Unum (UNM) reported $3.38 billion in revenue for the quarter ended June 2025, representing a year-over-year increase of 4.2%. EPS of $2.07 for the same period compares to $2.16 a year ago.
The reported revenue represents a surprise of +1.72% over the Zacks Consensus Estimate of $3.32 billion. With the consensus EPS estimate being $2.23, the EPS surprise was -7.17%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Unum performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Benefit Ratio - Unum US Group Life and Accidental Death & Dismemberment: 69.7% compared to the 68.1% average estimate based on four analysts.
- Benefit Ratio - Colonial Life Segment: 48.3% compared to the 48.3% average estimate based on four analysts.
- Other Expense Ratio - Unum US Supplemental and Voluntary: 21.6% versus the four-analyst average estimate of 21.7%.
- Other Expense Ratio - Unum US Group Life and Accidental Death & Dismemberment: 12.2% compared to the 12.2% average estimate based on four analysts.
- Revenue- Other income: $70.4 million compared to the $73.79 million average estimate based on seven analysts. The reported number represents a change of -1.5% year over year.
- Revenue- Net investment income: $560.7 million compared to the $523.96 million average estimate based on seven analysts. The reported number represents a change of +2.9% year over year.
- Revenue- Premium Income: $2.75 billion versus the seven-analyst average estimate of $2.72 billion. The reported number represents a year-over-year change of +4.6%.
- Adjusted Operating Revenue- Corporate Segment- Net investment income: $32.3 million versus the five-analyst average estimate of $19.28 million. The reported number represents a year-over-year change of +125.9%.
- Adjusted Operating Revenue- Closed Block Segment- Net Investment Income: $284.5 million versus the five-analyst average estimate of $279.64 million. The reported number represents a year-over-year change of -3.3%.
- Adjusted Operating Revenue- Colonial Life Segment- Net Investment Income: $42.6 million versus the five-analyst average estimate of $42.86 million. The reported number represents a year-over-year change of +5.2%.
- Adjusted Operating Revenue- Unum International Segment- Net Investment Income: $46.2 million versus $32.98 million estimated by five analysts on average. Compared to the year-ago quarter, this number represents a +21.6% change.
- Adjusted Operating Revenue- Unum US Segment- Other Income: $58 million compared to the $60.5 million average estimate based on five analysts. The reported number represents a change of -0.3% year over year.
View all Key Company Metrics for Unum here>>>
Shares of Unum have returned -0.8% over the past month versus the Zacks S&P 500 composite's +3.6% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Unum Group (UNM): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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