UNM

Unum Group

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Advanced Chart

80.760

+0.75(0.937%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

80.870

Open

79.800

VWAP

80.67

Vol

981.82K

Mkt Cap

14.08B

Low

79.790

Amount

79.21M

EV/EBITDA(TTM)

7.58

Total Shares

189.38M

17.59B

EV/OCF(TTM)

11.21

P/S(TTM)

1.17

Unum Group is an international provider of workplace benefits and services. The Company, through its Unum and Colonial Life brands, offers disability, life, accident, critical illness, dental, and vision insurance; leave and absence management support; and behavioral health services. The Company's segments include Unum US, Unum International, and Colonial Life. Unum US segment is comprised of group disability, group life and accidental death and dismemberment, and supplemental and voluntary lines of business. The supplemental and voluntary line of business includes voluntary benefits, individual disability, and dental and vision products. Unum International segment includes its operations in the United Kingdom and Poland. Unum Poland's business primarily includes insurance for individual and group life with accident and health riders. Colonial Life segment includes the accident, sickness, and disability product line, life product line, and cancer and critical illness product line.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q4

FY2025Q3

FY2025Q2

3.33B

+2.53%

2.336

+15.07%

3.33B

+3.04%

2.295

+7.75%

3.35B

+3.16%

2.215

+2.54%

Estimates Revision

The market is revising Downward the revenue expectations for Unum Group (UNM) for FY2025, with the revenue forecasts being adjusted by -0.43% over the past three months. During the same period, the stock price has changed by 2.16%.

Revenue Estimates for FY2025

Revise Downward

-0.43%

In Past 3 Month

EPS Estimates for FY2025

Revise Downward

-1.7%

In Past 3 Month

Stock Price

Go Up

+2.16%

In Past 3 Month

11 Analyst Rating

19.74% Upside

Wall Street analysts forecast UNM stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for UNM is 96.70 USD with a low forecast of 83.00 USD and a high forecast of 110.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

8 Buy

3 Hold

0 Sell

Moderate Buy

19.74% Upside

Current: 80.760

Low

83.00

Averages

96.70

High

110.00

19.74% Upside

Current: 80.760

Low

83.00

Averages

96.70

High

110.00

Morgan Stanley

Equal Weight

maintain

$83 -> $85

2025-07-14

Reason

Morgan Stanley

Price Target

$83 -> $85

2025-07-14

maintain

Equal Weight

Reason

Morgan Stanley raised the firm's price target on Unum Group to $85 from $83 and keeps an Equal Weight rating on the shares.

Barclays

Alex Scott

Overweight

maintain

$89 -> $96

2025-07-07

Reason

Barclays

Alex Scott

Price Target

$89 -> $96

2025-07-07

maintain

Overweight

Reason

Barclays analyst Alex Scott raised the firm's price target on Unum Group to $96 from $89 and keeps an Overweight rating on the shares as part of a Q2 earnings preview for the North America life insurance group. The firm says equity market strength has lifted long-term earnings and results in upward revisions to its 2026-2027 estimates. It recommends exposure to names with equity leverage and capital flexibility. Barclays highlights Jackson Financial (JXN) as a key Overweight.

Piper Sandler

Overweight

maintain

$88 -> $92

2025-07-03

Reason

Piper Sandler

Price Target

$88 -> $92

2025-07-03

maintain

Overweight

Reason

Piper Sandler raised the firm's price target on Unum Group to $92 from $88 and keeps an Overweight rating on the shares. The firm is reducing its EPS estimates in the space driven by continued fee and spread headwinds. This was confirmed by a rather challenging pre-announcement of variable investment income from MetLife (MET) in late June suggesting this swing factor for a large chunk of lifecoland got sequentially worse, which also - in Piper's opinion - pushes out the normalization factor towards 2026.

Wells Fargo

NULL

Overweight

upgrade

$97 -> $105

2025-07-01

Reason

Wells Fargo

Price Target

$97 -> $105

2025-07-01

upgrade

NULL

Overweight

Reason

Wells Fargo raised the firm's price target on Overweight-rated Unum Group to $105 from $97, while adding the name to the Q3 Tactical Ideas List. The firm sees several upcoming catalysts, especially closing its LTC deal/capital update and potential for future transactions, as well as Q2 results.

UBS

Michael Ward

Neutral

downgrade

$91 -> $89

2025-05-23

Reason

UBS

Michael Ward

Price Target

$91 -> $89

2025-05-23

downgrade

Neutral

Reason

UBS analyst Michael Ward lowered the firm's price target on Unum Group to $89 from $91 and keeps a Neutral rating on the shares.

Morgan Stanley

Equal Weight

maintain

$76 -> $83

2025-05-19

Reason

Morgan Stanley

Price Target

$76 -> $83

2025-05-19

maintain

Equal Weight

Reason

Morgan Stanley raised the firm's price target on Unum Group to $83 from $76 and keeps an Equal Weight rating on the shares. The firm is updating its price targets on stocks under its coverage in the Life Insurance sector, the analyst tells investors. Morgan Stanley notes core results held up well and a rebound is expected to occur in 2H25. Overall, valuation is attractive for the sector, the firm says.

See All Ratings

Valuation Metrics

The current forward P/E ratio for Unum Group (UNM.N) is 8.80, compared to its 5-year average forward P/E of 6.12. For a more detailed relative valuation and DCF analysis to assess Unum Group 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

Strongly Overvalued

5Y Average PE

6.12

Current PE

8.80

Overvalued PE

7.39

Undervalued PE

4.86

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

N/A

5Y Average EV/EBITDA

0.34

Current EV/EBITDA

0.00

Overvalued EV/EBITDA

1.45

Undervalued EV/EBITDA

-0.77

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

Overvalued

5Y Average PS

0.65

Current PS

1.04

Overvalued PS

0.86

Undervalued PS

0.45