Unum Group Reports Q4 2025 Results and 2026 Outlook
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Unum Group ( (UNM) ) has provided an announcement.
On February 5, 2026, Unum Group reported fourth-quarter 2025 net income of $174.1 million, down from $348.7 million a year earlier, while after-tax adjusted operating income reached $322.3 million, reflecting higher benefits expenses and several one-time items, including pension-related settlement losses and reinsurance amortization. For full-year 2025, the company delivered 3.7% core operations premium growth on a constant-currency basis and a 20.5% adjusted operating return on equity, supported by a strong balance sheet with $2.3 billion in holding company liquidity and a risk-based capital ratio of about 440%, enabling $1.3 billion in capital returns to shareholders and book value per share growth. Segment results were mixed, with Unum US adjusted operating income falling 13.1% as group disability earnings were pressured by higher benefit ratios and lower investment income, while group life and AD&D posted higher operating income on premium growth and improved claims experience, underscoring both the earnings sensitivity to claims trends and the resilience of the broader franchise. The company also published a 2026 outlook slide deck alongside these results and indicated that positive business trends are expected to continue, guiding to 4–7% core premium growth and higher adjusted operating earnings per share in 2026, signaling confidence in ongoing growth and value creation despite recent claims cost headwinds.
The most recent analyst rating on (UNM) stock is a Hold with a $87.00 price target. To see the full list of analyst forecasts on Unum Group stock, see the UNM Stock Forecast page.
Spark’s Take on UNM Stock
According to Spark, TipRanks’ AI Analyst, UNM is a Neutral.
Unum Group’s overall stock score is primarily influenced by stable financial performance and strategic corporate events. However, technical indicators suggest bearish momentum, and challenges in profitability and cash flow generation weigh on the score.
To see Spark’s full report on UNM stock, click here.
More about Unum Group
Unum Group is a U.S.-based insurance provider focused on employee benefits, including group disability, life, accidental death and dismemberment, and supplemental and voluntary products, with a core presence in workplace-based coverage and related financial protection services.
Average Trading Volume: 1,318,239
Technical Sentiment Signal: Strong Buy
Current Market Cap: $12.88B
For a thorough assessment of UNM stock, go to TipRanks’ Stock Analysis page.
