NYSE$UNM

Unum Group · Q3 2023 earnings

Q3 2023 earnings · · Investor relations

Briefing

Unum Group reported strong Q3 2023 results driven by excellent execution and favorable market conditions.

Unum Group reported a net income of $202 million for Q3 2023. The results reflect continued strong execution, positive underlying trends, and a favorable environment, highlighted by robust disability margins and core operations premium growth. The company's capital deployment plans are on track and will accelerate in 2024.

  • Net income was $202.0 million ($1.02 per diluted common share) for Q3 2023; after-tax adjusted operating income was $381.7 million ($1.94 per diluted common share).
  • Core operations premium growth of 6.1 percent on a constant currency basis.
  • Holding company liquidity was $1.2 billion and weighted average risk-based capital ratio was approximately 470 percent.
  • New share repurchase authorization of $500 million beginning January 1, 2024.

Headline financials

Total Revenue

$3.09B

Previous: $2.96B+4.4%
EPS (adj)

$1.94

Previous: $1.51+28.5%
Shares Outstanding

195.0M

No prior period
RBC Ratio

470.0%

No prior period
Holding Co Liquidity

$1.2B

Previous: $1.08B+11.2%
Capital Expenditures

-$89.1M

Previous: -$70.8M-25.8%
Free Cash Flow

$113M

Previous: $340M-66.8%
Net Income

$202M

Previous: $411M-50.8%
Operating Income

$621M

Previous: $713M-12.9%
Gross Profit

$1.19B

Previous: $1.23B-3.7%
Cash & Equivalents

$166M

Previous: $143M+15.8%
Total Assets

$60B

Previous: $60.9B-1.5%

Revenue & EPS history

Unum · Revenue · Quarterly

$3.09B

Q3 2023+4.4%vs Q3 2022
Beat estimate in 6 of 15 quarters(40%)
ActualEstimate

Revenue by segment

Unum · $2.3B total across 3 segments · Q3 2023

  • Unum US
    $1.66B+6.3%
  • Colonial Life
    $431M+1.9%
  • Unum International
    $211M+21.5%

Forward guidance

Full-year 2023 outlook of an increase in after-tax adjusted operating income per share of 20 percent to 25 percent when comparing to historically reported 2022 results.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q3 2023

Historical avgQ3 2023

+0.0%

Avg return

Earnings day

-0.1%

Avg return

5 days after

+2.1%

Avg return

30 days after

53%

38 / 72 earnings

Positive

+12.6%

Q2 2022

Best reaction

-17.8%

Q1 2018

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+4.5%+3.0%+7.0%
Q4 2025-1.5%-5.6%-2.8%
Q3 2025+7.3%+7.2%+0.6%
Q1 2025-2.0%-0.7%+3.1%
Q4 2024+2.3%+0.8%+4.1%
Q3 2024+4.1%+3.7%+24.6%
Q2 2024+7.5%+0.7%+3.3%
Q1 2024+1.7%+1.2%+3.9%
Q4 2023+2.9%+0.7%+5.2%
Q3 2023-12.9%-10.6%-11.8%
Q2 2023+1.2%+3.5%+1.2%
Q1 2023+4.9%+5.6%+3.9%
Q4 2022+5.4%+1.1%+9.4%
Q3 2022-1.5%-1.0%-8.0%
Q2 2022+12.6%+12.5%+18.8%
Q1 2022+12.2%+9.0%+12.1%
Q4 2021+1.5%+6.9%+12.6%
Q3 2021-0.0%+0.4%-12.3%
Q2 2021-8.7%-2.1%-2.5%
Q1 2021+4.4%+5.4%+9.2%
Q4 2020-3.0%-0.8%+19.7%
Q3 2020-13.9%-8.2%+20.5%
Q2 2020+0.5%-4.8%+4.1%
Q1 2020-8.0%-5.9%+2.2%
Q4 2019+11.8%+9.0%-20.3%
Q3 2019-4.0%+0.1%+7.2%
Q2 2019-1.7%-8.6%-21.8%
Q1 2019-1.7%-0.4%-11.8%
Q4 2018+5.1%+0.9%+3.8%
Q3 2018-3.7%-3.8%-2.1%
Q2 2018+2.4%-6.1%-6.4%
Q1 2018-17.8%-17.6%-19.8%
Q4 2017-0.7%-6.0%-8.4%
Q3 2017+0.2%-0.8%+2.4%
Q2 2017+3.3%+4.3%+0.7%
Q1 2017-0.6%-1.1%-4.4%
Q4 2016+1.0%+3.4%+8.0%
Q3 2016+2.6%+0.3%+21.6%
Q2 2016+2.7%+1.0%+6.3%
Q1 2016+1.0%
Q4 2015-5.7%
Q3 2015+5.0%
Q2 2015-2.0%
Q1 2015+1.1%
Q4 2014+1.4%
Q3 2014-3.3%
Q2 2014-0.8%
Q1 2014+2.8%
Q4 2013+3.6%
Q3 2013+3.4%
Q2 2013-5.0%
Q1 2013-1.3%
Q4 2011-1.1%
Q4 2009-1.1%
Q4 2010-1.1%
Q4 2012+4.0%
Q3 2012+0.5%
Q2 2012-1.0%
Q1 2012-3.6%
Q3 2011-3.9%
Q2 2011-2.1%
Q1 2011-0.1%
Q3 2010+0.4%
Q2 2010-3.7%
Q1 2009-3.9%
Q1 2010+1.8%
Q4 2007+2.6%
Q3 2009-4.9%
Q3 2008-4.9%
Q2 2008+0.9%
Q4 2008+0.9%
Q2 2009+0.9%

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