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Dec 31, 2025
Unum Q4 2025 Earnings Report
Unum reported lower net income year over year but delivered solid adjusted operating results and maintained strong capital levels.
Key Takeaways
Unum delivered Q4 2025 net income of $174.1 million, impacted by pension settlement and other non-recurring items, while after-tax adjusted operating income remained strong at $322.3 million, supported by stable premium growth and a robust balance sheet.
Net income declined year over year due to significant non-recurring charges
Adjusted operating income remained resilient despite higher benefit expenses
Premium income grew modestly across core segments
Capital position and liquidity remained very strong exiting 2025
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Management expects continued positive business trends in 2026, driven by premium growth and disciplined capital management.
Positive Outlook
- Expected premium growth of 4% to 7%
- Strong capital and liquidity position
- Improving risk profile following Closed Block actions
- Continued investment in digital capabilities
- Attractive shareholder returns outlook
Challenges Ahead
- Elevated benefit expenses remain a risk
- Closed Block earnings volatility
- Sensitivity to interest rate movements
- Exposure to macroeconomic conditions
- Foreign currency fluctuations impacting international results
Historical Earnings Impact
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Avg. Return Before/After Earnings
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