On radio, on YouTube, streaming live on invest talk.com, and for our podcast subscribers, this is InvestTalk.

Independent thinking, shared success.

Invest talk is made possible by KPP Financial, a registered investment advisor firm, serving clients throughout the United States.

Here is KPP Financial Portfolio Manager, Luke Guerrero.

Good afternoon, fellow investors, and welcome back to the Friday, February 13th. That's right, Friday the 13th,

2026 edition of InvestTalk. I'm your host, Lou Guerrero, and I'll be with you for the next

54 minutes as we dissect what happened in the market today, go through a relatively important, I would say,

main focus point and a bunch of topics that I brought to discuss. One other thing we're going to be

doing over this next hour is what we do each and every day and that is answer your finance

and investment questions. So before we talk about today's market performance and run down those show topics,

why do we start by answering a caller question now? Hey guys, Chuck and Clayton. Question on

UNM, Unum Group. Whatever you can tell me about, I appreciate it. Thanks. Ticker UNM,

which is Unum Group, what do they do?

Well, they are a workplace benefits provider, so they offer group, offer group long-term

and short-term disability, group life, accidental death and dismemberment, as well as some

supplemental voluntary products like dental, vision, and critical illnesses.

Now, in terms of company size, this company is a $11.9 billion market cap company. And year to date,

it's down about 7.56%. Down about 5% over the past 52 weeks. Now one of the reasons why

it's down is well Q4 2025 had a bit of an earnings miss reported 192 earnings per share

versus the 212 consensus missed by about 20 cents with revenue slightly below estimates as well.

But most importantly, we know this.

Markets are forward-looking.

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