UNM Stock Analysis: Buy, Sell, or Hold?
UNM - Unum Group
$72.99
0.09 (0.12%)
▲
5d:
-0.35%
30d:
+1.76%
90d:
-7.42%
BUY
HIGH Confidence
Analysis Updated: Mar 30, 2026 12:00 AM ET
Earnings: May 05, 2026
Smart Money Accumulation
UNM is down 3.9% this week, but smart money is accumulating calls. Top strike: $80 2026-03-20 with 1,578 OI. Call ratio: 87% View Scanner →
Strength: 5.6/10
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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 fair pricing.
✅ BUY SIGNAL: UNM shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$113.15
Based on 7.8% avg growth
INTRINSIC VALUE TODAY
$70.25
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 8.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: UNM is currently trading at $72.99, which is considered fair relative to its 30-day fair value range of $71.95 to $74.05. The stock's valuation (Forward PE: 7.5) is in line with its historical norms (8.0). Remarkably, the market is currently pricing in an annual earnings decline of 2.2% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, UNM is in a downtrend. The price is currently testing key support at $71.72. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: UNM has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $93.29 (+28.0%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, UNM is in a downtrend. The price is currently testing key support at $71.72. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: UNM has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $93.29 (+28.0%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$71.95 -
$74.05
Company Quality Score
62/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
83.3%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 28.0% below Wall St target ($93.29)
Fair Price Analysis
30-Day Fair Range
$71.95 -
$74.05
Current vs Fair Value
FAIR
Support & Resistance Levels
Support Level
$71.72
Resistance Level
$75.66
Current Trend
Downtrend
Technical data as of
Mar 30, 2026
Fundamental Context
Forward P/E (Next Year Est.)
7.47
Wall Street Target
$93.29
(+28.0%)
Revenue Growth (YoY)
0.2%
Earnings Growth (YoY)
-45.9%
Profit Margin
5.7%
Valuation Discount vs History
-2.2% cheaper
PE vs Historical
7.5 vs 8.0
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-2.2%
(market-implied from PE analysis)
1-Year Target
$71.30
(-2%)
2-Year Target
$69.73
(-4%)
3-Year Target
$68.19
(-7%)
3-Yr Target (if PE normalizes)
(PE: 7→8)
$72.98
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.4, Growth: 11.5%)
$303.08
(+316%)
Base:
(SPY PE: 7.5, Growth: 11.5%)
$101.14
(+39%)
Bear:
(PE: 6.4, Growth: 11.5%)
$85.97
(+18%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (17x PE), but valuation improves significantly next year (7x PE) as earnings recover.
Trailing PE: 16.98 | Current EPS (TTM): $4.27
Bull Case
$159.54
(+118%)
Analyst growth 100.0%, PE expands to 18.7
Base Case
$145.04
(+98%)
Market implied 100.0%, PE stable at 17.0
Bear Case
$49.31
(-33%)
Severe decline -20.0%, PE contracts to 14.4
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 7.5 to 8.0
Stabilization Target:
$78.02
(+7.0%)
PE Expansion Potential:
+7.0%
Share & Embed Analysis
Last updated: March 30, 2026 5:00 PM ET
Data refreshes hourly during market hours. Next update: 6:00 PM
Data refreshes hourly during market hours. Next update: 6:00 PM
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Technical Signals Check
Is UNM showing a specific setup today?
Insider Activity (6 Months)
1
Buys
9
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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Advanced UNM Option Strategies
Professional options setups generated by AI based on today's UNM price and gamma walls.
