Unum Group, along with its various subsidiaries, specializes in delivering financial protection benefits, primarily operating across the United States, the United Kingdom, ...
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Est. EPS $2.23
Est. EPS $8.67 · Revenue $11.81B · 8 analysts
Est. EPS $2.41 · Revenue $3.11B · 2 analysts
Est. EPS $2.46 · Revenue $3.14B · 2 analysts
$1.89 per share
$1.89 per share
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $13.1B | +2.1% | -1.9% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $738.5M | -58.5% | +10.7% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +38.2% | +3.0% | -2.7% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +7.2% | -59.4% | +11.0% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +5.7% | -59.3% | +12.9% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $555.4M | -60.0% | +57.5% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +4.3% | -60.8% | +60.5% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 35.1% | -0.4% | +0.8% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | — | — | -12.9% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $64.1B | +2.8% | +1.2% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 4.28 vs 8.32 | -48.5% | 1.61 vs 2.41 | -33.3% |
| Revenue Surprise | $13.1B vs $13.2B | -1.2% | $3.3B vs $3.1B | +5.7% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Jul 31, 2026 | Walker Andrew D | officer: EVP, Chief Cust. Ops. Officer | Common Stock | D | 1,819 | $86.11 |
| Jun 22, 2026 | Walker Andrew D | officer: EVP, Chief Cust. Ops. Officer | Common Stock | — | 0 | — |
| May 26, 2026 | O HANLEY RONALD P | director | Common Stock | A | 1,777 | — |
| May 26, 2026 | O HANLEY RONALD P | director | Common Stock | A | 2,191 | — |
| May 26, 2026 | Matus Kristi Ann | director | Common Stock | A | 2,191 | — |
Operator: Thank you for standing by. My name is Kate, and I'll be your conference operator today. At this time, I would like to welcome everyone to the Unum Group Q2 2026 Earnings Conference Call. I would now like to turn the call over to Matt Royal, Investor Relations. Please go ahead. J. Royal: Thank you, and good morning. Welcome to Unum Group's Second Quarter 2026 Earnings Call. Please note, today's call may include forward-looking statements, and actual results may differ materially, and we are not obligated to update any of these statements. Please refer to our earnings release and our periodic filings with the SEC for a brief description of factors that could cause actual results to differ from expected results. Yesterday afternoon, we released our second quarter earnings results and financial supplement. Those materials are available on the Investors section of our website. Also, please note, as usual, references made today to corporation sales and premium, including Unum International, are presented on a constant currency basis for improved comparability period to period. Participating in this morning's conference call are Unum's President and CEO, Rick McKenney; and CFO, Steve Zabel. Following the remarks from Rick and Steve, additional members of management will participate in Q&A, including Chris Pyne, who leads our Group Benefits Business; Mark Till, who oversees Unum International; and Steve Jones, who we welcome for his first earnings call as President of Colonial Life. Now let me turn the call over to Rick. Richard McKenney: Thank you, Matt. Good morning, everyone, and thank you for joining us. It's good to be back with you just a few weeks after the call to announce our latest transaction in our Closed Block. As we discussed then, the agreement to reinsure an additional $3.8 billion of long-term care reserves represents another meaningful step in our deliberate approach to reducing risk and actively managing the Closed Block. We will provide more detail on that later in the call, but today, our focus on the second quarter results. First half performance and trending and outlook of our core employee benefits franchise. It is consistently a franchise that generates attract returns, delivers free cash flow and creates long-term value for our shareholders. With that as context, let me turn to the second quarter. We delivered a solid second quarter, one that demonstrates the breadth of our diversified employee benefits offerings. A key tenet of that is continuing to be a consistent partner for employers and their employees as their employee benefits needs continue to evolve. The quarter reflected continued attractive returns, generally stable persistency and favorable performance across several of our core businesses. Starting with the top line, we saw continued underlying premium growth of roughly 5%. Across the board, we saw good persistency, which has been true throughout this year as our customer centricity and connectivity has …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
Richard Paul McKenney | President, Chief Executive Officer & Director | USD 13,728,699 | Male | 1969 | Active |
Steven Andrew Zabel | Executive Vice President & Chief Financial Officer | USD 3,826,831 | Male | 1969 | Active |
Christopher Wallace Pyne | Executive Vice President of Group Benefits | USD 2,251,713 | Male | 1970 | Active |
Lisa Gonzalez Iglesias | Executive Vice President & General Counsel | USD 2,232,337 | Female | 1966 | Active |
Timothy Gerald Arnold | Executive Vice President of Voluntary Benefits & President of Colonial Life | USD 2,054,034 | Male | 1963 | Active |
Shelia Anderson | Executive VP and Chief Information & Digital Officer | USD 1,257,663 | Female | 1965 | Active |
Stephen J. Mitchell | Senior Vice President & President of Closed Block | — | Male | — | Active |
J. Matthew Royal | Senior Vice President of Investor Relations & Treasury | — | Male | — | Active |
Marco Forato | Senior Vice President & Chief Strategy Officer | — | Male | — | Active |
Walter Lynn Rice Jr. | Senior Vice President & Chief Accounting Officer | — | Male | 1971 | Active |
Joseph Richard Foley | Senior Vice President of Corporate Marketing & Public Relations | — | Male | 1956 | Active |
Elizabeth A. Claire Ahmed | Executive Vice President of People & Communications | — | Female | 1975 | Active |
On August 03, 2026, Unum Group (UNM) shares rose 4.7% today, bringing the current price to $90.11. The stock has experienced a 52-week range of $68.28 to $93.22
Unum Group NYSE: UNM reported second-quarter after-tax adjusted operating earnings per share of $2.16, up 4.9% from a year earlier, while year-to-date adjusted operating EPS rose 7.5%. The insurer reaffirmed its full-year adjusted operating EPS outlook of $8.60 to $8.90 despite pressure in paid family and medical leave business in the United States and group income protection in the United Kingdom.
On July 29, 2026, Unum Group (UNM) shares fell 4.9% to a current price of $83.63. The stock has seen a 52-week range between $68.28 and $93.22, reflecting recen
Unum Group (UNM) Q2 2026 Earnings Call Transcript
Unum's Q2 results benefits from premium growth and strong core business performance, though lower investment income and higher costs weigh on earnings.
