Unum Group (UNM) Stock: Buy, Sell, or Hold?
UNM - Unum Group
$88.08
0.35 (0.40%)
▲
5d:
-3.33%
30d:
-3.94%
90d:
-4.61%
WAIT
LOW Confidence
Analysis Updated: Oct 1, 2026 12:00 AM ET
Earnings: Nov 02, 2026
30d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: UNM shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: UNM shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$111.37
Based on 6.5% avg growth
INTRINSIC VALUE TODAY
$69.15
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 8.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: UNM is currently trading at $88.08, which is considered oversold relative to its 30-day fair value range of $90.69 to $95.26. The stock's valuation (Forward PE: 9.3) is in line with its historical norms (8.6). At these levels, the market is pricing in 2.7% annual earnings growth.
Technical Outlook: Technically, UNM is in a strong uptrend. The price is currently testing key support at $85.78. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: UNM scores 27/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $101.85 (+15.6%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, UNM is in a strong uptrend. The price is currently testing key support at $85.78. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: UNM scores 27/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $101.85 (+15.6%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$90.69 -
$95.26
Company Quality Score
47/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
58.1%
Protect Your Profits
Holding UNM? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (27/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($101.85)
- BULLISH: Expecting earnings turnaround to 2.7% growth with 0.3% revenue growth
- WARNING: Composite score 47/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$90.69 -
$95.26
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$85.79
Resistance Level
$96.19
Current Trend
Strong Uptrend
Technical data as of
Oct 1, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.31
Wall Street Target
$101.85
(+15.6%)
Revenue Growth (YoY)
0.3%
Earnings Growth (YoY)
-16.2%
Profit Margin
5.3%
Valuation Premium vs History
+2.7% premium
PE vs Historical
9.3 vs 8.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.7%
(market-implied from PE analysis)
1-Year Target
$90.46
(+3%)
2-Year Target
$92.90
(+6%)
3-Year Target
$95.41
(+8%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
PE COMPRESSION
$88.11
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: 9.0%)
$250.08
(+184%)
Base:
(SPY PE: 9.3, Growth: 9.0%)
$114.15
(+30%)
Bear:
(PE: 7.9, Growth: 9.0%)
$97.03
(+10%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (20x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 20.36 | Current EPS (TTM): $4.31
Bull Case
$193.01
(+119%)
Analyst growth 100.0%, PE expands to 22.4
Base Case
$175.46
(+99%)
Market implied 100.0%, PE stable at 20.4
Bear Case
$59.66
(-32%)
Severe decline -20.0%, PE contracts to 17.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 02, 2026 6:42 AM ET
Data refreshes hourly during market hours. Next update: 7:42 AM
Data refreshes hourly during market hours. Next update: 7:42 AM
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Technical Signals Check
Is UNM showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
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