Unum (UNM)
NYSEFinancialsInsurance - LifeSnapshot 2026-09-14
$94.92+0.53%
Close 2026-09-14 · 1-day change
NYSEFinancialsInsurance - LifeSnapshot 2026-09-14
Research Workspace
Put UNM beside peers and holdings, graph the same metric, and keep your notes with the evidence.
Daily closes. Earnings/event dots are placed inline.
Industries move in repeating boom-and-bust cycles. This shows where this stock’s industry sits in that cycle, stage by stage (recovery → expansion → supercycle → steady → deceleration → contraction), from its fundamentals (orders, revenue, capital spending), not the stock’s price.
A booming industry is a tailwind for the names in it; a contracting one is a headwind. Companies in the same industry tend to rise and fall together with the cycle, the way a tide lifts and lowers every boat in the harbor at once, so a large part of a stock’s swing can come from where its industry sits rather than from the company itself. It’s context for reading the company’s results, not a buy/sell call. Full explanation →
Financials is in steady. Describes the industry's cycle state, not a call on this stock.
The stage band shows the industry’s cycle over the chart’s timeline (each color a stage); a ▼ marks a quarter its growth inflected down — amber is an unconfirmed watch, red is confirmed the next quarter. Use “Overlay cycle on chart” to tint the price chart by stage. The industry’s fundamentals, not a signal on this stock.
Recent financial performance freshly dropped to the bottom half of its industry.
View ThesisRevenue is growing steadily — about 3% over the past year.
View GrowthRanks in the weakest quality tier of its industry — roughly the bottom 44%, softest on free-cash-flow margins.
View QualityManagement screens weak on capital allocation, earnings delivery, market reaction to earnings.
View ManagementExpectations look reasonable — what the market is pricing in sits in line with or below what analysts forecast.
View ValuationRelatively steady — typically moves about 1% a day.
View RiskUNM's recent financial performance has weakened, moving from the robust half to the weak half of its sector. Revenue growth has been steady, with the latest quarter beating expectations. UNM trades at 15× P/E versus a peer median of 12×, indicating modest growth expectations priced in. The risk lies in the recent drop in performance, which could lead to further declines if guidance is cut. Peer multiples imply a price roughly in line with where it trades (about fair). This read is provisional.
Trailing returns as of 2026-09-14. UNM is total return (includes dividends); the S&P 500 benchmark is price return (the index excludes dividends).
Based on 13 analysts currently covering UNM (as of Sep 2026).
Based on 7 Wall Street analysts offering 12-month price targets for UNM in the last 4 months.
Continue this research
Compare UNM with peers and holdings, graph the same reported metric, keep your questions beside the evidence, and return when the facts change.
Free account required to save the handoff. No credit card.
| Compare | Company | Living FV | P/E | Revenue % | Quality |
|---|---|---|---|---|---|
| UNM Selected company | Graph | Compare | Trend | Review | |
| Peer Add a competitor | Graph | Compare | Trend | Review | |
| Holding Compare a holding | Graph | Compare | Trend | Review |
Selected metric trend
Quarterly · checked companies · value or % of revenue
A consensus fair price across 8 valuation methods, at three horizons. As of 2026-09-14. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A price-focused, side-by-side fair-value read versus Life & Health Insurance — fair value, gap to price, and forward P/E.
Compare the value case
Put UNM next to peers and holdings, compare Living FV and multiples, then graph the driver behind the difference.
Significant share price drop indicates market concerns.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
End-of-day figures as of 2026-09-14. EPS is implied from price ÷ P/E. Not investment advice.
Current $94.92
The last 12 months of price, then the range of analyst 12-month targets from today’s $94.92.
Analyst ratings and price targets are third-party Wall Street estimates, not QuarterlyIQ’s view. Not investment advice.
A long-thesis check that carries the widest uncertainty of the three horizons.
Below average on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Threatens: Execute Closed Block long-term care reinsurance strategy
Earnings softness may hinder long-term care reinsurance strategy.
Advances: Maintain strong operating income growth
Strong revenue beat supports operating income growth objective.
Advances: Execute Closed Block long-term care reinsurance strategy
Reinsurance deal supports long-term care strategy execution.
Advances: Execute Closed Block long-term care reinsurance strategy
Long-term care reinsurance deal supports growth strategy.
Advances: Increase quarterly dividend to $0.505 per share
Dividend declaration aligns with capital allocation objective.
Advances: Execute Closed Block long-term care reinsurance strategy
Positive price target reflects confidence in LTC reinsurance strategy.
Advances: Execute Closed Block long-term care reinsurance strategy
Divestiture aligns with long-term care reinsurance strategy.