Unum Group (UNM) Stock: Buy, Sell, or Hold?
$81.37
+0.13 (+0.16%)
▲
5d:
+8.8%
30d:
-11.6%
90d:
-12.22%
QUANTITATIVE VERDICT
BUY
MODERATE Confidence (94%)
Quality Score
55/100
Position
OVERSOLD
30-Day Fair Range
$82.90 – $94.64
Position: OVERSOLD
Forward P/E & Valuation
9.1x
FAIR
vs 8.7x historical avg
Wall Street Target
$97.92
+20.5% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$73.09 / $92.12
Trend: Sideways
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
💡 BUY OPPORTUNITY: UNM shows positive signals but monitor for confirmation. Market pricing in 1.6% growth. Moderate conviction.
Smart Money Accumulation
Options open interest is building while the stock consolidates - a pattern consistent with institutional accumulation. View Scanner →
Signal fired Nov 2, 2026 at $91.59 · last confirmed Nov 10, 2026
Strength: 7.2/10
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$96.86
Based on 4.6% avg growth
INTRINSIC VALUE TODAY
$60.14
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 8.7x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: UNM is currently trading at $81.37, which is considered oversold relative to its 30-day fair value range of $82.90 to $94.64. The stock's valuation (Forward PE: 9.1) is in line with its historical norms (8.7). At these levels, the market is pricing in 1.6% annual earnings growth.
Technical Outlook: Technically, UNM is showing sideways momentum. Immediate support is located at $73.09, while resistance sits at $92.12.
Market Sentiment: UNM scores 69/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $97.92 (+20.5%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, UNM is showing sideways momentum. Immediate support is located at $73.09, while resistance sits at $92.12.
Market Sentiment: UNM scores 69/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $97.92 (+20.5%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$82.90 -
$94.64
Company Quality Score
55/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
93.8%
Trading Range & Key Levels
30-Day Trading Range
$82.90 -
$94.64
Current vs Trading Range
OVERSOLD
Support Level
$73.09
Resistance Level
$92.12
Current Trend
Sideways
Technical data as of
Nov 11, 2026
Quantitative Signal Breakdown
- BULLISH: Price oversold vs 30-day range
- BULLISH: Strong technical setup (69/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 20.5% below Wall St target ($97.92)
- BULLISH: Expecting earnings turnaround to 1.6% growth with -24.6% revenue growth
- BULLISH: Bottoming setup score 69/100 — corrected, stabilizing, and turning up
Fundamental Context
Forward P/E (Next Year Est.)
9.14
Wall Street Target
$97.92
(+20.5%)
Revenue Growth (YoY)
-24.6%
Earnings Growth (YoY)
-16.2%
Profit Margin
1.9%
Valuation Premium vs History
+1.6% premium
PE vs Historical
9.1 vs 8.7
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.6%
(market-implied from PE analysis)
1-Year Target
$82.54
(+2%)
2-Year Target
$83.86
(+3%)
3-Year Target
$85.20
(+5%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
PE COMPRESSION
$81.13
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 5.2%)
$205.80
(+153%)
Base:
(SPY PE: 9.1, Growth: 5.2%)
$94.68
(+17%)
Bear:
(PE: 7.8, Growth: 5.2%)
$80.48
(-1%)
📈
Valuation based on Current Earnings
Forward PE: 8.49 | Forward EPS (Implied): $9.57
Bull Case
$98.10
(+21%)
Analyst growth 15.0%, PE expands to 8.9
Base Case
$81.24
(0%)
Market implied 0.0%, PE stable at 8.5
Bear Case
$62.15
(-24%)
Severe decline -15.0%, PE contracts to 7.6
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (UNM)
Bearish
2 Retail Mentions
Reddit / WSB Comments
1
Bearish
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Jul 29, 2026
Daily AI digest
AI Retail Discussion Summary:
Bearish sentiment on $UNM dominates social media, with traders citing a negative full-year outlook as the primary concern, despite a reported revenue beat.
Key Retail Themes:
Negative full-year outlook
Revenue beat
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 11, 2026 4:02 PM ET
Data refreshes hourly during market hours. Next update: 5:02 PM
Data refreshes hourly during market hours. Next update: 5:02 PM
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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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