Is Unum Group (UNM) Still Attractive After Its Strong Multi‑Year Share Price Run?

Simply Wall St.01-14

If you are wondering whether Unum Group stock still offers value after its recent run, this article walks through what the current price might be implying. The share price recently closed at US$79.33,...

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The share price recently closed at US$79.33,...</p>\n\n<a href=\"https://simplywall.st/stocks/us/insurance/nyse-unm/unum-group/news/is-unum-group-unm-still-attractive-after-its-strong-multiyea\">Source Link</a>\n\n</div>\n","source":"simplywall_highlight","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is Unum Group (UNM) Still Attractive After Its Strong Multi‑Year Share Price Run?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs Unum Group (UNM) Still Attractive After Its Strong Multi‑Year Share Price Run?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-01-14 19:32 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/us/insurance/nyse-unm/unum-group/news/is-unum-group-unm-still-attractive-after-its-strong-multiyea><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>If you are wondering whether Unum Group stock still offers value after its recent run, this article walks through what the current price might be implying. The share price recently closed at US$79.33,...</p>\n\n<a href=\"https://simplywall.st/stocks/us/insurance/nyse-unm/unum-group/news/is-unum-group-unm-still-attractive-after-its-strong-multiyea\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK4162","symbol_name":"人寿与健康保险","start_time":0,"source_url":"https://simplywall.st/stocks/us/insurance/nyse-unm/unum-group/news/is-unum-group-unm-still-attractive-after-its-strong-multiyea","article_id":"2603610363","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/industry/7212000-choice2-main-header/1585186560665"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/us/insurance/nyse-unm/unum-group/news/is-unum-group-unm-still-attractive-after-its-strong-multiyea","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2603610363","pubTimestamp":1768390332,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"If you are wondering whether Unum Group stock still offers value after its recent run, this article walks through what the current price might be implying.\nThe share price recently closed at US$79.33, with returns of 0.9% over 7 days, 2.9% over 30 days, 2.7% year to date, 11.2% over 1 year and a very large gain over 5 years.\nRecent commentary around Unum Group has focused on how investors are reassessing insurers in general and what that could mean for pricing power and balance sheet...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4162":"人寿与健康保险","LU0963586101.USD":"ALLIANZ GLOBAL SMALL CAP EQUITY \"AT\" ACC","UNMA":"Unum Group","UNM":"尤纳姆集团"},"translate_title":"Unum Group(UNM)在经历多年强劲的股价上涨后仍然具有吸引力吗？","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"UNM":1,"UNMA":1.5},"content_text":"If you are wondering whether Unum Group stock still offers value after its recent run, this article walks through what the current price might be implying. The share price recently closed at US$79.33, with returns of 0.9% over 7 days, 2.9% over 30 days, 2.7% year to date, 11.2% over 1 year and a very large gain over 5 years. Recent commentary around Unum Group has focused on how investors are reassessing insurers in general and what that could mean for pricing power and balance sheet strength. This broader conversation gives useful context for thinking about whether the current share price for Unum Group lines up with its fundamentals. Right now Unum Group has a valuation score of 3 out of 6. We will look at how different methods such as multiples and cash flow based approaches stack up, then finish with a framework that can give you an even clearer view of value.  Unum Group delivered 11.2% returns over the last year. See how this stacks up to the rest of the Insurance industry. AdvertisementApproach 1: Unum Group Excess Returns Analysis The Excess Returns model looks at how much profit a company is expected to generate above the return that shareholders require, and then capitalizes those extra profits into an estimate of intrinsic value per share. For Unum Group, the starting point is its book value of $64.56 per share and an average expected Return on Equity of 11.53%. Based on analyst inputs, this translates into a stable earnings figure of $8.63 per share, with the stable EPS figure sourced from weighted future Return on Equity estimates from 4 analysts. The model assumes a cost of equity of $5.21 per share, so the excess return is $3.42 per share. That excess is then applied to a stable book value of $74.88 per share, based on weighted future Book Value estimates from 7 analysts, to arrive at an intrinsic value estimate. Using this approach, the Excess Returns valuation implies an intrinsic value of about $167.53 per share. Compared with the recent share price of $79.33, the model suggests the stock is around 52.6% undervalued. Result: UNDERVALUED Our Excess Returns analysis suggests Unum Group is undervalued by 52.6%. Track this in your watchlist or portfolio, or discover 885 more undervalued stocks based on cash flows. UNM Discounted Cash Flow as at Jan 2026 Head to the Valuation section of our Company Report for more details on how we arrive at this Fair Value for Unum Group. Approach 2: Unum Group Price vs Earnings For a profitable insurer like Unum Group, the P/E ratio is a practical way to gauge what the market is currently willing to pay for each dollar of earnings. It is simple to interpret and directly ties the share price to the company’s bottom line. What counts as a “normal” P/E usually reflects how the market views a company’s growth potential and risk. Higher expected growth or perceived resilience can justify a higher P/E, while higher risk or lower expected growth often supports a lower one. Unum Group is trading on a P/E of 14.54x. That sits above the Insurance industry average of 12.55x and also above the peer group average of 9.43x. Simply Wall St’s Fair Ratio framework goes a step further by estimating what P/E might be reasonable at 16.71x once factors such as earnings growth, profit margins, market cap, industry and company specific risks are taken into account. Because the Fair Ratio of 16.71x is higher than the current P/E of 14.54x, this approach points to Unum Group trading below what Simply Wall St’s model suggests could be a more fitting multiple. Result: UNDERVALUED NYSE:UNM P/E Ratio as at Jan 2026 P/E ratios tell one story, but what if the real opportunity lies elsewhere? Discover 1443 companies where insiders are betting big on explosive growth. Upgrade Your Decision Making: Choose your Unum Group Narrative Earlier we mentioned that there is an even better way to understand valuation, so let us introduce you to Narratives. Here you set out your own story for Unum Group, link that story to specific forecasts for revenue, earnings and margins, and then compare the fair value you get with the current price. All of this is available within an easy tool on Simply Wall St’s Community page that updates automatically when new news or earnings arrive. It can reflect very different views, such as one investor focusing on capital strength and buybacks to support higher future pricing power and a fair value close to US$108.0, while another is more cautious about long term care risks, competition and margins and is comfortable with a fair value near US$79.0. Do you think there's more to the story for Unum Group? Head over to our Community to see what others are saying! NYSE:UNM 1-Year Stock Price Chart  This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.New: AI Stock Screener & AlertsOur new AI Stock Screener scans the market every day to uncover opportunities.• Dividend Powerhouses (3%+ Yield)• Undervalued Small Caps with Insider Buying• High growth Tech and AI CompaniesOr build your own from over 50 metrics.Explore Now for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. 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