Unum Q3 adjusted EPS $2.09 vs $2.13 YoY; LTC reserve hike $378M

Unum Group

2025-Q3 EPS reported $3.23 revenue$9,831,400,000

After-tax adjusted operating income $357.1M ($2.09 diluted EPS), down from $398.0M ($2.13) in Q3 2024.
GAAP reserve assumption updates added after-tax net reserve increase of $377.8M, primarily from long-term care.
Holding company liquidity $2.0B, RBC ratio ~455%; returned $980M YTD with $250M share repurchases in Q3.
Premium growth 2.9% constant currency; adjusted operating ROE 21.4%.
Segment: Unum US adj op down 7.8%; Colonial Life up 2.8%; Unum International down 3.7%.

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