Check 35,000+ stocks against 26 valuation models and 37 quality factors
Data-driven stock valuation
Which stocks are undervalued right now? Check free
Discover now →
Unum Group (U1NM34) fair value: what the stock is really worth
As of Sep 30, 2026: fair value of Unum Group BRL 117, price BRL 58.65, upside +100.0%, quality 52 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? Yes
- Good quality? Yes
- Add to watchlist
UG
Broad data
Oct 3, 2026
Unum Group
U1NM34 · SAClearly undervaluedStrong Fair Value upside, but quality is only moderate.
✓Fair value R$117.31 · Strongly undervalued (+100.0%)
!Quality 52/100
!Mixed Growth (revenue 3y +2.9 %/yr)
!Thin margins · 5.9% net margin (TTM)
✓Low debt · generates free cash flow
✓0.3% dividend yield · Well covered
!Narrow moat 40/100
What runs behind every stock
26
valuation models
8 families, DCF to NCAV
37
quality factors
margins, balance sheet, cashflow, debt
6
AI factors
moat, what no ratio measures
2,000+
data points
verified, per stock, median
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 3, 2026.
How to read this chart
60‑month range R$58.65 – R$478.11 · fair‑value band R$107.79 – R$141.90 · the R$58.65 price screens below the R$117.31 fair value. Dashed = 300-day average. As of Oct 3, 2026.
Company profile
Unum Group, together with its subsidiaries, provides financial protection benefit solutions in the United States, the United Kingdom, and Poland. It operates through Unum US, Unum International, Colonial Life, and Closed Block segments.
Show more
Unum Group, together with its subsidiaries, provides financial protection benefit solutions in the United States, the United Kingdom, and Poland. It operates through Unum US, Unum International, Colonial Life, and Closed Block segments. The company offers group long-term and short-term disability, group life, and accidental death and dismemberment products; supplemental and voluntary products, such as voluntary benefits, individual disability, and dental and vision products; and accident, sickness, disability, life, and cancer and critical illness products. It also provides group pensions, individual life and corporate-owned life insurance, reinsurance pools and management operations, and other miscellaneous products. The company sells its products to employers for the benefit of employees. It sells its products through field sales personnel, independent brokers, consultants, and independent contractor agent sales force and brokers. Unum Group was formerly known as UnumProvident Corporation and changed its name to Unum Group in March 2007. The company was founded in 1848 and is based in Chattanooga, Tennessee.
Stock analysis
Unum Group (U1NM34) currently trades at R$58.65, while our model-based Fair Value estimate is R$117.31, implying the stock looks roughly 50.0% undervalued today.
Show more
Valuation
Bull case: the Multiples group reads highest at a median of R$313.79 per share, and 6 of the 6 models we run sit above the R$58.65 price.
Bear case: the Dividend Discount group reads lowest at R$123.88, and 0 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: R$107.79 (bear) to R$141.90 (bull), the price of R$58.65 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 52/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Unum Group reported revenue of $13.1B in FY2025 versus $12.0B in FY2022, a compound +2.9%/yr. Reported net income was $739M in FY2025, compounding −19.3%/yr from FY2022.
Key figures
Market cap R$75.0B (≈ $14.4B) · P/E ratio 19.6 · P/S ratio 1.11 · EPS (TTM) R$23.93 · Dividend yield 0.3% · Net margin 5.6% · Return on equity 7.1% · Return on assets (EBIT) 3.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 87% below its 52-week high and at its 52-week low.
For context, the median of 10 Financial Services peers we cover trades at −35% fair-value upside, at 100%, U1NM34 screens cheaper than that median.
Fair Value models
Bear R$107.79
Fair Value R$117.31
Bull R$141.90
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (R$17.05 per share) are deliberately not added.
Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.
Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income
R$294.97
R$309.38
R$336.66
73
Gordon GGM
R$91.89
R$123.88
R$156.34
67
DDM Multi-Stage
R$91.89
R$126.83
R$168.29
64
All 6 models by family
Dividend Discount
Gordon GGM
R$91.89
R$123.88
R$156.34
67
DDM Multi-Stage
R$91.89
R$126.83
R$168.29
64
Multiples
P/E Multiple
R$235.34
R$313.79
R$392.24
63
P/B Multiple
R$307.76
R$410.34
R$512.93
55
Asset-Based
NCAV (Graham)
R$181.71
R$243.50
R$363.43
54
Economic Profit
Residual Income
R$294.97
R$309.38
R$336.66
73
Notify me when U1NM34 reaches fair value
Put U1NM34 on your watchlist. We get in touch as soon as price and fair value meet or the trend turns.
Set up alert →Quality Score breakdown
Overall quality
52/100
Of which business quality 41 · Market factors (momentum, volatility) 15
Profitability
24
Margins and returns on capital today
Quality Growth
34
Are margins and returns improving?
Cashflow
41
Earnings quality: real cash, not paper profit
Fin. Strength
1
Balance sheet, leverage, solvency risk
Investment
84
Disciplined investing over empire-building
Low Volatility
50
Calm price path (market factor)
Momentum
0
Price trend over the last 3–12 months (market factor)
52W Momentum
0
Distance to the 52-week high (market factor)
Net Issuance
100
Share count: buybacks or dilution?
Revenue & earnings trend
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.
59/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+1.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+2.9%
’22
’23
’24
’25
What shareholders gained per year (last 3 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 3 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: EBIT basis.
−10.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year−10.6%
Dividend (yield on the price)0.3%
Profit margin 2022 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.16% → 9%
Growth Forecast
Price in line with expectations
The price assumes less growth than the company has delivered so far and about what analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−1.1%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+1.2%
Yearly sales growth analysts expect, extended to five years.
After inflation (figures in USD, USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −3.4% a year for the price and −1.1% for the forecasts.
Forecast 2026 (sales)−9.0%
Forecast 2027 (sales)+4.4%
Projected 2028 (sales)+4.1%
Projected 2029 (sales)+3.8%
Projected 2030 (sales)+3.5%
Watch U1NM34, get fair value alerts →
Compare Unum Group with another stock
Price, fair value, quality and upside side by side.
Free, no sign-up
Context: sector, industry, market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
Similar stocks
10 more Insurance - Life stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| China Life Insurance Company 601628 | ¥37.43 | ¥49.98 | +34% |
| Ping An Insurance (Group) Company 601318 | ¥53.29 | ¥67.19 | +26% |
| AIA Group 1299 | HK$73.75 | HK$41.69 | −43% |
| Manulife Financial Corporation MFC | $42.59 | $27.37 | −36% |
| MetLife, Inc MET | $94.35 | $54.39 | −42% |
| Great-West Lifeco Inc GWO | C$93.34 | C$42.07 | −55% |
| Aflac Incorporated AFL | $111.18 | $67.02 | −40% |
| Life Insurance Corporation LICI | ₹409.05 | ₹299.19 | −27% |
| Cathay Financial Holding 2882 | 110.50 TWD | 71.47 TWD | −35% |
| China Pacific Insurance (Group) Co 601601 | ¥30.88 | ¥48.28 | +56% |
Explore undervalued stocks
More undervalued Financial Services stocks →
All undervalued stocks
TechnologyFinancial ServicesHealthcareConsumer CyclicalConsumer DefensiveCommunication ServicesIndustrialsEnergyBasic MaterialsReal EstateUtilities Deeply Undervalued StocksUndervalued High-Quality StocksUndervalued Blue-Chip StocksUndervalued Small-Cap StocksUndervalued Dividend Stocks
Try a ready-made strategy
Pick a strategy and jump into the live analysis with that exact screen applied.
🥇 Backtested Best
🏆 Big Names
⭐ Top Rated
💎 Quality on Sale
🚀 Profitable Growth
🧊 Quality Compounders
💵 Dividend Stars
📈 Strong Momentum
📉 Fallen Angels
⚖️ Deeply Undervalued
🔍 Small-Cap Gems
🏰 Moat at a Fair Price
💼 Insider Buying
🎩 Buffett-Style Quality
📚 Peter Lynch GARP
🧮 Greenblatt Magic Formula
🛡️ Graham Defensive
Discover tools
Stock screenerFilter by region, size and sector
Compare toolTwo stocks side by side
Extrinsic Value Calculator…Calculator with industry benchmark
Peter Lynch Fair Value Formula &…Calculator with industry benchmark
Run the numbers yourself: free valuation calculators
Frequently asked questions
Is Unum Group (U1NM34) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of R$117.31 versus a price of R$58.65, about +100% upside (undervalued).
What is the fair value of U1NM34?
Our model-based fair value for Unum Group is R$117.31 (as of Oct 3, 2026), built from audited fundamentals. The current price: R$58.65.
What is the quality score of U1NM34?
Unum Group has a Quality Score of 52/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Unum Group (U1NM34)?
Our model-based price target is the fair value of R$117.31 (as of Oct 3, 2026) from 6 valuation models. Cautious scenario R$107.79, optimistic scenario R$141.90. It is a calculation from audited fundamentals, not an analyst target.
What is the Unum Group stock forecast for 2026?
Our models put fair value at R$117.31, about +100% upside versus a price of R$58.65 (undervalued). Cautious scenario R$107.79, optimistic scenario R$141.90. The calculation is refreshed regularly with new filings.
What is the revenue of Unum Group (U1NM34)?
Unum Group reported trailing-twelve-month revenue of about $13.3B (latest available figure, as of Oct 3, 2026).
Does Unum Group pay a dividend?
Unum Group currently shows a dividend yield of about 0.29% relative to its recent price (as of Oct 3, 2026).
What growth is priced into Unum Group (U1NM34)?
For today's price to be fair in a discounted-cash-flow model, Unum Group would have to grow free cash flow by -1.1 % per year for five years (discount rate 10.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 3 years revenue grew +3.0 % per year. As of Oct 3, 2026.
What discount rate (WACC) does the fair value of U1NM34 use?
Our models discount Unum Group at 10.7 %: a base by market capitalisation (large), damped by beta 0.24, country premium for Brazil. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Unum Group that is -1.1 % per year a year over ten years, using the same discount rate (10.7 %) and the same formula as our fair value.
How much growth has Unum Group (U1NM34) delivered so far?
Over the past 3 years revenue at Unum Group grew +3.0 % a year. The price currently implies -1.1 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Unum Group (U1NM34) growing?
The median revenue growth in the sector is +6.6 % a year. That is the yardstick for the growth priced into Unum Group (-1.1 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Unum Group (U1NM34)?
The free-cash-flow yield on the price is 29.84 %: that much free cash flow Unum Group produces per unit of market value. When it exceeds the discount rate of our models (10.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Unum Group (U1NM34)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Unum Group it is R$117.31 per share (as of Oct 3, 2026), against a price of R$58.65. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Unum Group stock overvalued or undervalued in 2026?
As of Oct 3, 2026, U1NM34 trades below its calculated fair value: price R$58.65, fair value R$117.31, a gap of about +100% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of U1NM34?
No. The price is what the market pays today (R$58.65); the fair value is what the company's own numbers justify (R$117.31). For Unum Group the two are R$58.66 per share apart. That gap is exactly why we show both numbers side by side.
How much is Unum Group worth?
The market values Unum Group at about R$75.0B (market capitalisation, as of Oct 3, 2026). Per share that is R$58.65; our models calculate a fair value of R$117.31 per share.
What do the bullish and bearish scenarios say about U1NM34?
Our models span a range for Unum Group: cautious scenario R$107.79, base R$117.31, optimistic R$141.90 per share (as of Oct 3, 2026, price R$58.65). The range comes from different growth and margin assumptions, not from analyst opinions.
How far is U1NM34 from its 52-week high?
Unum Group trades at R$58.65, about 87% below its 52-week high of R$469.23 and at the low of R$58.65 (as of Sep 30, 2026). Distance from the high says nothing about value: that is what the fair value of R$117.31 is for.
Which stocks are comparable to Unum Group?
From the same area (Financial Services) we also value China Life Insurance Company, Ping An Insurance (Group) Company, AIA Group, Manulife Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Unum Group stock attractive at the current price?
The data as of Oct 3, 2026: price R$58.65, calculated fair value R$117.31 (+100%), Quality Score 52/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of U1NM34 calculated?
We run Unum Group through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of R$117.31, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Unum Group currently trades 50 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Unum Group (U1NM34)?
The closing price on Sep 30, 2026 was R$58.65. Our model-based fair value is R$117.31, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Unum Group right now?
The price is below even our cautious bear case (R$107.79). The market is more pessimistic than our downside scenario. Solid quality (52/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Unum Group
How large is the market capitalisation of Unum Group (U1NM34)?
The market capitalisation of Unum Group is R$75.0B (≈ $14.4B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/E ratio of Unum Group (U1NM34)?
The price-to-earnings ratio of Unum Group is 19.6 (as of Jul 19, 2026). Price to earnings: how many years of current profit you pay for the stock. A P/E of 10 means ten years of profit.
What is the P/S ratio of Unum Group (U1NM34)?
The price-to-sales ratio of Unum Group is 1.11 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Unum Group (U1NM34)?
Earnings per share at Unum Group are R$23.93 (price ÷ EPS = P/E 19.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Unum Group (U1NM34)?
The dividend yield of Unum Group is 0.3% (payout 0.7%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Unum Group (U1NM34)?
The net margin of Unum Group is 5.6% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Unum Group (U1NM34)?
The return on equity (ROE) of Unum Group is 7.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Unum Group (U1NM34)?
On an EBIT basis the return on assets of Unum Group is 3.0% (avg 4y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Unum Group (U1NM34)?
The operating margin of Unum Group is 10.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Unum Group (U1NM34)?
Revenue at Unum Group is growing +8.5% versus a year earlier (3y avg +2.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Unum Group (U1NM34)?
Earnings per share at Unum Group are growing +33.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Unum Group (U1NM34) carry?
The net debt of Unum Group is $3.6B (fiscal year 2025, ≈ 6.5 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed
Continue in the live analysis
Fair value and trend for 35,000+ stocks, watchlist, comparison and the diversification check. You can also try 14 days of Pro there, no card.
Open the live analysis →Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.