UNM Fair Value Estimate
$322.75299.2% undervalued
Blended fair value estimate based on DCF, Graham Number, and earnings-based models.
Unum Group
Exchange: NYSESector: Financial ServicesIndustry: Insurance - Life
Unum Group, a leading international provider of workplace benefits and services, has been helping workers and their families thrive for more than 175 years. Through its Unum and Colonial Life brands, the company offers disability, life, accident, critical illness, dental, and vision insurance; leave and absence management support; and behavioral health services. In 2024, Unum Group reported revenues of $12.9 billion and paid $8.0 billion in benefits. The Fortune 500 company is recognized as one of the World’s Most Ethical Companies by Ethisphere®. Visit the Unum Group newsroom for more information, and connect with us on LinkedIn, Facebook and Instagram.
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Net income compounded at -6.4% annually over 6 years.
Current Price
$80.84
+0.57%GoodMoat Value
$322.75
299.2% undervaluedProfile
Valuation (TTM)
Market Cap$13.24B
P/E16.94
EV—
P/B1.19
Shares Out163.75M
P/Sales0.99
Revenue$13.34B
EV/EBITDA12.66
Unum Group (UNM) Valuation
UNM Valuation Metrics
FCF$555.40M
FCF Growth Rate-14.84%
EPS Growth (CAGR)-6.43%
WACC10.00%
Fair Value Models
Graham Number, PEG-based, and Earnings-based models
View Fair Value →UNM Valuation & Fair Value Analysis
Unum Group (UNM) valuation analysis using multiple fair value methodologies. GoodMoat calculates a blended fair value target using discounted cash flow (DCF) analysis, the Graham Number, and earnings-based valuation models.
The GoodMoat Fair Value target for Unum Group is $322.75. The current stock price is $80.84, suggesting the stock is 299.2% undervalued.
The price-to-earnings (P/E) ratio is 16.94. Price-to-book ratio is 1.19. Price-to-sales ratio is 0.99. Enterprise value to EBITDA is 12.66. PEG ratio is 0.51.
GoodMoat's valuation models include the Graham Number (based on EPS and book value), an earnings-based model (discounted future EPS), and a PEG-adjusted valuation. The three models are averaged to produce a blended fair value estimate. Use these tools alongside the DCF calculator and reverse DCF to form a comprehensive view of Unum Group's intrinsic value.