Unum Group (UNM) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Unum Group stock (UNM) is currently trading at $74.50. Unum Group PE ratio is 17.45. Unum Group PS ratio (Price-to-Sales) is 0.95. Analyst consensus price target for UNM is $93.15. WallStSmart rates UNM as Hold.
- UNM PE ratio analysis and historical PE chart
- UNM PS ratio (Price-to-Sales) history and trend
- UNM intrinsic value — DCF, Graham Number, EPV models
- UNM stock price prediction 2025 2026 2027 2028 2029 2030
- UNM fair value vs current price
- UNM insider transactions and insider buying
- Is UNM undervalued or overvalued?
- Unum Group financial analysis — revenue, earnings, cash flow
- UNM Piotroski F-Score and Altman Z-Score
- UNM analyst price target and Smart Rating
Unum Group
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UNM Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Unum Group (UNM)
UNM trades 146% above its Graham fair value of $29.04, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Unum Group (UNM) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, peg ratio, price/sales. Concerns around return on equity and operating margin. Fundamentals are solid but monitor weak areas for improvement.
Unum Group (UNM) Key Strengths (5)
Paying less than $1 for every $1 of annual revenue
91.66% of shares held by major funds and institutions
Large-cap company with substantial market presence
Good growth relative to its price
Trading at 1.07x book value, attractively priced
Supporting Valuation Data
Unum Group (UNM) Areas to Watch (5)
Earnings declining -45.90%, profits shrinking
Very thin margins with limited operational efficiency
Revenue growing slowly at 0.20% annually
Low profitability relative to shareholder equity
Thin profit margins with limited profitability
Unum Group (UNM) Detailed Analysis Report
Overall Assessment
This company scores 56/100 in our Smart Analysis, earning a C grade. Out of 10 metrics analyzed, 5 register as strengths (avg 9.0/10) while 5 fall into concern territory (avg 2.2/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Sales, Institutional Own., Market Cap. Valuation metrics including PEG Ratio (1.03), Price/Sales (0.95), Price/Book (1.07) suggest the stock is attractively priced.
The Bear Case
The primary concerns are EPS Growth, Operating Margin, Revenue Growth. Growth concerns include Revenue Growth at 0.20%, EPS Growth at -45.90%, which may limit upside. Profitability pressure is visible in Return on Equity at 6.69%, Operating Margin at 8.35%, Profit Margin at 5.65%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 6.69% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 0.20% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Price/Sales, Institutional Own.) and negatives (EPS Growth, Operating Margin). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
UNM Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
UNM's Price-to-Sales ratio of 0.95x sits near its historical average of 0.94x (71th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 1% below its historical high of 0.96x set in Mar 2026, and 4% above its historical low of 0.92x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Unum Group (UNM) · FINANCIAL SERVICES › INSURANCE - LIFE
The Big Picture
Unum Group is a strong growth company balancing expansion with improving profitability. Revenue reached 13.1B with 20% growth year-over-year. Profit margins are thin at 5.7%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
ROE of 669.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 320M in free cash flow and 358M in operating cash flow. Earnings are translating into actual cash generation.
Earnings fell 46% YoY while revenue grew 20%. This gap usually reflects one-time items (tax benefits, write-offs) in the prior period, not an operational decline.
What to Watch Next
Margin expansion: can Unum Group push profit margins above 15% as the business scales?
Sector dynamics: monitor INSURANCE - LIFE industry trends, competitive moves, and regulatory changes that could impact Unum Group.
Bottom Line
Unum Group offers an attractive blend of growth (20% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(47 last 3 months)
| Insider | Type | Shares |
|---|---|---|
PYNE, CHRISTOPHER W EVP, Group Benefits | Sell | -4,852 |
| Insider | Type | Shares |
|---|---|---|
TILL, MARK PAUL EVP & CEO, Unum International | Sell | -1,607 |
| Insider | Type | Shares |
|---|---|---|
IGLESIAS, LISA G EVP, General Counsel | Sell | -3,500 |
| Insider | Type | Shares |
|---|---|---|
PYNE, CHRISTOPHER W EVP, Group Benefits | Sell | -938 |
Data sourced from SEC Form 4 filings
Last updated: 8:24:17 AM
About Unum Group(UNM)
NYSE
FINANCIAL SERVICES
INSURANCE - LIFE
USA
Unum Group is a Chattanooga, Tennessee-based Fortune 500 insurance company formerly known as UnumProvident.