Historical Valuation
Unum Group (UNM) is now in the Overvalued zone, suggesting that its current forward PE ratio of 8.69 is considered Overvalued compared with the five-year average of 6.53. The fair price of Unum Group (UNM) is between 60.94 to 78.84 according to relative valuation methord. Compared to the current price of 80.29 USD , Unum Group is Overvalued By 1.83%.
Relative Value
Fair Zone
60.94-78.84
Current Price：80.29
1.83%
Overvalued
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
Unum Group (UNM) has a current Price-to-Book (P/B) ratio of 1.20. Compared to its 3-year average P/B ratio of 1.06 , the current P/B ratio is approximately 12.95% higher. Relative to its 5-year average P/B ratio of 0.88, the current P/B ratio is about 36.01% higher. Unum Group (UNM) has a Forward Free Cash Flow (FCF) yield of approximately 5.33%. Compared to its 3-year average FCF yield of 10.86%, the current FCF yield is approximately -50.90% lower. Relative to its 5-year average FCF yield of 11.25% , the current FCF yield is about -52.59% lower.
P/B
Median3y
1.06
Median5y
0.88
FCF Yield
Median3y
10.86
Median5y
11.25
Competitors Valuation Multiple
AI Analysis for UNM
The average P/S ratio for UNM competitors is 1.47, providing a benchmark for relative valuation. Unum Group Corp (UNM.N) exhibits a P/S ratio of 0.95, which is -35.21% above the industry average. Given its robust revenue growth of 5.02%, this premium appears unsustainable.
Performance Decomposition
AI Analysis for UNM
1Y
3Y
5Y
Market capitalization of UNM increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of UNM in the past 1 year is driven by Unknown.
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Frequently Asked Questions
Is UNM currently overvalued or undervalued?
Unum Group (UNM) is now in the Overvalued zone, suggesting that its current forward PE ratio of 8.69 is considered Overvalued compared with the five-year average of 6.53. The fair price of Unum Group (UNM) is between 60.94 to 78.84 according to relative valuation methord. Compared to the current price of 80.29 USD , Unum Group is Overvalued By 1.83% .
What is Unum Group (UNM) fair value?
UNM's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Unum Group (UNM) is between 60.94 to 78.84 according to relative valuation methord.
How does UNM's valuation metrics compare to the industry average?
The average P/S ratio for UNM's competitors is 1.47, providing a benchmark for relative valuation. Unum Group Corp (UNM) exhibits a P/S ratio of 0.95, which is -35.21% above the industry average. Given its robust revenue growth of 5.02%, this premium appears unsustainable.
What is the current P/B ratio for Unum Group (UNM) as of Jan 10 2026?
As of Jan 10 2026, Unum Group (UNM) has a P/B ratio of 1.20. This indicates that the market values UNM at 1.20 times its book value.
What is the current FCF Yield for Unum Group (UNM) as of Jan 10 2026?
As of Jan 10 2026, Unum Group (UNM) has a FCF Yield of 5.33%. This means that for every dollar of Unum Group’s market capitalization, the company generates 5.33 cents in free cash flow.
What is the current Forward P/E ratio for Unum Group (UNM) as of Jan 10 2026?
As of Jan 10 2026, Unum Group (UNM) has a Forward P/E ratio of 8.69. This means the market is willing to pay $8.69 for every dollar of Unum Group’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for Unum Group (UNM) as of Jan 10 2026?
As of Jan 10 2026, Unum Group (UNM) has a Forward P/S ratio of 0.95. This means the market is valuing UNM at $0.95 for every dollar of expected revenue over the next 12 months.