ratio increased to approximately 485%, one of the highest levels seen, with holding company liquidity at $2 billion, indicating strong financial health.

Successful Strategic Transactions

Unum completed the acquisition of a small block of group business in the U.K. and became the exclusive U.K. Employee Benefits partner for Generali Employee Benefits Network. Additionally, they acquired Beanstalk Benefits to enhance their digital platform.

Increased Capital Returns to Shareholders

Unum announced a 10% increase in its annual common stock dividend and repurchased $300 million in shares during the second quarter, with total capital returns for the year reaching $650 million.

Closure of External Reinsurance Transaction

The closure of the external reinsurance transaction is expected to enhance Unum's focus on their core employee benefits business while reducing exposure to Legacy Long-Term Care.

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 2.17.

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