Filing Flows › Unum (UNM) › Q4 2025
Unum (UNM) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Feb 17, 2026
Unum (UNM) reported revenue of $3.2B for the fourth quarter 2025 (Q4 2025), +0.2% from a year earlier and -4% from the quarter before. Operating margin was 6.7%, net earnings $174M (5.4% of revenue).
Unum, Q4 2025: revenue $3.2B (+0.2% year over year), operating margin 6.7%, net earnings $174M, operating cash flow $358M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $3.2B | -4% | +0.2% |
| Operating profit | $218M | +301% | -51% |
| Net earnings | $174M | +339% | -50% |
| Operating cash flow | $358M | — | -26% |
| Free cash flow | $320M | — | -29% |
What changed
Revenue was $3.2B in Q4 2025, roughly flat year over year and down 4% from the previous quarter.
Operating profit was $0.22B, a 6.7% margin (down 7.0 points year over year). Operating profit fell $0.23B even though revenue rose $0.01B versus a year earlier, so costs grew faster than sales. Total costs grew 8% against flat revenue. Net earnings were $0.17B, down 50% year over year. The effective tax rate was 20.3%.
Operating cash flow was $0.36B (down 26% year over year), 206% of net earnings. Non-cash charges added back $0.03B of depreciation and amortization. Working capital and other items added $0.15B. Capital expenditures of $0.04B left free cash flow of $0.32B.
Questions
What was Unum's revenue in the fourth quarter 2025?
Unum (UNM) reported revenue of $3.2B for the fourth quarter 2025 (Q4 2025), +0.2% from a year earlier and -4% from the quarter before.
Was Unum profitable in the fourth quarter 2025?
Operating profit was $218M (6.7% of revenue) and net earnings $174M.
Source: Unum 10-K on SEC EDGAR.