Unum (UNM) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
UNM trades at a discount with steady growth, rising premiums, and strong capital returns, but higher costs and leverage could weigh on margins.
Unum Group (UNM) Q4 2025 Earnings Call Transcript
UNM Q4 earnings and revenues miss estimates as segment profits fall, but premiums rise 2% year over year amid higher benefits and expenses.
Unum Group remains a 'buy' despite Q4 earnings miss and persistent underwriting weakness, as current valuation reflects downside risks. UNM's core business faces margin compression from higher claims and increased competition, with management guiding to lower-than-consensus EPS for 2024. The Closed Block legacy unit is excluded from valuation, as its equity is unlikely to generate shareholder value for years.
While the top- and bottom-line numbers for Unum (UNM) give a sense of how the business performed in the quarter ended December 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
Unum (UNM) came out with quarterly earnings of $1.92 per share, missing the Zacks Consensus Estimate of $2.11 per share. This compares to earnings of $2.03 per share a year ago.
UNM is set to report Q4 results on Feb. 5, with consensus projecting revenues of $3.3B and EPS of $2.11 despite pressure on investment income.
Unum (UNM) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
Unum Group stock rallies on improved premium income, higher sales, strong persistency, favorable benefits experience, and effective capital deployment.
Unum (UNM) reported earnings 30 days ago. What's next for the stock?
Unum Group ( UNM ) Q3 2025 Earnings Call November 4, 2025 8:00 AM EST Company Participants J. Royal - Senior Vice President of Investor Relations & Treasury Richard McKenney - President, CEO & Director Steven Zabel - Executive VP & CFO Christopher Pyne - Executive Vice President of Group Benefits Timothy Arnold - Executive VP of Voluntary Benefits & President of Colonial Life Mark Till - Executive VP & CEO of Unum International Conference Call Participants Ryan Krueger - Keefe, Bruyette, & Woods, Inc., Research Division Thomas Gallagher - Evercore ISI Institutional Equities, Research Division Joel Hurwitz - Dowling & Partners Securities, LLC Elyse Greenspan - Wells Fargo Securities, LLC, Research Division Taylor Scott - Barclays Bank PLC, Research Division Suneet Kamath - Jefferies LLC, Research Division Francis Matten - BMO Capital Markets Equity Research Wilma Jackson Burdis - Raymond James & Associates, Inc., Research Division Wesley Carmichael - Autonomous Research US LP Tracy Benguigui - Wolfe Research, LLC Maxwell Fritscher - Truist Securities, Inc., Research Division Joshua Shanker - BofA Securities, Research Division Presentation Operator Hello and thank you for standing by.