DailyIQ

UNM Earnings

Company • Q3 2026 earnings report

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Report date
-
Timing
-
Period
2026Q3
EPS EstimateEPS ActualRevenue EstimateRevenue Actual
- Not available yet - Not available yet
Actuals update automatically shortly after the company reports.
UNM|EarningsUNM

UNM Financials

Full financials →
61/ 100
Moderately positive
Verdict: Neutral
Revenue growing year over year
Operating Margin
9.5%
Net Margin
5.6%
FCF Margin
4.2%
Revenue CAGR
1.2%
Debt / Equity
0.34x
Return on Equity
6.6%
Return on Assets
1.2%

Financial Statements

Line Item
Q4 '25
Q3 '25
Q2 '25
Q1 '25
Q4 '24
Q3 '24
Q2 '24
Q1 '24
Q4 '23
Q3 '23
Q2 '23
Q1 '23
Income Statement
Revenue
$3.24B 0.2%
$3.38B 5.0%
$3.36B 4.0%
$3.09B 3.4%
$3.24B 2.9%
$3.22B 4.0%
$3.23B 3.9%
$3.20B 5.4%
$3.15B
$3.09B
$3.11B
$3.04B
Operating Income
Interest Expense
$52.60M 0.2%
$52.20M 6.1%
$52.00M 4.2%
$52.00M 5.1%
$52.50M 6.7%
$49.20M 1.2%
$49.90M 2.0%
$49.50M 2.9%
$49.20M
$48.60M
$48.90M
$48.10M
Pretax Income
$218.40M 51.0%
$54.50M 93.3%
$417.00M 15.8%
$243.60M 50.9%
$445.50M 3.9%
$814.60M 211.3%
$495.50M 0.6%
$495.70M 9.8%
$428.70M
$261.70M
$498.40M
$451.30M
Income Tax Expense
$44.30M 54.2%
$14.80M 91.2%
$81.40M 23.2%
$54.50M 45.8%
$96.80M 1.3%
$168.90M 182.9%
$106.00M 0.5%
$100.50M 8.1%
$98.10M
$59.70M
$105.50M
$93.00M
Net Income
$174.10M 50.1%
$39.70M 93.9%
$335.60M 13.8%
$189.10M 52.2%
$348.70M 5.5%
$645.70M 219.7%
$389.50M 0.9%
$395.20M 10.3%
$330.60M
$202.00M
$392.90M
$358.30M
Comprehensive Income
$532.90M 3.9%
-$86.90M 111.4%
$473.70M 2.0%
$534.00M 30.0%
$554.70M 220.3%
$762.20M 49.7%
$483.30M 395.2%
$763.20M 18.5%
$173.20M
$509.00M
$97.60M
$644.30M
EPS (Basic)
$1.06 45.1%
$0.23 93.4%
$1.93 5.9%
$1.06 48.3%
$1.93 13.5%
$3.46 235.9%
$2.05 3.0%
$2.05 13.3%
$1.70
$1.03
$1.99
$1.81
EPS (Diluted)
$1.06 44.5%
$0.23 93.4%
$1.92 6.3%
$1.06 48.0%
$1.91 12.4%
$3.46 239.2%
$2.05 3.5%
$2.04 13.3%
$1.70
$1.02
$1.98
$1.80
Weighted Avg Shares (Basic)
-350.14M 8.2%
170.25M 8.7%
174.11M 8.3%
178.29M 7.4%
-381.35M 3.4%
186.40M 4.9%
189.89M 3.7%
192.55M 2.8%
-394.72M
196.08M
197.18M
198.11M
Weighted Avg Shares (Diluted)
-350.98M 8.2%
170.59M 8.7%
174.43M 8.4%
178.88M 7.4%
-382.41M 3.7%
186.88M 5.2%
190.33M 3.9%
193.27M 3.1%
-397.19M
197.13M
198.14M
199.52M
Cash Flow
Operating Cash Flow
$357.90M 26.3%
-$371.80M 195.3%
$348.00M 2.6%
$353.60M 18.5%
$485.80M 41.4%
$390.00M 1.3%
$339.10M 8.1%
$298.30M 98.1%
$343.50M
$395.10M
$313.60M
$150.60M
Capital Expenditures
$37.80M 18.1%
$30.80M 18.3%
$27.90M 0.7%
$35.80M 26.5%
$32.00M 30.0%
$37.70M 14.9%
$27.70M 1.8%
$28.30M 2.7%
$45.70M
$32.80M
$27.20M
$29.10M
Free Cash Flow
$320.10M 29.5%
-$402.60M 214.3%
$320.10M 2.8%
$317.80M 17.7%
$453.80M 52.4%
$352.30M 2.8%
$311.40M 8.7%
$270.00M 122.2%
$297.80M
$362.30M
$286.40M
$121.50M
Investing Cash Flow
-$222.50M 556.9%
-$189.30M 58.1%
$972.80M 434.2%
-$12.10M 168.4%
$48.70M 121.4%
-$119.70M 46.9%
-$291.10M 25.1%
$17.70M 143.7%
-$227.30M
-$225.40M
-$232.70M
-$40.50M
Financing Cash Flow
-$305.10M 43.0%
-$305.80M 27.6%
-$363.70M 87.1%
-$266.60M 45.8%
-$535.10M 293.2%
-$239.60M 113.7%
-$194.40M 103.1%
-$182.90M 72.2%
-$136.10M
-$112.10M
-$95.70M
-$106.20M
Dividends Paid
$77.30M 0.1%
$78.40M 0.8%
$73.40M 6.4%
$77.10M 6.3%
$77.20M 8.1%
$77.80M 9.0%
$69.00M 6.0%
$72.50M 4.8%
$71.40M
$71.40M
$65.10M
$69.20M
Balance Sheet
Total Assets
$63.52B 2.5%
$63.68B 0.7%
$62.84B 1.3%
$62.46B 0.0%
$61.96B 2.0%
$64.14B 7.0%
$62.04B 0.2%
$62.49B 0.1%
$63.26B
$59.95B
$61.90B
$62.42B
Cash & Equivalents
$158.20M 2.8%
$327.90M 100.7%
$1.19B 800.4%
$237.70M 14.8%
$162.80M 11.5%
$163.40M 1.5%
$132.70M 22.5%
$279.10M 126.7%
$146.00M
$165.90M
$108.30M
$123.10M
Goodwill
$353.90M 1.4%
$354.00M 0.6%
$353.30M 1.1%
$350.60M 0.3%
$349.10M 0.2%
$352.00M 1.2%
$349.60M 0.0%
$349.60M 0.3%
$349.90M
$347.90M
$349.70M
$348.40M
Total Liabilities
$52.40B 2.7%
$52.77B 0.8%
$51.52B 0.1%
$51.25B 2.0%
$51.00B 4.9%
$53.19B 5.7%
$51.58B 2.0%
$52.27B 1.7%
$53.60B
$50.34B
$52.66B
$53.18B
Long-Term Debt
$3.77B 8.7%
$3.47B 0.0%
$3.47B 0.0%
$3.47B 1.0%
$3.47B 1.0%
$3.47B 1.2%
$3.47B 1.2%
$3.43B 0.1%
$3.43B
$3.43B
$3.43B
$3.43B
Short-Term Debt
$0 100.0%
$274.90M
$274.80M
$274.60M
$274.60M
$0
$2.00M
$2.00M
$2.00M
Total Equity
$11.12B 1.4%
$10.91B 0.4%
$11.32B 8.2%
$11.21B 9.7%
$10.96B 13.6%
$10.95B 13.9%
$10.46B 13.2%
$10.22B 10.5%
$9.65B
$9.62B
$9.25B
$9.25B
Retained Earnings
$13.35B 3.3%
$13.25B 4.8%
$13.29B 10.0%
$13.03B 10.8%
$12.91B 13.0%
$12.64B 9.0%
$12.07B 12.2%
$11.75B 12.5%
$11.43B
$13.89B
$13.76B
$13.43B
Treasury Stock
$2.03B 116.4%
$1.78B 226.7%
$1.52B 345.6%
$1.22B 652.4%
$938.30M 2287.5%
$544.10M 84.9%
$342.10M 90.3%
$162.30M 95.3%
$39.30M
$3.61B
$3.53B
$3.48B

Recent News Coverage

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What Typically Drives Post-Earnings Stock Moves

EarningsReleasedTime →Stock PriceBeatMissPre-earnings drift

Stock prices after earnings announcements are driven by expectations vs. reality. If the market expected a company to report $3.00 EPS and it reports $3.10, the stock may rally - but if expectations were $3.20, the same $3.10 result could trigger a selloff. This is why understanding consensus estimates (the average of all analyst predictions) is crucial. Stocks don't move on absolute performance; they move on performance relative to what was already priced in.

Beyond the headline numbers, investors focus heavily on forward guidance. Guidance is management's prediction for the next quarter or full year. A company that beats current earnings but lowers future guidance will often see its stock fall, because the market values future cash flows more than past results. Conversely, a miss with raised guidance can rally the stock. This is why experienced investors listen to earnings calls and read guidance statements - not just the press release headlines.

Profit margins are another critical driver. If a company grows revenue but margins shrink, it suggests pricing pressure or rising costs. Investors prefer expanding margins, which indicate pricing power and operational efficiency. For example, a company reporting 20% revenue growth with flat margins is less impressive than 10% growth with expanding margins. The latter signals a sustainable, high-quality business model.

Finally, market positioning and sector trends matter. During a bull market, stocks often rise on mediocre earnings because investor sentiment is positive. During bear markets, even strong earnings may not prevent selloffs. Additionally, if peers in the same industry are reporting weak results, a company's strong report might be viewed as an outlier rather than a trend. Always consider the broader market context and sector health when interpreting earnings reactions.

How to Interpret This Earnings Report

Earnings reports are the financial scorecards that companies release every quarter. They contain two critical metrics: Earnings Per Share (EPS) and Revenue. EPS represents the company's profit divided by the number of outstanding shares - essentially, how much money the company made for each share of stock. Revenue is the total money the company brought in before expenses. Both metrics are compared against analyst estimates to determine if the company "beat" or "missed" expectations.

When you see "EPS Estimate" vs. "EPS Actual," you're comparing what Wall Street analysts predicted versus what the company actually delivered. A company that reports EPS of $2.50 when estimates were $2.30 has beaten earnings by $0.20 per share. This often triggers a positive stock reaction, but not always. The market cares equally about revenue growth, future guidance, and profit margins. A company can beat EPS estimates while missing revenue targets, which suggests they cut costs rather than grew sales - a less sustainable path.

Understanding year-over-year (YoY) vs. quarter-over-quarter (QoQ) comparisons is critical. YoY compares this quarter to the same quarter last year, accounting for seasonal business patterns. QoQ compares consecutive quarters and reveals short-term momentum. For example, a retailer's Q4 (holiday season) will always be stronger than Q1 - so comparing Q4 to Q1 is misleading. Always focus on YoY growth for long-term trends and QoQ for recent acceleration or deceleration.

Finally, remember that initial market reactions can be misleading. Stocks sometimes fall on earnings beats because investors were expecting an even larger beat, or because forward guidance disappointed. Conversely, stocks can rise on earnings misses if the company provided optimistic future projections or if the miss was smaller than feared. The key is to focus on fundamentals: Is revenue growing? Are profit margins expanding? Is the company gaining or losing market share? These factors matter far more than a single quarter's results.