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Compared to Estimates, Unum (UNM) Q3 Earnings: A Look at Key Metrics
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Unum (UNM - Free Report) reported $3.4 billion in revenue for the quarter ended September 2026, representing a year-over-year increase of 0.7%. EPS of $2.20 for the same period compares to $2.09 a year ago.
The reported revenue represents a surprise of +14.98% over the Zacks Consensus Estimate of $2.96 billion. With the consensus EPS estimate being $2.18, the EPS surprise was +0.92%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Unum performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Other Expense Ratio - Unum US Group Life and Accidental Death & Dismemberment: 12.3% compared to the 12.4% average estimate based on three analysts.
Other Expense Ratio - Colonial Life Segment: 20% versus 20.1% estimated by three analysts on average.
Benefit Ratio - Colonial Life Segment: 38% compared to the 47.8% average estimate based on three analysts.
Other Expense Ratio - Unum US Supplemental and Voluntary: 21% versus the three-analyst average estimate of 21.7%.
Revenue- Premium Income: $2.8 billion versus the four-analyst average estimate of $2.62 billion. The reported number represents a year-over-year change of +4.2%.
Revenue- Other income: $77.4 million compared to the $69.1 million average estimate based on four analysts. The reported number represents a change of -9.6% year over year.
Revenue- Net investment income: $522.4 million versus the four-analyst average estimate of $264.31 million. The reported number represents a year-over-year change of +9.6%.
Adjusted Operating Revenue- Unum US Group Disability- Total: $956.7 million versus the three-analyst average estimate of $959.88 million. The reported number represents a year-over-year change of +4.1%.
Adjusted Operating Revenue- Unum US Group Life and Accidental Death & Dismemberment- Total Premium Income: $551.4 million compared to the $545.08 million average estimate based on three analysts. The reported number represents a change of +6.6% year over year.
Adjusted Operating Revenue- Unum US Group Life and Accidental Death & Dismemberment- Net Investment Income: $24.9 million versus $23.11 million estimated by three analysts on average. Compared to the year-ago quarter, this number represents a +17.5% change.
Adjusted Operating Revenue- Unum US Group Life and Accidental Death & Dismemberment- Total: $576.3 million compared to the $568.58 million average estimate based on three analysts. The reported number represents a change of +6.9% year over year.
Adjusted Operating Revenue- Unum US Group Disability- Other Income: $60.4 million versus $61.16 million estimated by three analysts on average. Compared to the year-ago quarter, this number represents a +2.7% change.
Shares of Unum have returned +1.2% over the past month versus the Zacks S&P 500 composite's -2.3% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
View the Zacks #1 Rank List
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Compared to Estimates, Unum (UNM) Q3 Earnings: A Look at Key Metrics
Unum (UNM - Free Report) reported $3.4 billion in revenue for the quarter ended September 2026, representing a year-over-year increase of 0.7%. EPS of $2.20 for the same period compares to $2.09 a year ago.
The reported revenue represents a surprise of +14.98% over the Zacks Consensus Estimate of $2.96 billion. With the consensus EPS estimate being $2.18, the EPS surprise was +0.92%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Unum performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:View all Key Company Metrics for Unum here>>>
Shares of Unum have returned +1.2% over the past month versus the Zacks S&P 500 composite's -2.3% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.