Unum Group (UNM)

NYSE · Financial · Insurance - Life · USA

Unum Group is a large cap company (market value between $10 billion and $200 billion) in the Insurance - Life industry.

Intrinsic value, DCF valuation, financial health and value investing analysis for the Unum Group stock.

Our verdict on UNM

Overvalued: intrinsic value $56.25 per share, market price $93.43, margin of safety -66.1% (as of 2026-10-20).

Book value at 0.77x, the multiple a 6.3% return on equity justifies, blended with earnings, values the shares at $56.25; the price of $93.43 is 66% above that value.

Leak Score: 47/100 on 12 of 12 signals (On Watch).

ETFs with the most weight in UNM

17 more funds hold it; the full list is part of the paid plan.

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Cheaper than UNM in Insurance - Life

6 more in this industry show a wider margin of safety.

Is UNM undervalued or overvalued?

UNM is overvalued (as of the 2026-10-20 close). Book value at 0.77x, the multiple a 6.3% return on equity justifies, blended with earnings, values the shares at $56.25; the price of $93.43 is 66% above that value.

What is the intrinsic value of UNM?

$56.25 per share (as of the 2026-10-20 close), against a market price of $93.43. That is a margin of safety of -66.1%. The value is the average of the valuation methods that apply to this company, recomputed every night after the US close.

What is Unum Group's Leak Score?

47 out of 100, which we rate "On Watch", on 12 of 12 value investing signals.