Compared to Estimates, Unum (UNM) Q4 Earnings: A Look at Key Metrics

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Compared to Estimates, Unum (UNM) Q4 Earnings: A Look at Key Metrics

For the quarter ended December 2025, Unum (UNM) reported revenue of $3.23 billion, up 0.2% over the same period last year. EPS came in at $1.92, compared to $2.03 in the year-ago quarter.

The reported revenue represents a surprise of -1.13% over the Zacks Consensus Estimate of $3.27 billion. With the consensus EPS estimate being $2.11, the EPS surprise was -9.07%.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how Unum performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: Benefit Ratio - Unum US Group Life and Accidental Death & Dismemberment: 64.8% compared to the 69.7% average estimate based on four analysts. Benefit Ratio - Colonial Life Segment: 48.3% compared to the 47.9% average estimate based on four analysts. Other Expense Ratio - Unum US Supplemental and Voluntary: 22.6% compared to the 22.5% average estimate based on four analysts. Other Expense Ratio - Unum US Group Life and Accidental Death & Dismemberment: 12.3% versus 12.1% estimated by four analysts on average. Revenue- Other income: $80.1 million versus the six-analyst average estimate of $78.22 million. The reported number represents a year-over-year change of +11.3%. Revenue- Net investment income: $482 million compared to the $493.1 million average estimate based on six analysts. The reported number represents a change of -11.3% year over year. Revenue- Premium Income: $2.69 billion versus $2.7 billion estimated by six analysts on average. Compared to the year-ago quarter, this number represents a +2.3% change. Adjusted Operating Revenue- Corporate Segment- Net investment income: $17.9 million compared to the $22.05 million average estimate based on five analysts. The reported number represents a change of +29.7% year over year. Adjusted Operating Revenue- Closed Block Segment- Net Investment Income: $237.6 million compared to the $232.62 million average estimate based on five analysts. The reported number represents a change of -20.1% year over year. Adjusted Operating Revenue- Colonial Life Segment- Net Investment Income: $43.5 million versus the five-analyst average estimate of $44.48 million. The reported number represents a year-over-year change of +3.3%. Adjusted Operating Revenue- Unum International Segment- Net Investment Income: $34.7 million versus $36.94 million estimated by five analysts on average. Compared to the year-ago quarter, this number represents a +1.2% change. Adjusted Operating Revenue- Unum US Segment- Other Income: $63.4 million compared to the $60.92 million average estimate based on five analysts. The reported number represents a change of +11.2% year over year.

View all Key Company Metrics for Unum here>>>

Shares of Unum have returned -1.8% over the past month versus the Zacks S&P 500 composite's +0.5% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.

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