Is UNM stock a Buy, Sell, or Hold?

Based on our analysis, UNM is currently a WAIT with low confidence. 📊 MIXED SIGNALS: UNM shows conflicting indicators. Wait for confirmation before entering.

What is the fair value of UNM stock?

Our analysis estimates the fair value range for UNM to be between $89.25 and $93.91. The current price is $94.42.

What is the analyst price target for UNM?

The average Wall Street analyst price target for UNM is $101.85. This implies a potential upside of 7.9% from current levels.

Unum Group (UNM) Stock: Buy, Sell, or Hold?

UNM - Unum Group

ACCIDENT & HEALTH INSURANCE

$94.42

0.11 (0.12%) ▲

5d: -2.23%

30d: +2.87%

90d: +2.95%

WAIT

LOW Confidence

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Analysis Updated: Sep 11, 2026 12:00 AM ET

Earnings: Nov 02, 2026

Smart Money Accumulation

Options open interest is building while the stock consolidates - a pattern consistent with institutional accumulation. View Scanner →

Signal fired Sep 4, 2026 at $94.07 · last confirmed Sep 9, 2026

Strength: 6.5/10

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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.

See Forward Earnings Fair Value & Price Prediction →

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

Adjust Growth Assumption: 9.0%

0% (Stagnation) 50% (Hyper Growth)

EST. PRICE IN 2031

$110.08

Based on 6.5% avg growth

INTRINSIC VALUE TODAY

$68.35

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 8.5x Exit PE.

View Full DCF Model

In-depth Analysis How we analyze

Valuation Analysis: UNM is currently trading at $94.42, which is considered extended relative to its 30-day fair value range of $89.25 to $93.91. From a valuation perspective, the stock is trading at a premium (Forward PE: 10.0) compared to its historical average (8.5). At these levels, the market is pricing in 5.5% annual earnings growth.

Technical Outlook: Technically, UNM is in a strong uptrend. The price is approaching resistance at $96.77. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.

Market Sentiment: UNM scores 32/100 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. Current signals suggest waiting for a better entry point before initiating new positions.

Quick Decision Summary

Current Position EXTENDED

Historical Trading Range $89.25 - $93.91

Company Quality Score 42/100 (HOLD)

Volume Confirmation HIGH

Confidence Score 27.1%

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All Signals

BEARISH: Price extended above range
BEARISH: Weak technical setup (32/100)
BULLISH: High volume confirmation
NEUTRAL: Near Wall St target ($101.85)
BULLISH: Expecting earnings turnaround to 5.5% growth with 0.3% revenue growth
WARNING: Composite score 42/100 in the bottom quintile — this cohort historically lags the market

Trading Range Analysis

30-Day Trading Range $89.25 - $93.91

Current vs Trading Range EXTENDED

Support & Resistance Levels

Support Level $91.24

Resistance Level $96.77

Current Trend Strong Uptrend

Technical data as of Sep 11, 2026

Fundamental Context

Forward P/E (Next Year Est.) 9.98

Wall Street Target $101.85 (+7.9%)

Revenue Growth (YoY) 0.3%

Earnings Growth (YoY) -16.2%

Profit Margin 5.3%

Valuation Premium vs History +5.5% premium

PE vs Historical 10.0 vs 8.5 STRETCHED

Market-Implied Price Targets If current PE multiple persists

Implied Growth (YoY): +5.5% (market-implied from PE analysis)

1-Year Target $99.61 (+6%)

2-Year Target $105.09 (+11%)

3-Year Target $110.87 (+17%)

3-Yr Target (if PE normalizes) (PE: 10→9) PE COMPRESSION $94.41 (0%)

Earnings growth offset by PE compression

3-Year Scenarios Using analyst projected EPS growth

Bull: (PE: 20.2, Growth: 9.0%) $247.26 (+162%)

Base: (SPY PE: 10.0, Growth: 9.0%) $122.37 (+30%)

Bear: (PE: 8.5, Growth: 9.0%) $104.01 (+10%)

📈 Valuation based on Current Earnings

RECOVERY PLAY: Stock looks expensive now (22x PE), but valuation improves significantly next year (10x PE) as earnings recover.

Trailing PE: 21.88 | Current EPS (TTM): $4.31

Bull Case $207.48 (+120%)

Analyst growth 100.0%, PE expands to 24.1

Base Case $188.62 (+100%)

Market implied 100.0%, PE stable at 21.9

Bear Case $64.13 (-32%)

Severe decline -20.0%, PE contracts to 18.6

These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.

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Last updated: September 12, 2026 2:58 AM ET
Data refreshes hourly during market hours. Next update: 3:58 AM

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Insider Activity (6 Months)

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Advanced UNM Option Strategies

Professional options setups generated by AI based on today's UNM price and gamma walls.

Iron Condor Bull Call Bear Put Collar

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