What Is Unum Group (UNM) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, Unum Group's intrinsic value is estimated at a composite $96.33, showing conflicting signals at the current price of $88.47. While the average implied return is +8.9%, model disagreement is elevated with a gap of +279.6% between the most bullish and bearish estimates. The most optimistic model, Markov DDM, places fair value at $282.22 (+219.0%), while Sentiment SOTP — the most conservative — estimates $34.89 (-60.6%). This +279.6% gap reflects genuine analytical uncertainty about Unum Group's intrinsic worth.
What Do the Models Say About UNM?
12 of 13 models are currently active for UNM. Of these, 6 models suggest upside while 6 models suggest overvaluation. The Bayesian DCF estimates UNM's intrinsic value at $92.71, implying +4.8% upside from the current price. See which stocks rank higher →
How Does UNM Rank in Accident & Health Insurance?
Among 3 Accident & Health Insurance stocks, UNM ranks #1 by Quality of Company score. CirclFi's QOC score of 8.2/10 evaluates 32 fundamental signals. A score of 8.2 places UNM in the top tier.
The Accident & Health Insurance sector introduces analytical considerations specific to insurance industry businesses. For Unum Group, metrics like investment float provide important context that general-purpose valuation models may underweight.
Is UNM a Value Trap?
The Value Trap algorithm is not active for UNM. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for Unum Group. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Quality of Company (QOC) framework, Unum Group earns a quality score of 8.2/10. This robust rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.
The gap between the most bullish and bearish model spans +279.6% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every UNM valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across UNM's 12 active models, average confidence is 46%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
Buy with Gumroad