Unum (UNM) reported $3.23 billion in income for the quarter ended December 2024, representing a year-over-year enhance of two.4%. EPS of $2.03 for a similar interval compares to $1.79 a 12 months in the past.
The reported income compares to the Zacks Consensus Estimate of $3.28 billion, representing a shock of -1.53%. The corporate delivered an EPS shock of -4.70%, with the consensus EPS estimate being $2.13.
Whereas traders carefully watch year-over-year modifications in headline numbers — income and earnings — and the way they evaluate to Wall Avenue expectations to find out their subsequent plan of action, some key metrics all the time present a greater perception into an organization’s underlying efficiency.
As these metrics affect top- and bottom-line efficiency, evaluating them to the year-ago numbers and what analysts estimated helps traders venture a inventory’s worth efficiency extra precisely.
Right here is how Unum carried out within the simply reported quarter when it comes to the metrics most generally monitored and projected by Wall Avenue analysts:
- Profit Ratio – Unum US Group Life and Unintended Demise & Dismemberment: 66.7% versus the four-analyst common estimate of 69.5%.
- Profit Ratio – Colonial Life Phase: 46.8% in comparison with the 49.8% common estimate based mostly on 4 analysts.
- Different Expense Ratio – Unum US Supplemental and Voluntary: 22.7% versus 22.2% estimated by 4 analysts on common.
- Different Expense Ratio – Unum US Group Life and Unintended Demise & Dismemberment: 12.2% versus the four-analyst common estimate of 12.2%.
- Income- Different earnings: $72 million in comparison with the $71.79 million common estimate based mostly on 9 analysts. The reported quantity represents a change of +5% 12 months over 12 months.
- Income- Premium Revenue: $2.63 billion versus the nine-analyst common estimate of $2.66 billion. The reported quantity represents a year-over-year change of +3.1%.
- Income- Web funding earnings: $543.60 million versus the nine-analyst common estimate of $539.69 million. The reported quantity represents a year-over-year change of +2.4%.
- Adjusted Working Income- Closed Block Phase- Complete: $529.70 million versus $517.96 million estimated by seven analysts on common. In comparison with the year-ago quarter, this quantity represents a +3.6% change.
- Adjusted Working Income- Colonial Life Phase- Complete: $491.40 million in comparison with the $488.34 million common estimate based mostly on seven analysts. The reported quantity represents a change of +3.7% 12 months over 12 months.
- Adjusted Working Income- Unum Worldwide- Complete: $277.10 million versus $276.22 million estimated by seven analysts on common. In comparison with the year-ago quarter, this quantity represents a +10% change.
- Adjusted Working Income- Company Phase- Complete: $14 million versus the seven-analyst common estimate of $16.49 million. The reported quantity represents a year-over-year change of -54.6%.
- Adjusted Working Income- Closed Block Phase- Different Revenue: $14 million in comparison with the $12.60 million common estimate based mostly on seven analysts. The reported quantity represents a change of +12% 12 months over 12 months.
View all Key Company Metrics for Unum here>>>
Shares of Unum have returned +4% over the previous month versus the Zacks S&P 500 composite’s +1% change. The inventory presently has a Zacks Rank #3 (Maintain), indicating that it may carry out in step with the broader market within the close to time period.
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