UNM Stock Analysis: Buy, Sell, or Hold?
UNM - Unum Group
$86.11
-0.66 (-0.76%)
▼
5d:
-0.13%
30d:
-5.79%
90d:
+7.13%
HOLD
MODERATE Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Jul 28, 2026
0d
Smart Money Accumulation
None View Scanner →
Strength: 6.3/10
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: UNM shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: UNM shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$110.43
Based on 6.8% avg growth
INTRINSIC VALUE TODAY
$68.57
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 $86.11, which is considered oversold relative to its 30-day fair value range of $86.79 to $90.37. The stock's valuation (Forward PE: 9.0) is in line with its historical norms (8.3). At these levels, the market is pricing in 2.6% annual earnings growth.
Technical Outlook: Technically, UNM is in a strong uptrend. Immediate support is located at $82.11, while resistance sits at $89.59.
Market Sentiment: UNM has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $101.92 (+18.4%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, UNM is in a strong uptrend. Immediate support is located at $82.11, while resistance sits at $89.59.
Market Sentiment: UNM has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $101.92 (+18.4%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$86.79 -
$90.37
Company Quality Score
53/100
(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 (25/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($101.92)
- BULLISH: Expecting earnings turnaround to 2.6% growth with 0.3% revenue growth
Trading Range Analysis
30-Day Trading Range
$86.79 -
$90.37
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$82.12
Resistance Level
$89.59
Current Trend
Strong Uptrend
Technical data as of
Jul 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.98
Wall Street Target
$101.92
(+18.4%)
Revenue Growth (YoY)
0.3%
Earnings Growth (YoY)
-16.2%
Profit Margin
5.3%
Valuation Premium vs History
+2.6% premium
PE vs Historical
9.0 vs 8.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.6%
(market-implied from PE analysis)
1-Year Target
$88.35
(+3%)
2-Year Target
$90.65
(+5%)
3-Year Target
$93.00
(+8%)
3-Yr Target (if PE normalizes)
(PE: 9→8)
PE COMPRESSION
$85.91
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 9.6%)
$261.85
(+204%)
Base:
(SPY PE: 9.0, Growth: 9.6%)
$113.49
(+32%)
Bear:
(PE: 7.6, Growth: 9.6%)
$96.47
(+12%)
📈
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: 20.13 | Current EPS (TTM): $4.31
Bull Case
$190.89
(+122%)
Analyst growth 100.0%, PE expands to 22.2
Base Case
$173.54
(+102%)
Market implied 100.0%, PE stable at 20.1
Bear Case
$59.00
(-32%)
Severe decline -20.0%, PE contracts to 17.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 03, 2026 2:31 AM ET
Data refreshes hourly during market hours. Next update: 3:31 AM
Data refreshes hourly during market hours. Next update: 3:31 AM
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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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