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Unum Group (UNM)
NYSE:UNM
Earnings Data
Report Date
Jul 29, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
2.25Last Year’s EPS
2.16Same Quarter Last Year
Moderate Buy
Based on 12 Analysts Ratings
Earnings Call Summary
Earnings Call Date:Apr 29, 2025
|% Change Since: 3.50%
|Next Earnings Date:Jul 29, 2025
Earnings Call Sentiment|Neutral
The earnings call reflected a well-balanced performance with strong capital positioning, significant achievements in long-term care risk reduction, and robust sales in key segments. However, increased disability claims and lower persistency in some areas posed challenges. Despite these, the company remains confident in meeting its full-year growth outlook.Company Guidance
During Unum Group's Q1 2025 earnings call, the company reaffirmed its full-year growth outlook of 6% to 10%, citing strong performance across its core operations. Key metrics highlighted include a return on equity (ROE) of over 20%, over 4% premium growth, and $350 million in underlying statutory earnings. Additionally, the company reported an elevated group disability benefit ratio of 61.8% due to higher disability claims, but remains confident in achieving an annual benefit ratio expectation in the low 60s. The first quarter earnings per share (EPS) was $2.04, slightly below expectations due to these claims. Unum also noted robust capital metrics, with record holding company liquidity at $2.2 billion and a risk-based capital (RBC) ratio of 460%. The company executed $200 million in share repurchases during the quarter and plans to increase this in the second quarter. Despite some variability in international sales, Unum U.S. and Colonial Life segments showed growth, with voluntary benefits sales particularly strong. The company continues to focus on digital interactions to strengthen client relationships and anticipates further sales growth, aided by a healthy sales pipeline and strategic investments in technology.Strong Capital Position
Unum ended the quarter with record levels of holding company liquidity at $2.2 billion and an RBC position of 460%, providing high levels of optionality for capital deployment.
Long-Term Care Reinsurance Transactions
Successfully announced two long-term care transactions removing 20% of the risk of the block at favorable economic terms, releasing significant capital.
Positive Premium Growth
Core operations achieved a premium growth rate of over 4%, with sales in the Unum U.S. segment slightly increasing by approximately 1% year-over-year.
Voluntary Benefits Sales Surge
Strong voluntary benefits sales growth reported, contributing to achieving sales goals for 2025, with significant increases across all segments.
Robust International Performance
Premium income for Unum International increased by 7% year-over-year, including 18% growth in Unum Poland.
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 29, 2025 | $79.24 | $77.66 | -1.99% |
Feb 04, 2025 | $75.55 | $77.31 | +2.33% |
Oct 29, 2024 | $60.96 | $63.69 | +4.48% |
Jul 30, 2024 | $53.34 | $56.53 | +5.98% |
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 Jul 29, 2025, TBA Not Confirmed.
What is Unum Group (UNM) earnings time?
Unum Group (UNM) earnings time is at Jul 29, 2025, TBA Not 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 (Q2) is 2.25.