UNM Stock Analysis: Buy, Sell, or Hold?
UNM - Unum Group
$89.41
1.91 (2.18%)
▲
5d:
-0.11%
30d:
-1.4%
90d:
+16.62%
BUY
MODERATE Confidence
Analysis Updated: Jul 13, 2026 12:00 AM ET
Earnings: Aug 04, 2026
20d
Smart Money Accumulation
None View Scanner →
Strength: 6.8/10
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: UNM shows positive signals but monitor for confirmation. Market pricing in 3.8% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: UNM shows positive signals but monitor for confirmation. Market pricing in 3.8% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$112.85
Based on 7.0% avg growth
INTRINSIC VALUE TODAY
$70.07
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 8.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: UNM is currently trading at $89.41, which is considered fair relative to its 30-day fair value range of $87.76 to $91.61. From a valuation perspective, the stock is trading at a premium (Forward PE: 9.2) compared to its historical average (8.3). At these levels, the market is pricing in 3.8% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, UNM is in a strong uptrend. The price is approaching resistance at $88.92. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $100.08 (+11.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, UNM is in a strong uptrend. The price is approaching resistance at $88.92. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $100.08 (+11.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$87.76 -
$91.61
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
71.0%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($100.08)
- NEUTRAL: Market pricing in 3.8% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$87.76 -
$91.61
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$82.23
Resistance Level
$88.92
Current Trend
Strong Uptrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.24
Wall Street Target
$100.08
(+11.9%)
Revenue Growth (YoY)
8.5%
Earnings Growth (YoY)
33.0%
Profit Margin
5.9%
Valuation Premium vs History
+3.8% premium
PE vs Historical
9.2 vs 8.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.8%
(market-implied from PE analysis)
1-Year Target
$92.81
(+4%)
2-Year Target
$96.33
(+8%)
3-Year Target
$99.99
(+12%)
3-Yr Target (if PE normalizes)
(PE: 9→8)
PE COMPRESSION
$89.86
(+1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 10.1%)
$281.23
(+215%)
Base:
(SPY PE: 9.2, Growth: 10.1%)
$119.25
(+33%)
Bear:
(PE: 7.9, Growth: 10.1%)
$101.36
(+13%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (19x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 18.94 | Current EPS (TTM): $4.62
Bull Case
$192.50
(+115%)
Analyst growth 100.0%, PE expands to 20.8
Base Case
$175.00
(+96%)
Market implied 100.0%, PE stable at 18.9
Bear Case
$59.50
(-34%)
Severe decline -20.0%, PE contracts to 16.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: July 13, 2026 8:14 PM ET
Data refreshes hourly during market hours. Next update: 9:14 PM
Data refreshes hourly during market hours. Next update: 9:14 PM
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Technical Signals Check
Is UNM showing a specific setup today?
Insider Activity (6 Months)
0
Buys
4
Sells
Net
INSIDERS SELLING
Recent Transactions
Christopher W Pyne
SELL
4852 shares
2026-03-16
Lisa G Iglesias
SELL
3500 shares
2026-03-09
Cynthia Egan
SELL
9000 shares
2026-02-18
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