We use cookies to understand how you use our site and to improve your experience.
This includes personalizing content and advertising.
By pressing "Accept All" or closing out of this banner, you consent to the use of all cookies and similar technologies and the sharing of information they collect with third parties.
You can reject marketing cookies by pressing "Deny Optional," but we still use essential, performance, and functional cookies.
In addition, whether you "Accept All," Deny Optional," click the X or otherwise continue to use the site, you accept our Privacy Policy and Terms of Service, revised from time to time.
You are being directed to ZacksTrade, a division of LBMZ Securities and licensed broker-dealer. ZacksTrade and Zacks.com are separate companies. The web link between the two companies is not a solicitation or offer to invest in a particular security or type of security. ZacksTrade does not endorse or adopt any particular investment strategy, any analyst opinion/rating/report or any approach to evaluating individual securities.
If you wish to go to ZacksTrade, click OK. If you do not, click Cancel.
Unum Group Gears Up to Report Q3 Earnings: Here's What to Expect
Read MoreHide Full Article
Key Takeaways
Unum Group's Q3 premiums likely rose on favorable persistency and improved sales across key segments.
Higher investment income and asset growth are expected to have supported overall performance.
Share buybacks and improved benefit experience may have contributed to stronger Q3 earnings.
Unum Group (UNM - Free Report) is expected to register an improvement in its top and bottom lines when it reports third-quarter 2025 results on Nov. 3, after the closing bell.
The Zacks Consensus Estimate for UNM’s third-quarter revenues is pegged at $3.30 billion, indicating 2.4% growth from the year-ago reported figure.
The consensus estimate for earnings is pegged at $2.16 per share. The estimate suggests a year-over-year increase of 1.4%.
What the Zacks Model Unveils for UNM
Our proven model does not conclusively predict an earnings beat for Unum Group this time around. A stock needs to have the right combination of a positive Earnings ESP and a Zacks Rank #1 (Strong Buy), 2 (Buy), or 3 (Hold) to beat earnings. However, this is not the case here, as you can see below:
Unum Group’s Earnings ESP: UNM has an Earnings ESP of -0.26% at present. This is because the Most Accurate Estimate of $2.15 is pegged lower than the Zacks Consensus Estimate of $2.16. You can uncover the best stocks to buy or sell before they’re reported with our Earnings ESP Filter.
Favorable persistency and better sales in the operating segments are likely to have favored premiums in the third quarter. The Zacks Consensus Estimate for premium income is pegged at $2.7 billion. We expect premium income to be $2.7 billion, suggesting a 2.3% increase from the year-ago quarter.
Higher miscellaneous investment income and an increase in the level of invested assets are likely to have supported higher net investment income. Our estimate for miscellaneous investment income is pegged at $531.8 million. The Zacks Consensus Estimate is pegged at $532 million, suggesting a 0.7% increase from the year-ago quarter.
The performance of Unum U.S. and Colonial Life — two of the largest operating segments — is likely to have been driven by higher premium income, favorable persistency, improved benefit experience across life, accident, sickness and disability product lines, favorable recoveries in long-term disability product line, and enhanced stop loss experience.
Better performance in life and group disability is likely to aid Unum U.S. results.
Our estimate for Unum U.S. operating revenues is pegged at $2 billion, while the same for Colonial Life is $485.4 million.
Unum International is expected to have benefited from the expansion of its in-force block, favorable recoveries in its group long-term disability product line, higher premium income, improved benefits experience and increased sales and persistency across both Unum International and Unum U.K. Our estimate for Unum International’s operating revenues is pegged at $291 million.
Expenses are likely to have increased because of higher policy benefits, commissions, interest and debt expense, amortization of deferred acquisition costs, and other expenses. We expect total benefits and expenses to be $2.8 billion.
Continued share buybacks are likely to have contributed to a boost in the bottom line.
Stocks to Consider
Some insurance stocks with the right combination of elements to deliver an earnings beat this time around are:
The Allstate Corporation (ALL - Free Report) has an Earnings ESP of +13.73% and carries a Zacks Rank of 3 at present. The Zacks Consensus Estimate for third-quarter 2025 earnings is pegged at $6.73 per share, implying an increase of 72.1% from the year-ago reported figure.
ALL’s earnings beat estimates in each of the last four quarters.
HCI Group, Inc. (HCI - Free Report) has an Earnings ESP of +87.40% and carries a Zacks Rank of 2 at present. The Zacks Consensus Estimate for third-quarter 2025 earnings is pegged at $2.35 per share, implying an increase of 400% from the year-ago reported figure.
HCI’s earnings beat estimates in each of the last four quarters.
Berkshire Hathaway Inc. (BRK.B - Free Report) has an Earnings ESP of +18.72% and carries a Zacks Rank of 3 at present. The Zacks Consensus Estimate for third-quarter 2025 earnings is pegged at $4.70 per share, implying an increase of 0.4% from the year-ago reported figure.
BRK.B’s earnings beat estimates in one of the last four quarters while missing in the other three.
See More Zacks Research for These Tickers
Normally $25 each - click below to receive one report FREE:
Image: Bigstock
Unum Group Gears Up to Report Q3 Earnings: Here's What to Expect
Key Takeaways
Unum Group (UNM - Free Report) is expected to register an improvement in its top and bottom lines when it reports third-quarter 2025 results on Nov. 3, after the closing bell.
The Zacks Consensus Estimate for UNM’s third-quarter revenues is pegged at $3.30 billion, indicating 2.4% growth from the year-ago reported figure.
The consensus estimate for earnings is pegged at $2.16 per share. The estimate suggests a year-over-year increase of 1.4%.
What the Zacks Model Unveils for UNM
Our proven model does not conclusively predict an earnings beat for Unum Group this time around. A stock needs to have the right combination of a positive Earnings ESP and a Zacks Rank #1 (Strong Buy), 2 (Buy), or 3 (Hold) to beat earnings. However, this is not the case here, as you can see below:
Unum Group’s Earnings ESP: UNM has an Earnings ESP of -0.26% at present. This is because the Most Accurate Estimate of $2.15 is pegged lower than the Zacks Consensus Estimate of $2.16. You can uncover the best stocks to buy or sell before they’re reported with our Earnings ESP Filter.
Unum Group Price and EPS Surprise
Unum Group price-eps-surprise | Unum Group Quote
Zacks Rank of Unum Group: UNM currently carries a Zacks Rank #3. You can see the complete list of today’s Zacks #1 Rank stocks here.
Factors Likely to Shape Q3 Results of UNM
Favorable persistency and better sales in the operating segments are likely to have favored premiums in the third quarter. The Zacks Consensus Estimate for premium income is pegged at $2.7 billion. We expect premium income to be $2.7 billion, suggesting a 2.3% increase from the year-ago quarter.
Higher miscellaneous investment income and an increase in the level of invested assets are likely to have supported higher net investment income. Our estimate for miscellaneous investment income is pegged at $531.8 million. The Zacks Consensus Estimate is pegged at $532 million, suggesting a 0.7% increase from the year-ago quarter.
The performance of Unum U.S. and Colonial Life — two of the largest operating segments — is likely to have been driven by higher premium income, favorable persistency, improved benefit experience across life, accident, sickness and disability product lines, favorable recoveries in long-term disability product line, and enhanced stop loss experience.
Better performance in life and group disability is likely to aid Unum U.S. results.
Our estimate for Unum U.S. operating revenues is pegged at $2 billion, while the same for Colonial Life is $485.4 million.
Unum International is expected to have benefited from the expansion of its in-force block, favorable recoveries in its group long-term disability product line, higher premium income, improved benefits experience and increased sales and persistency across both Unum International and Unum U.K. Our estimate for Unum International’s operating revenues is pegged at $291 million.
Expenses are likely to have increased because of higher policy benefits, commissions, interest and debt expense, amortization of deferred acquisition costs, and other expenses. We expect total benefits and expenses to be $2.8 billion.
Continued share buybacks are likely to have contributed to a boost in the bottom line.
Stocks to Consider
Some insurance stocks with the right combination of elements to deliver an earnings beat this time around are:
The Allstate Corporation (ALL - Free Report) has an Earnings ESP of +13.73% and carries a Zacks Rank of 3 at present. The Zacks Consensus Estimate for third-quarter 2025 earnings is pegged at $6.73 per share, implying an increase of 72.1% from the year-ago reported figure.
ALL’s earnings beat estimates in each of the last four quarters.
HCI Group, Inc. (HCI - Free Report) has an Earnings ESP of +87.40% and carries a Zacks Rank of 2 at present. The Zacks Consensus Estimate for third-quarter 2025 earnings is pegged at $2.35 per share, implying an increase of 400% from the year-ago reported figure.
HCI’s earnings beat estimates in each of the last four quarters.
Berkshire Hathaway Inc. (BRK.B - Free Report) has an Earnings ESP of +18.72% and carries a Zacks Rank of 3 at present. The Zacks Consensus Estimate for third-quarter 2025 earnings is pegged at $4.70 per share, implying an increase of 0.4% from the year-ago reported figure.
BRK.B’s earnings beat estimates in one of the last four quarters while missing in the other three.