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Unum
Unum (UNM) investor relations material
Unum Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary6 Feb, 2026
Executive summary
2025 saw disciplined operational performance, digital investment, and risk profile improvement in the Closed Block, but adjusted EPS of $8.13 was down year-over-year and below expectations due to higher-than-expected benefits experience.
Core operations delivered a 20% ROE, with premium growth of 4.5% overall, 3.1% at Colonial Life, and 10% in International, supported by strong persistency and digital adoption.
Reported Q4 2025 net income of $174.1M ($1.04 per diluted share), down from $348.7M ($1.92 per share) in Q4 2024; after-tax adjusted operating income was $322.3M ($1.92 per share).
Two small acquisitions were completed, the dividend was increased by 10%, and $1 billion in shares were repurchased, returning all generated capital to shareholders.
Book value per share rose 9.3% to $67.11; excluding AOCI, book value per share increased 3.3% to $78.02.
Financial highlights
Full-year adjusted EPS was $8.13, down year-over-year; after-tax adjusted operating earnings were $1.4 billion ($8.83 per share).
Q4 2025 total revenue was $3.24B, with full-year revenue at $13.08B.
Core operations premium grew 3.7% for the year, 2.9% in Q4; adjusted for runoff and reinsurance, premium growth was 4.5%.
Adjusted ROE for core operations was approximately 20% for both the quarter and full year.
Statutory earnings for the year were $1.1 billion, below the $1.3–$1.6 billion expectation.
Outlook and guidance
2026 guidance: top-line growth of 4%-7%, EPS growth of 8%-12% (to $8.60–$8.90), and continued 10% dividend growth and $1 billion in share repurchases.
After-tax adjusted operating income per share for 2026 is projected at $8.60–$8.90, representing 8%–12% growth over the redefined 2025 result of $7.93 per share.
Group Disability Benefit Ratio expected to stabilize at 62%-64% in 2026, supporting ROE >25%.
Capital generation expected at $1.4–$1.6 billion, with free cash flow of $1.2–$1.4 billion; capital deployment to shareholders targeted at 100% of free cash flow.
Beginning in 2026, after-tax adjusted operating income will exclude Closed Block segment results.
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Next Unum earnings date
UBS Financial Services Conference 20269 Feb, 2026
Unum
Next Unum earnings date
UBS Financial Services Conference 20269 Feb, 2026
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Frequently asked questions
Unum Group, provides financial protection benefit solutions in the United States and internationally. It operates in two segments, the Product segment and the International segment. The Product segment provides various employee benefits such as group disability insurance, group life insurance, accidental death and dismemberment insurance, individual critical illness insurance, and voluntary market products; supplemental health insurance; and welfare benefits; as well as annuity products to employer groups in the manufacturing, construction, energy, automotive retailing, government services, staffing/recruiting services, and transportation industries. This segment sells its products directly to employer groups through independent agents.
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