Unum

Unum Group is engaged in providing financial protection benefits. It operates through the following segments: Unum US, Unum International, Colonial Life, Closed Block and Corporate. The Unum US segment consists of group long-term and short-term disability insurance, group life and accidental death and dismemberment products, and supplemental and voluntary lines of business. The Unum International segment engages in the operations of the UK business, which includes insurance for group long-term disability, group life, and supplemental lines of business that include dental, individual disability, and critical illness products and the Poland business, which includes insurance for individual and group life with accident and health riders. The Colonial Life segment includes insurance for accident, sickness, disability products, life products, and cancer and critical illness products. The Closed Block segment consists of individual disability, group and individual long-term care, and other insurance products no longer actively marketed. The Corporate segment refers to investment income on corporate assets and other corporate income and expenses not allocated to a line of business and interest expense on corporate debt other than non-recourse debt. The company was founded in 1848 and is headquartered in Chattanooga, TN.

Earnings data Q1 2021

Earnings data Q2 2021

Earnings data Q3 2021

Earnings data Q4 2021

Earnings data Q1 2022

Earnings data Q2 2022

Earnings data Q3 2022

Earnings data Q4 2022

Earnings data Q1 2023

Earnings data Q2 2023

Earnings data Q3 2023

Earnings data Q4 2023

Earnings data Q1 2024

Earnings data Q2 2024

Earnings data Q3 2024

Earnings data Q4 2024

Unum reports strong Q4 earnings, capital strength, growth opportunities

Unum delivered strong financial performance in Q4 2022, marked by increased net income and after-tax adjusted operating income, supported by healthy margins and sales growth.
The company's robust capital metrics, proactive risk management strategies, and stable profitability position it well for sustained success and resilience in the face of challenges.
While facing challenges such as claim size volatility and regulatory complexities, Unum can leverage growth opportunities in group insurance, sales drivers, and capital deployment to drive future profitability.
Overall, Unum's strategic focus on operational efficiency, profitability, and prudent risk management underscores its resilience and potential for long-term value creation for stakeholders.

Unum reports robust Q1 earnings, eyes growth amid challenges

Unum Group delivered a strong financial performance in Q1 2023, with significant increases in net income and adjusted operating income across key business segments.
The company showcased operational strengths in core business lines, competitive positioning, and sales momentum, positioning itself for future growth.
Challenges related to external factors, pricing dynamics, and risk management require strategic focus to sustain profitability and market leadership.
Opportunities in rising demand post-pandemic, overperformance in group disability, and technology investments offer avenues for growth and market expansion.

Unum reports robust Q2 earnings, focuses on growth strategies

Unum's Q2 2023 earnings call highlighted strong financial performance, strategic capital deployment plans, and a focus on addressing challenges in the long-term care segment. The company's robust sales growth, solid capital position, and investments in technology underscore its commitment to sustainable growth and shareholder value. Unum's proactive approach to managing risks and exploring growth opportunities positions it well for future success.

Unum reports mixed Q3 earnings, focuses on growth opportunities

Unum's Q3 2023 performance saw a decrease in net income but an increase in adjusted operating income, with strong premium growth and improved performance in key segments.
The company's capital position remained robust, and it aims to maintain shareholder value through efficient capital deployment and strategic adjustments.
While facing challenges in certain areas like group disability loss ratio and large case sales, Unum is optimistic about growth opportunities and accelerating momentum across all business lines.

Unum Group excels in Q4 2023, poised for growth

Unum Group's Q4 2023 performance reflected exceptional results, strong sales growth, and strategic focus on capital management and shareholder value enhancement.
While facing challenges in competitive markets and risk management, Unum's prudent strategies and customer-centric approach position it well for future growth and stability.
Opportunities in M&A, market transactions, and product innovation present avenues for Unum to further strengthen its market presence and drive sustainable long-term success.

Unum Group's Q1 2024 performance reflects strong earnings growth, operational resilience, and strategic focus on competitive pricing and business persistency.
While facing challenges in long-term care and group disability pricing, the company remains optimistic about future opportunities, supported by positive economic trends and diversified revenue streams.
Analysts' inquiries underscore areas of scrutiny, but Unum's disciplined underwriting, capital management, and growth strategies position it well for continued success in 2024.

Unum Group reports robust Q3 earnings, focuses on growth strategies

Unum Group's Q3 2024 earnings call showcased strong financial performance driven by adjusted EPS growth and robust premium increases across key business segments. While facing challenges in sales growth, the company's focus on operational efficiency and capital deployment highlights a path for sustained progress. With a strategic outlook towards organic growth and shareholder value enhancement, Unum remains positioned for future success.

Revenue

Cost of revenue

Gross profit

Operating expenses

SG&A

Other

Operating income

EBITDA

Net income

Earnings per share

Total assets

Current assets

Cash & equivalents

Receivables

Inventory

Non-current assets

Net PPE

Intangibles

Total liabilities

Current liabilities

Short term debt

Income tax payable

Non-current liabilities

Long-term debt

Total equity

Stockholders equity

Minority interest

Total liabilities & equity

Total debt

Net debt

Book value per share

Cash from operations

Funds from operations

Change in working capital

Cash from investing

Capital expenditure

Purchase/sale of investments

Purchase/sale of business

Other sources

Cash from financing

Change in stock

Change in debt

Cash dividends paid

Cash from other sources

Net change in cash

Free cash flow

Unum Group engages in the provision of financial protection benefits. Its services include disability, life, accident, critical illness, dental, vision, and other related services. It operates through the following segments: Unum US, Unum International, Colonial Life, Closed Block, and Corporate. The Unum US segment focuses on group disability, group life and accidental death and dismemberment products, and supplemental and voluntary lines of business. The Unum International segment engages in the operations of the UK business, which includes insurance for group long-term disability, group life, and supplemental lines of business that include dental, individual disability, and critical illness products. The Colonial Life segment includes insurance for accident, sickness, disability products, life products, and cancer and critical illness products. The Closed Block segment consists of individual disability, group and individual long-term care, and other insurance products no longer actively marketed. The Corporate segment refers to investment income on corporate assets and other corporate income and expenses not allocated to a line of business. The company was founded in 1848 and is headquartered in Chattanooga, TN.

Unum (UNM) came out with quarterly earnings of $1.79 per share, missing the Zacks Consensus Estimate of $1.86 per share. This compares to earnings of $1.43 per share a year ago.

Unum (UNM) Q4 Earnings Miss Estimates

Net income of $330.6 million ($1.69 per diluted common share) for the fourth quarter of 2023; after-tax adjusted operating income was $350.5 million ($1.79 per diluted common share). Results for the full year and fourth quarter reflect robust margins and growth momentum, supported by the favorable operating environment; full year core operations premium growth of 5.2 percent on a constant currency basis and full year after-tax adjusted operating earnings per share growth of 23.3 percent when comparing to historically reported 2022.

Unum Group Reports Fourth Quarter 2023 Results

Aflac

Employers Hlds

Trupanion

Lower claims frequency, moderate pricing and the adoption of technology are likely to boost the performance of the Zacks Accident and Health Insurance industry players like AFL, UNM, EIG and TRUP.

4 Accident & Health Insurers to Watch as Underwriting Exposure Increases

Unum Group's (UNM) fourth-quarter results are likely to reflect improved premiums and an increase in net investment income.

Will Unum Group's (UNM) Beat Streak Continue in Q4 Earnings?

Disney

Esperion Therapeutics

Invesco QQQ

SPDR S&P 500 ETF Trust

iShares 20+ Year Treasury Bond ETF

Consumer Staples Select Sector SPDR Fund

The stock market, as measured by the S&P 500 index SPX, has broken out strongly to the upside, trading at new intraday and closing highs. The breakout came on Jan. 19, over the 4,800 level.

This late-January stock-trading pattern has been a winner in 30 of the past 38 years

Looking beyond Wall Street's top -and-bottom-line estimate forecasts for Unum (UNM), delve into some of its key metrics to gain a deeper insight into the company's potential performance for the quarter ended December 2023.

Exploring Analyst Estimates for Unum (UNM) Q4 Earnings, Beyond Revenue and EPS

Unum (UNM) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Unum (UNM) Earnings Expected to Grow: Should You Buy?

In the latest trading session, Unum (UNM) closed at $46.67, marking a +1.3% move from the previous day.

Why Unum (UNM) Outpaced the Stock Market Today

Disciplined sales trends, strong persistency, an improving rate environment and favorable risk experience poise Unum (UNM) for growth.

Unum (UNM) Shares Gain 10% in a Year: More Room for Growth?

CHATTANOOGA, Tenn. , Jan. 12, 2024 /PRNewswire/ -- Effective January 12, 2024, the Unum Group (NYSE:UNM) Board of Directors declared a quarterly dividend of $0.365 per share on its common stock to be paid February 16, 2024, to stockholders of record as of January 26, 2024.

Unum Group declares quarterly dividend of $0.365 per share of its common stock

In the latest trading session, Unum (UNM) closed at $45.32, marking a -0.83% move from the previous day.

Unum (UNM) Falls More Steeply Than Broader Market: What Investors Need to Know

Unum (UNM) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report.

Why Unum (UNM) Could Beat Earnings Estimates Again

In the most recent trading session, Unum (UNM) closed at $46.25, indicating a +1.2% shift from the previous trading day.

Unum (UNM) Ascends While Market Falls: Some Facts to Note

CHATTANOOGA, Tenn. , Jan. 3, 2024 /PRNewswire/ -- Unum Group (NYSE: UNM) will release its fourth quarter 2023 results January 30, 2024, at approximately 4:15 p.m.

Unum Group to release Fourth Quarter 2023 results, provide 2024 outlook, and host conference call

Unum (UNM) closed the most recent trading day at $45.32, moving +1.27% from the previous trading session.

Unum (UNM) Exceeds Market Returns: Some Facts to Consider

Unum (UNM) closed the most recent trading day at $42.34, moving -0.42% from the previous trading session.

Unum (UNM) Sees a More Significant Dip Than Broader Market: Some Facts to Know

Employee benefits leader offers compelling destination for IT talent CHATTANOOGA, Tenn. , Dec. 6, 2023 /PRNewswire/ --  Unum Group (NYSE: UNM), a leading provider of employee benefits, was awarded three coveted technology awards for innovation and named one of America's Most Innovative Companies by Forbes earlier in the year.

Unum Group Wins Top Technology Innovation Awards

CHATTANOOGA, Tenn. , Nov. 28, 2023 /PRNewswire/ -- Unum Group (NYSE: UNM) announced today that its financial strength and debt ratings have been upgraded by Fitch Ratings.

Unum Group receives credit ratings upgrades from Fitch Ratings based on strong financial position

CHATTANOOGA, Tenn. , Nov. 27, 2023 /PRNewswire/ -- Unum Group's (NYSE: UNM)  President & CEO, Rick McKenney along with EVP and CFO, Steve Zabel, will represent the company at Goldman Sachs 2023 Financial Services Conference.

Unum Group to present at Goldman Sachs 2023 Financial Services Conference

Cheche Group Inc

Green Dot

James River Group Holdings

The most oversold stocks in the financial sector presents an opportunity to buy into undervalued companies.

Top 4 Financial Stocks You'll Regret Missing This Month - Green Dot (NYSE:GDOT), Cheche Group (NASDAQ:CCG)

AMERISAFE

Higher claims frequency leading to upward pricing pressure coupled with the adoption of technology is likely to boost the performance of the Zacks Accident and Health Insurance industry players like AFL, UNM, EIG and AMSF.

4 Accident & Health Insurance Stocks to Watch Despite Pricing Pressure (Revised)

4 Accident & Health Insurance Stocks to Watch Despite Pricing Pressure

Whether you're a value, growth, or momentum investor, finding strong stocks becomes easier with the Zacks Style Scores, a top feature of the Zacks Premium research service.

Unum (UNM) is a Top-Ranked Growth Stock: Should You Buy?

Unum Group (UNM) Q3 results reflect a continued strong operating performance, favorable claim incidence, premium growth and increased sales in the Colonial Life segment, partially offset by higher expenses.

Unum Group (UNM) Q3 Earnings Top Estimates on Higher Premium

Unum Group - 6.25% NT REDEEM 15/06/2058 USD 25

Unum Group (NYSE:UNM ) Q3 2023 Earnings Conference Call November 1, 2023 8:00 AM ET Company Participants Matt Royal - Senior Vice President, Investor Relations Richard McKenney - President and Chief Executive Officer Steven Zabel - Executive Vice President and Chief Financial Officer Michael Simonds - Executive Vice President and Chief Operating Officer Timothy Arnold - Executive Vice President, Voluntary Benefits and President-Colonial Life Mark Till - Executive Vice President, and Chief Executive Officer-Unum International Conference Call Participants Suneet Kamath - Jefferies Thomas Gallagher - Evercore ISI Joel Hurwitz - Dowling & Partners Ryan Krueger - KBW Alex Scott - Goldman Sachs Joshua Shanker - Bank of America Michael Ward - Citigroup Wilma Burdis - Raymond James Wesley Carmichael - Wells Fargo Jimmy Bhullar - JPMorgan Maxwell Fritscher - Truist Securities Operator Good morning. My name is Brianna and I will be your conference operator today.

News for Unum Stock (UNM)