Unum Group (UNM) Fair Value 2026

UNM · Insurance - Life ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.2 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-08-28, Unum Group (UNM) trades at $93.05, versus a $114.01 median fair value across its 6 active models — 22.5% above the current price. QOC: 7.2/10. Value Trap Risk: 0/100 (SAFE). 6/13 models active.

Key Facts

Ticker
UNM
Price
$93.05
Quality Score
7.2/10
Value Trap Risk
0/100
Models Active
6/13
Last Updated
Strength: Markov DDM suggests +171.6% upside with 58% confidence
Risk: Limited model coverage (6/13) may reduce confidence

Is Unum Group (UNM) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, Unum Group (UNM) appears undervalued as of : the median of 6 independent fair value estimates is $114.01, 22.5% above the current price of $93.05. Estimates range from $53.87 to $252.68. UNM scores 7.2/10 on fundamental quality and 0/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. UNM’s +22.5% gap is narrower than that market norm, and the Insurance - Life sector median is +10.7%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Unum Group Stock in 2026? →

What Fair Value Does Each Model Give UNM?

6 Intrinsic Value Models vs. Current Price ($93.05)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $117.65 +26.4%
Ensemble · Low Conviction
 $113.81 +22.3%
Intrinsic · High Conviction
 $252.68 +171.6%
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What Is UNM's Fair Value Range?

Spread across 6 independent models · $53.87 to $252.68

CirclFi's 6 active models place Unum Group (UNM) between $53.87 and $252.68 per share, a spread of 174% of the median. The median of that range — $114.01 — is the fair value CirclFi publishes for UNM, against a current price of $93.05.

Low · ML-RIVHigh · Markov DDM
$53.87median $114.01$252.68
Where the range comes from
Most bearish modelML Residual Income$53.87
Most bullish modelMarkov DDM$252.68
Model agreement4 bullish · 2 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for UNM. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on UNM, not a CirclFi price target. How each model works →

What Is Unum Group (UNM) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, our multi-model framework produces a cautiously optimistic read on Unum Group at $93.05. With an estimated intrinsic value of $114.01 and 4 of 6 models pointing higher, the median implied return is +22.5%. The most optimistic model, Markov DDM, places fair value at $252.68 (+171.6%), while ML-RIV — the most conservative — estimates $53.87 (-42.1%). This +213.7% gap reflects genuine analytical uncertainty about Unum Group's intrinsic worth. Among models with highest confidence, EPV lean bullish — adding weight to the bullish side of the thesis.

What Do the Models Say About UNM?

6 of 13 models are currently active for UNM. Of these, 4 models suggest upside while 2 models suggest overvaluation. Taken together, their median fair value for UNM is $114.01 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does UNM Rank in Insurance - Life?

Among 17 Insurance - Life stocks, UNM ranks #14 by Quality of Company score. CirclFi's QOC score of 7.2/10 evaluates 32 fundamental signals. A score of 7.2 indicates above-average quality.

The Insurance - Life 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?

CirclFi's Value Trap algorithm assigns UNM a score of 0/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for Unum Group. Moderate coverage provides meaningful perspective. 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 7.2/10. This respectable 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 +213.7% — 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 6 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 →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Unum Group Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Insurance - Life Stocks Should You Also Analyze?

10 related Insurance - Life stocks with 13-model coverage

CNOCNO Financial Group, Inc.QOC 7.3GNWGenworth Financial, Inc.QOC 7.1LNCLincoln National CorporationQOC 7.5AAMEAtlantic American CorporationQOC 6.6PRUPrudential Financial, Inc.QOC 7.6PUKPrudential plcQOC 2.7PRIPrimerica, Inc.QOC 9.2FGF&G Annuities & Life, Inc.QOC 7.9AFLAflac IncorporatedQOC 7.8GLGlobe Life Inc.QOC 8.6

Read investment analysis: CNO · GNW · LNC · AAME · PRU · PUK · PRI · FG · AFL · GL

Which Other Stocks Have a Similar Quality Score to UNM?

7 companies across all industries closest to UNM’s Quality of Company score of 7.2/10.

FDXFFedEx Freight Holding Company, Inc.QOC 7.2FTSFortis Inc.QOC 7.2SFNCSimmons First National CorporationQOC 7.2FSIFlexible Solutions International, Inc.QOC 7.2NRUCNational Rural Utilities CooperQOC 7.2CULLCullman Bancorp, Inc.QOC 7.2NVDANVIDIA CorporationQOC 10.0

Read investment analysis: FDXF · FTS · SFNC · FSI · NRUC · CULL · NVDA

What Else Do Investors Ask About Unum Group’s Valuation?

What is Unum Group's intrinsic value in 2026?

CirclFi puts Unum Group (UNM)'s intrinsic value at $114.01 — the median of 6 independent model estimates as of 2026-08-28, ranging from $53.87 to $252.68. The Quality of Company score is 7.2/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is UNM overvalued or undervalued right now?

At $93.05, 4 of 6 active models suggest UNM may be undervalued, while 2 indicate potential overvaluation. The median of all 6 fair value estimates is $114.01, 22.5% above the current price of $93.05 — a consensus view that UNM is undervalued. The assessment depends on which methodology best fits Unum Group's business model in Insurance - Life.

What does a Quality of Company score of 7.2 mean for UNM?

Unum Group's QOC of 7.2/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on UNM?

CirclFi analyzes UNM with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on UNM?

Of the 6 models currently active on UNM, Markov DDM is the most bullish at $252.68 per share, and ML Residual Income is the most bearish at $53.87. CirclFi's published fair value for UNM is the median of that range, $114.01, not either extreme. The gap between the two ends equals 174% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is UNM a value trap in 2026?

Unum Group's Value Trap score is 0/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, Unum Group (UNM) has a median fair value of $114.01 — 22.5% above the current price of $93.05 — as of 2026-08-28.” Source: circlfi.com/stock/UNM/ · Methodology
Primary sources for this UNM valuation
  • Financial statements: Unum Group 10-K and 10-Q filings on SEC EDGAR (CIK 0000005513) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for UNM as of ; valuations recomputed .

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