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UNM Should I Buy

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Intellectia

Should You Buy Unum Group (UNM) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion
Hold
Latest Price
78.730
1 Day change
-0.62%
52 Week Range
83.120
Analysis Updated At
2026/04/17
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Unum Group (UNM) is not a strong buy at the moment for a beginner investor with a long-term focus. While hedge funds are buying, the financial performance has been weak, and the stock is currently overbought based on technical indicators. Additionally, analysts' ratings remain mixed with limited upside potential. It is better to wait for a more favorable entry point or clearer positive catalysts.

Technical Analysis

The MACD is positive and expanding, indicating bullish momentum. However, the RSI is at 82.633, signaling the stock is overbought. Moving averages are converging, suggesting indecision. Key resistance levels are near the current price, with R1 at 79.198 and R2 at 80.971, while support levels are at 73.461 and 71.688.

Options Data

Bullish
Open Interest Put-Call Ratio
Bullish
Option Volume Put-Call Ratio

The low put-call ratios indicate bullish sentiment in the options market, but the implied volatility is high at 31.12, and the IV percentile is at 77.6, suggesting the stock is relatively expensive to trade.

Technical Summary

StrongSellSellNeutralBuyStrongBuydotted line Image
Sell
4
Buy
8

Positive Catalysts

  • Hedge funds are significantly increasing their positions, with a 3640.68% increase in buying activity over the last quarter.

Neutral/Negative Catalysts

  • The company's financial performance in Q4 2025 was weak, with a 50.07% drop in net income and a 45.83% decline in EPS YoY. Analysts have mixed ratings, with several lowering price targets recently. The stock trend analysis predicts a potential decline of -3.23% in the next week.

Financial Performance

In Q4 2025, revenue slightly increased by 0.23% YoY to $3.24 billion. However, net income dropped significantly by 50.07% YoY to $174.1 million, and EPS fell by 45.83% YoY to $1.04. Gross margin remained flat.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Analysts have mixed views. Recent ratings include a Neutral rating from BofA with a lowered price target of $77, UBS raising the target to $85 with a Neutral rating, and Keefe Bruyette assigning an Outperform rating with a $95 target. However, other analysts have also lowered price targets, reflecting concerns about the company's growth and sector challenges.

Wall Street analysts forecast UNM stock price to rise
9 Analyst Rating
Wall Street analysts forecast UNM stock price to rise
6 Buy
3 Hold
0 Sell
Moderate Buy
Current: 79.230
sliders
Low
85
Averages
94
High
115
Current: 79.230
sliders
Low
85
Averages
94
High
115
BofA
Neutral
downgrade
$83 -> $77
AI Analysis
2026-04-14
Reason
BofA
Price Target
$83 -> $77
AI Analysis
2026-04-14
downgrade
Neutral
Reason
BofA lowered the firm's price target on Unum Group to $77 from $83 and keeps a Neutral rating on the shares. The firm adjusted price target among its U.S. insurance coverage to reflect Q4 events and changes to peer multiples.
UBS
Neutral
maintain
$81 -> $85
2026-04-09
Reason
UBS
Price Target
$81 -> $85
2026-04-09
maintain
Neutral
Reason
UBS raised the firm's price target on Unum Group to $85 from $81 and keeps a Neutral rating on the shares. The firm adjusted targets in the North American life insurance group as part of a Q1 earnings preview. UBS expects continued focus on disability margins with "relatively limited wiggle-room" given cyclicality and economic uncertainty. The firm rolled its target to 2027 from 2026 estimates.
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