---
schema_version: "secwatch.filing_event.v1"
accession: "0000005513-26-000002"
form_type: "8-K"
ticker: "UNM"
cik: "0000005513"
company_name: "Unum Group"
filed_at: "2026-02-05T23:59:59+00:00"
generated_at: "2026-05-16T04:38:17.463771+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Unum Q4 adj EPS $1.92; 2026 outlook $8.60-$8.90 on core premium growth 4-7%

## Summary
- Net income $174.1M ($1.04 diluted) vs $348.7M ($1.92) year ago; includes $82M after-tax pension settlement loss and $15.8M charitable contribution.
- After-tax adjusted operating income $322.3M ($1.92 per share); core operations premium grew 3.7% constant currency.
- Returned ~$1.3B to shareholders in 2025 via $1.0B buybacks and $307M dividends; RBC ratio 440%, holding company liquidity $2.3B.
- 2026 outlook: core premium growth 4-7%, after-tax adjusted operating EPS $8.60-$8.90 under new definition excluding Closed Block segment.
- Unum US adj op income down 13.1%, Colonial Life down 7.2%, Unum International down 11.7% vs year-ago quarter.

## SEC filing metadata
- accession: 0000005513-26-000002
- form_type: 8-K
- ticker: UNM
- cik: 0000005513
- company_name: Unum Group
- filed_at: 2026-02-05T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/5513/000000551326000002/0000005513-26-000002-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/5513/000000551326000002/unm-20260205.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000005513-26-000002
- JSON: https://secwatch.observer/filing/0000005513-26-000002.json
- Plain text: https://secwatch.observer/filing/0000005513-26-000002.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.