Is CNO or UNM more undervalued in 2026?

CirclFi compares CNO Financial Group, Inc. (CNO) and Unum Group (UNM) using 13 institutional-grade valuation models. CNO has a Quality of Company score of 7.1/10 while UNM scores 7.3/10.

Which is a better buy — CNO or UNM?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do CNO and UNM valuations compare?

CNO at $45.97 and UNM at $83.23 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

CNO vs UNM Valuation Comparison 2026 — Intrinsic Value Analysis

CNO

Accident & Health Insurance

CNO Financial Group, Inc.

Quality

7.1

out of 10

Value Trap

SAFE

Price

$45.97

Last close

Models

10/13

Active

UNM

Accident & Health Insurance

Unum Group

Quality

7.3

out of 10

Value Trap

—

Price

$83.23

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	CNO Fair Value	CNO Upside	UNM Fair Value	UNM Upside
Bayesian DCF	Intrinsic	$62.25	+35.4%	$50.36	-39.5%
Earnings Power Value	Intrinsic	$64.86	+41.1%	$27.99	-66.4%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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CNO vs UNM — Which Stock Is More Undervalued?

UNM scores higher with a 7.3/10 quality rating vs CNO's 7.1/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing CNO Financial Group, Inc. (CNO) and Unum Group (UNM) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

CNO currently trades at $45.97 with a QOC of 7.1/10, while UNM trades at $83.23 with a QOC of 7.3/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).