Feb 06, 2:20 PMUnum Group misses with Q4 2025 results as non-GAAP EPS $1.92 (-5% YoY) on flat $3.2B revenue and GAAP net income falls to $174.1M on higher benefit costs and pension charges; resets EPS base, guides to 8–12% EPS and 4–7% premium growth in 2026, and—despite Q4 volatility—expects its group disability benefit ratio to run 62–64% near term and trend toward ~65% over coming cycles.
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.
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