UNM Stock Analysis: Buy, Sell, or Hold?
UNM - Unum Group
$75.97
-0.32 (-0.42%)
▼
BUY
HIGH Confidence
Last Updated: January 30, 2026
Earnings: Feb 05, 2026
4d
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: UNM shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
✅ BUY SIGNAL: UNM shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$110.52
Based on 7.2% avg growth
INTRINSIC VALUE TODAY
$68.63
Trading above fair value
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 8.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: UNM is currently trading at $75.97, which is considered oversold relative to its 30-day fair value range of $76.38 to $79.37. The stock's valuation (Forward PE: 8.2) is in line with its historical norms (8.4). Remarkably, the market is currently pricing in an annual earnings decline of 0.9% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, UNM is in a uptrend. The price is currently testing key support at $74.75. A bounce from this level would confirm strength, while a break below could signal further downside.
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 $95.62 (+25.3%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, UNM is in a uptrend. The price is currently testing key support at $74.75. A bounce from this level would confirm strength, while a break below could signal further downside.
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 $95.62 (+25.3%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
OVERSOLD
Fair Price Range
$76.38 -
$79.37
Company Quality Score
50/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
79.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 25.3% below Wall St target ($95.62)
Fair Price Analysis
30-Day Fair Range
$76.38 -
$79.37
Current vs Fair Value
OVERSOLD
Support & Resistance Levels
Support Level
$74.75
Resistance Level
$77.37
Current Trend
Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
8.20
Wall Street Target
$95.62
(+25.3%)
Revenue Growth (YoY)
5.0%
Earnings Growth (YoY)
-93.4%
Profit Margin
7.0%
Valuation Discount vs History
-0.9% cheaper
PE vs Historical
8.2 vs 8.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.9%
(market-implied from PE analysis)
1-Year Target
$75.60
(-1%)
2-Year Target
$74.92
(-2%)
3-Year Target
$74.25
(-3%)
3-Yr Target (if PE normalizes)
(PE: 8→8)
$76.06
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 10.4%)
$279.07
(+266%)
Base:
(SPY PE: 8.2, Growth: 10.4%)
$102.61
(+35%)
Bear:
(PE: 7.0, Growth: 10.4%)
$87.22
(+14%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (15x PE), but valuation improves significantly next year (8x PE) as earnings recover.
Trailing PE: 14.76 | Current EPS (TTM): $5.17
Bull Case
$151.03
(+99%)
Analyst growth 80.0%, PE expands to 16.2
Base Case
$137.30
(+81%)
Market implied 80.0%, PE stable at 14.8
Bear Case
$51.88
(-32%)
Severe decline -20.0%, PE contracts to 12.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 8.2 to 8.4
Stabilization Target:
$78.16
(+2.4%)
PE Expansion Potential:
+2.4%
Last updated: January 31, 2026 1:03 AM ET
Data refreshes hourly during market hours. Next update: 2:03 AM
Data refreshes hourly during market hours. Next update: 2:03 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
NEUTRAL
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Advanced UNM Option Strategies
Professional options setups generated by AI based on today's UNM price and gamma walls.
