UNM Stock Analysis: Buy, Sell, or Hold?
UNM - Unum Group
$80.90
0.47 (0.58%)
▲
5d:
+0.72%
30d:
+2.53%
90d:
+14.23%
HOLD
MODERATE Confidence
Analysis Updated: May 14, 2026 12:00 AM ET
Earnings: Jul 28, 2026
Smart Money Accumulation
UNM is down 3.4% this week, but smart money is accumulating calls. Top strike: $85 2026-07-17 with 5,237 OI. Call ratio: 100% View Scanner →
Strength: 6.7/10
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: UNM is fairly valued with market pricing in 1.2% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: UNM is fairly valued with market pricing in 1.2% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$112.60
Based on 7.6% avg growth
INTRINSIC VALUE TODAY
$69.91
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 8.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: UNM is currently trading at $80.90, which is considered extended relative to its 30-day fair value range of $77.18 to $80.70. The stock's valuation (Forward PE: 8.3) is in line with its historical norms (8.0). At these levels, the market is pricing in 1.2% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, UNM is showing sideways momentum. The price is currently testing key support at $79.41. 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 (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $97.08 (+20.0%). 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 showing sideways momentum. The price is currently testing key support at $79.41. 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 (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $97.08 (+20.0%). 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
EXTENDED
Historical Trading Range
$77.18 -
$80.70
Company Quality Score
60/100
(HOLD)
Options IV Signal
39th percentile
(NORMAL)
Volume Confirmation
HIGH
Confidence Score
53.5%
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
- BEARISH: Price extended above range
- NEUTRAL: Options fairly priced (IV 39th percentile)
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($97.08)
- NEUTRAL: Market pricing in 1.2% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$77.18 -
$80.70
Current vs Trading Range
EXTENDED
Expected Move (7 Days)
±$3.43
(4.2%)
Support & Resistance Levels
Support Level
$79.41
Resistance Level
$82.21
Current Trend
Sideways
Technical data as of
May 14, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.30
Wall Street Target
$97.08
(+20.0%)
Revenue Growth (YoY)
8.5%
Earnings Growth (YoY)
33.0%
Profit Margin
5.9%
Valuation Premium vs History
+1.2% premium
PE vs Historical
8.3 vs 8.0
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.2%
(market-implied from PE analysis)
1-Year Target
$81.87
(+1%)
2-Year Target
$82.85
(+2%)
3-Year Target
$83.85
(+4%)
3-Yr Target (if PE normalizes)
(PE: 8→8)
PE COMPRESSION
$80.84
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.0, Growth: 11.3%)
$296.57
(+267%)
Base:
(SPY PE: 8.3, Growth: 11.3%)
$111.65
(+38%)
Bear:
(PE: 7.1, Growth: 11.3%)
$94.91
(+17%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (17x PE), but valuation improves significantly next year (8x PE) as earnings recover.
Trailing PE: 17.41 | Current EPS (TTM): $4.62
Bull Case
$176.95
(+119%)
Analyst growth 100.0%, PE expands to 19.2
Base Case
$160.86
(+99%)
Market implied 100.0%, PE stable at 17.4
Bear Case
$54.69
(-32%)
Severe decline -20.0%, PE contracts to 14.8
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: May 14, 2026 10:47 PM ET
Data refreshes hourly during market hours. Next update: 11:47 PM
Data refreshes hourly during market hours. Next update: 11:47 PM
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Technical Signals Check
Is UNM showing a specific setup today?
Insider Activity (6 Months)
0
Buys
6
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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