Is It Too Late To Revisit Unum Group (UNM) After Its Strong Multi‑Year Rally?

Simply Wall St.01-29

If you are wondering whether Unum Group at around US$76 a share still offers solid value after its long run, this article will walk through what the current price might be implying. The stock has ...

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The stock has ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/insurance/nyse-unm/unum-group/news/is-it-too-late-to-revisit-unum-group-unm-after-its-strong-mu\">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 It Too Late To Revisit Unum Group (UNM) After Its Strong Multi‑Year Rally?</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 It Too Late To Revisit Unum Group (UNM) After Its Strong Multi‑Year Rally?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-01-29 15:40 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/us/insurance/nyse-unm/unum-group/news/is-it-too-late-to-revisit-unum-group-unm-after-its-strong-mu><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 at around US$76 a share still offers solid value after its long run, this article will walk through what the current price might be implying. The stock has ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/insurance/nyse-unm/unum-group/news/is-it-too-late-to-revisit-unum-group-unm-after-its-strong-mu\">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":"LU0963586101.USD","symbol_name":"ALLIANZ GLOBAL SMALL CAP EQUITY \"AT\" ACC","start_time":0,"source_url":"https://simplywall.st/stocks/us/insurance/nyse-unm/unum-group/news/is-it-too-late-to-revisit-unum-group-unm-after-its-strong-mu","article_id":"2607808188","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-it-too-late-to-revisit-unum-group-unm-after-its-strong-mu","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2607808188","pubTimestamp":1769672403,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"If you are wondering whether Unum Group at around US$76 a share still offers solid value after its long run, this article will walk through what the current price might be implying.\nThe stock has barely moved over the last year with a 0.4% return, even after a very strong 3 year return of about 90% and a very large 5 year gain that is close to 3x.\nRecent attention on Unum Group has largely focused on its position as a US life and disability insurer, with investors weighing how its risk...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"LU0963586101.USD":"ALLIANZ GLOBAL SMALL CAP EQUITY \"AT\" ACC","UNMA":"Unum Group","BK4162":"人寿与健康保险","UNM":"尤纳姆集团"},"translate_title":"在Unum Group(UNM)多年强劲反弹之后，现在重新审视其是否为时已晚？","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"UNM":1,"UNMA":1.5},"content_text":"If you are wondering whether Unum Group at around US$76 a share still offers solid value after its long run, this article will walk through what the current price might be implying. The stock has barely moved over the last year with a 0.4% return, even after a very strong 3 year return of about 90% and a very large 5 year gain that is close to 3x. Recent attention on Unum Group has largely focused on its position as a US life and disability insurer, with investors weighing how its risk profile and capital position compare with sector peers. That backdrop helps explain why shorter term returns over 7 days, 30 days and year to date, at 0.5%, 2.9% and 1.2% declines, look quite different to the longer term track record. Right now Unum Group scores 4 out of 6 on our valuation checks. This suggests there is more to unpack as we compare different valuation approaches, and later on we will look at an even richer way to think about what this price might mean for long term investors.  Unum Group delivered 0.4% 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 value a company can create over and above the return that shareholders require. Instead of focusing on raw earnings, it compares the return generated on equity to the cost of that equity, then capitalises those “excess” profits into an intrinsic value per share. For Unum Group, book value is $64.56 per share, with a stable book value estimate of $74.89 per share, based on weighted future book value estimates from 7 analysts. Stable EPS is put at $8.66 per share, drawn from weighted future return on equity estimates from 4 analysts. The model applies an average return on equity of 11.56% and a cost of equity of $5.21 per share, which leaves an excess return of $3.45 per share. When these excess returns are projected forward and discounted, the model arrives at an intrinsic value of about $168.17 per share for Unum Group. Compared with the current share price of around $76, this implies the stock is about 54.6% undervalued on this approach. Result: UNDERVALUED Our Excess Returns analysis suggests Unum Group is undervalued by 54.6%. Track this in your watchlist or portfolio, or discover 876 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 straightforward way to connect what you pay for each share with the earnings that the business is currently generating. It is a quick shorthand for how many years of current earnings the market is pricing into the stock. What counts as a \"normal\" P/E often reflects what investors expect for earnings growth and how they view the company’s risk profile. Higher expected growth or lower perceived risk can support a higher P/E, while lower growth expectations or higher risk usually point to a lower P/E being reasonable. Unum Group is currently trading on a P/E of 13.98x. That sits above the Insurance industry average P/E of 12.82x and the peer group average of 9.52x. Simply Wall St’s Fair Ratio for Unum Group is 16.69x, which is its proprietary estimate of what the P/E might be based on factors such as earnings characteristics, industry, profit margins, market cap and company specific risks. Because the Fair Ratio blends these company specific factors instead of relying only on broad peer or industry comparisons, it can give a more tailored view of what looks reasonable. With the Fair Ratio of 16.69x above the actual 13.98x P/E, this approach points to Unum Group looking undervalued on earnings. 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 1417 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. A Narrative is simply your story about a company, where you spell out what you think its future revenue, earnings and margins might look like, and link that story to a financial forecast and a fair value estimate. On Simply Wall St, used by millions of investors, you can build and compare Narratives on the Community page, then see how your fair value stacks up against the current share price to help you decide whether Unum Group looks attractive or stretched on your assumptions. Narratives update automatically as new information such as news or earnings is added, so your view can stay aligned with the latest data without you rebuilding everything from scratch. For example, one Unum Group Narrative might assume a very optimistic outlook with a higher fair value, while another might assume more conservative profitability and arrive at a much lower fair value. This can give you a clear sense of the range of opinions in the market. 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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