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Invest in UNM
$79.28
+0.85 (+1.08%)
At Close: Jun 20, 2025
Unum Group Earnings Calls
Mar 31, 2025
$2.04 (-6.85%)
| Release date | Apr 29, 2025 |
| EPS estimate | $2.19 |
| EPS actual | $2.04 |
| EPS Surprise | -6.85% |
| Revenue estimate | 3.341B |
| Revenue actual | 3.092B |
| Revenue Surprise | -7.46% |
Dec 31, 2024
$2.03 (-5.14%)
| Release date | Feb 04, 2025 |
| EPS estimate | $2.14 |
| EPS actual | $2.03 |
| EPS Surprise | -5.14% |
| Revenue estimate | 3.288B |
| Revenue actual | 3.205B |
| Revenue Surprise | -2.51% |
Sep 30, 2024
$2.13 (1.43%)
| Release date | Oct 29, 2024 |
| EPS estimate | $2.10 |
| EPS actual | $2.13 |
| EPS Surprise | 1.43% |
| Revenue estimate | 3.259B |
| Revenue actual | 3.202B |
| Revenue Surprise | -1.75% |
Jun 30, 2024
$2.16 (6.93%)
| Release date | Jul 30, 2024 |
| EPS estimate | $2.02 |
| EPS actual | $2.16 |
| EPS Surprise | 6.93% |
| Revenue estimate | 3.234B |
| Revenue actual | 3.234B |
| Revenue Surprise | 0.0096% |
Last 4 Quarters for Unum Group
Below you can see how UNM performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
Jun 30, 2024
Beat
| Release date | Jul 30, 2024 |
| Price on release | $54.28 |
| EPS estimate | $2.02 |
| EPS actual | $2.16 |
| EPS surprise | 6.93% |
| Date | Price |
|---|---|
| Jul 24, 2024 | $53.58 |
| Jul 25, 2024 | $53.38 |
| Jul 26, 2024 | $53.24 |
| Jul 29, 2024 | $53.52 |
| Jul 30, 2024 | $54.28 |
| Jul 31, 2024 | $57.53 |
| Aug 01, 2024 | $56.56 |
| Aug 02, 2024 | $53.90 |
| Aug 05, 2024 | $52.81 |
| 4 days before | 1.31% |
| 4 days after | -2.71% |
| On release day | 5.99% |
| Change in period | -1.44% |
Sep 30, 2024
Beat
| Release date | Oct 29, 2024 |
| Price on release | $61.63 |
| EPS estimate | $2.10 |
| EPS actual | $2.13 |
| EPS surprise | 1.43% |
| Date | Price |
|---|---|
| Oct 23, 2024 | $63.43 |
| Oct 24, 2024 | $63.34 |
| Oct 25, 2024 | $61.67 |
| Oct 28, 2024 | $61.85 |
| Oct 29, 2024 | $61.63 |
| Oct 30, 2024 | $64.39 |
| Oct 31, 2024 | $64.18 |
| Nov 01, 2024 | $64.12 |
| Nov 04, 2024 | $64.08 |
| 4 days before | -2.84% |
| 4 days after | 3.98% |
| On release day | 4.48% |
| Change in period | 1.02% |
Dec 31, 2024
Missed
| Release date | Feb 04, 2025 |
| Price on release | $75.95 |
| EPS estimate | $2.14 |
| EPS actual | $2.03 |
| EPS surprise | -5.14% |
| Date | Price |
|---|---|
| Jan 29, 2025 | $77.30 |
| Jan 30, 2025 | $77.01 |
| Jan 31, 2025 | $76.25 |
| Feb 03, 2025 | $76.23 |
| Feb 04, 2025 | $75.95 |
| Feb 05, 2025 | $77.72 |
| Feb 06, 2025 | $76.67 |
| Feb 07, 2025 | $76.95 |
| Feb 10, 2025 | $76.55 |
| 4 days before | -1.75% |
| 4 days after | 0.790% |
| On release day | 2.33% |
| Change in period | -0.97% |
Mar 31, 2025
Missed
| Release date | Apr 29, 2025 |
| Price on release | $79.24 |
| EPS estimate | $2.19 |
| EPS actual | $2.04 |
| EPS surprise | -6.85% |
| Date | Price |
|---|---|
| Apr 23, 2025 | $78.70 |
| Apr 24, 2025 | $79.34 |
| Apr 25, 2025 | $78.47 |
| Apr 28, 2025 | $79.05 |
| Apr 29, 2025 | $79.24 |
| Apr 30, 2025 | $77.66 |
| May 01, 2025 | $77.43 |
| May 02, 2025 | $79.61 |
| May 05, 2025 | $78.66 |
| 4 days before | 0.686% |
| 4 days after | -0.732% |
| On release day | -1.99% |
| Change in period | -0.0508% |
Unum Group Earnings Call Transcript Summary of Q1 2025
Unum Group Q1 2025 Earnings Call Summary for Investors:
- Financial Overview:
- Unum reported a Q1 2025 earnings per share (EPS) of $2.04, slightly below expectations due to higher disability claims.
- Core operations showed strong performance with a return on equity (ROE) exceeding 20% and a premium growth rate of over 4%.
- Adjusted operating income was $466.8 million, down 3.8% from the previous year.
- Market Dynamics:
- Despite economic volatility and rising interest rates, Unum believes it can maintain growth and margin stability.
- The first quarter saw stable employment levels and wage growth, supporting client growth and retention.
- Claims and Recoveries:
- There was an uptick in both short-term and long-term disability claims incidence early in Q1, but it has since stabilized.
- Unum does not expect the elevated claims trends to indicate a long-term shift, as recovery rates remain strong.
- Sales Performance:
- Sales in Q1 2025 were comparable to those in the previous year, with notable growth in voluntary benefit sales.
- The company reaffirmed its full-year sales growth outlook of 6% to 10% across core operations.
- Capital Position:
- Record holding company liquidity of $2.2 billion was reported, along with a robust risk-based capital (RBC) ratio of 460%.
- The company authorized a $200 million share buyback in Q1, with plans to increase return to shareholders through dividends as well.
- Segments Performance:
- Unum U.S.: Adjusted operating income decreased by 14.6% to $329.1 million, while sales showed 1% year-over-year growth.
- Unum International: Adjusted operating income increased slightly. Growth in Poland outpaced the UK, which faced some challenges.
- Colonial Life: Adjusted operating income rose to $115.7 million, with premium growth of 2.3% and positive sales trends.
- Long-term Care (LTC) Management:
- Performance in LTC showed pressure from lower returns on alternative assets and elevated claims experiences, yet the company remains committed to proactive management.
- A recent reinsurance transaction is expected to enhance capital and risk management perspectives within the LTC segment.
- Technology and Sustainability:
- Investments in digital capabilities, particularly in leave management and HR platforms, are anticipated to improve customer engagement and persistency, supporting future growth.
- Outlook:
- The management remains confident in its ability to execute against its strategic growth plans despite economic uncertainties, with continued investments in operations and an optimistic sales pipeline.
This summary encapsulates the key points from Unum Group's Q1 2025 earnings call, highlighting financial performance, market conditions, segment insights, and strategic future directions relevant for potential and current investors.
Unum Group Earnings History
Earnings Calendar
FAQ
When is the earnings report for UNM?
Unum Group (UNM) has scheduled its earnings report for Jul 29, 2025 before the markets open.
What is the UNM price-to-earnings (P/E) ratio?
UNM P/E ratio as of Jun 20, 2025 (TTM) is 8.89.
What is the UNM EPS forecast?
The forecasted EPS (Earnings Per Share) for Unum Group (UNM) for the first fiscal quarter 2025 is $2.25.
What are Unum Group's retained earnings?
On its balance sheet, Unum Group reported retained earnings of $3.09 billion for the latest quarter ending Mar 31, 2025.
What Is an Earnings Report?
An earnings report is usually issued quarterly (Q1, Q2, Q3 & Q4) by public companies to report their performance. Earnings reports typically include net income, earnings per share, earnings from continuing operations, and net sales. Looking at the earnings report investors can start gauge the financial health of the company and make even better decisions whether to buy, sell, or stay in the company. Fundamental analysts and value investors will typically hunt for stocks that continue to show good financial ratios and use a decline as an exit point. One of the most anticipated numbers for analysis is earnings per share because it indicates how much the company earned for its shareholders. The report will also indicate a possible dividend.
Earnings Report Content
Earnings reports generally provide an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. These figures are typically measured against previous quarters/years. Furthermore, the earnings report usually includes a summary and analysis from the CEO or company spokesman, alongside a more general view of the financials and future forecast.
What To Know About Earnings Reports?
Announcement of earnings for a stock, particularly for well followed large-capitalization stocks, can move the market. Stock prices can fluctuate wildly on days when the quarterly earnings report is released. Despite good reports, stocks may very well fall if the investors were expecting more or they believe the next quarter will not be as good. Investors always try to be ahead of the market and future earnings/losses are often discounted into the current price of the stock. It is natural for stocks to start to move in either direction a few days before the release of an earnings report.
