UNM Earnings Prediction
The chart below shows how UNM performed 10 days before and after its earnings report, based on data from the past quarters. Typically, UNM sees a -1.42% change in stock price 10 days leading up to the earnings, and a +0.43% change 10 days following the report. On the earnings day itself, the stock moves by +0.26%. This data can give you a slight idea of what to expect for the next quarter's release.
UNM Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
3.24B
2.91%
0.61%
Gross Margin
--
--
--
Operating Margin
15.39%
1.25%
-42.68%
Net Margin
10.77%
2.47%
-46.34%
EPS
1.92
13.61%
-44.51%
No Data Available
UNM Earnings Analysis
Unum Group Corporation (UNM.N) Earnings Conference Call
Positive
Earnings Per Share Increase: Earnings per share grew by 10% in 2024, exceeding initial expectations of 7% to 9%.
Strong ROE Performance: Core operations delivered over 20% return on equity (ROE) in 2024, demonstrating strong financial performance.
Shareholder Value Enhancement: The company raised its dividend by 15% and repurchased approximately $1 billion of shares throughout 2024, reflecting a commitment to returning value to shareholders.
Record Sales Growth: Unum U.S. achieved record absolute sales growth of nearly 20% in Q4 2024, contributing to a full-year sales increase of 6.5%.
Adjusted EPS Growth: Full year adjusted operating earnings per share reached $8.44, representing a 10.2% growth over 2023, indicating sustained earnings power.
Negative
Sales Decline Analysis: Sales in Colonial Life decreased by 1.4% for the full year, indicating a decline in this segment's performance.
Corporate Segment Losses: The Corporate segment reported a loss of $50.4 million in the fourth quarter, with expectations for continued losses into 2025.
Operating Expense Ratio Trends: The adjusted operating expense ratio for 2024 was 21.7%, consistent with 2023, but is expected to increase slightly in 2025, indicating potential cost management challenges.
LTC Net Premium Ratio Increase: The LTC net premium ratio increased slightly to 94.6%, suggesting ongoing pressure in this area despite no anticipated capital contributions needed going forward.
Earnings Growth Stagnation: Unum International's adjusted operating income was relatively flat compared to the prior year, indicating stagnation in earnings growth despite some premium growth.
UNM FAQs
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UNM Earning Call Sentiment
Unum Group (NYSE:UNM) Q4 2024 Earnings Call Transcript
UNM.N
-1.82%Positive
The earnings call highlights strong EPS growth, increased dividends, and significant share repurchases, which are positive for stock price. Despite some supply chain challenges and LTC risks, the company's stable financial performance, high ROE, and optimistic outlook for group disability and risk transfer indicate a positive sentiment. The Q&A session supports this with stable pricing and improved recovery trends. Overall, the positive financial metrics and shareholder returns outweigh the potential risks, suggesting a stock price increase in the short term.
