Unum Group 6.250% JR NT58 (UNMA) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Unum Group 6.250% JR NT58 $37.76, price $21.62, upside +74.7%, quality 52 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $17.30 – $23.39 · fair‑value band $28.32 – $47.21 · the $21.62 price screens below the $37.76 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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Unum Group, together with its subsidiaries, provides financial protection benefit solutions in the United States, the United Kingdom, and internationally. It operates through Unum US, Unum UK, Colonial Life, and Closed Block segments.
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Unum Group, together with its subsidiaries, provides financial protection benefit solutions in the United States, the United Kingdom, and internationally. It operates through Unum US, Unum UK, 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 individual disability, voluntary benefits, and dental and vision products; and accident, sickness, disability, life, and cancer and critical illness products. It also provides group pension, individual life and corporate-owned life insurance, reinsurance pools and management operations, and other products. The company sells its products primarily to employers for the benefit of employees. Unum Group sells its products through field sales personnel, independent brokers, and consultants, as well as independent contractor agency sales force. The company was founded in 1848 and is based in Chattanooga, Tennessee.
Stock analysis
Unum Group 6.250% JR NT58 (UNMA) currently trades at $21.62, while our model-based Fair Value estimate is $37.76, implying the stock looks roughly 42.7% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $39.09 per share, and 4 of the 4 models we run sit above the $21.62 price.
Bear case: the Asset-Based group reads lowest at $30.33, and 0 of the 4 models stay below the price. Evidence for this calculation is medium.
Scenario range: $28.32 (bear) to $47.21 (bull), the price of $21.62 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 Financials sector.
Weak Growth: Revenue growth is weak: less than 2 % a year.
Unum Group 6.250% JR NT58 reported revenue of $13.1B in FY2025 versus $11.8B in FY2021, a compound +2.5%/yr. Reported net income was $739M in FY2025, compounding −6.9%/yr from FY2021.
Key figures
Market cap $5.3B · P/E ratio 4.5 · P/S ratio 0.26 · Dividend yield 7.2% · Net margin 5.7% · Return on assets (EBIT) 2.5% · Free cash flow $555M · Net debt $3.7B.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (medium confidence).
What moves the price
The share trades about 7% below its 52-week high and 3% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financials peers we cover trades at 19% fair-value upside, at 75%, UNMA screens cheaper than that median.
Fair Value models
Bear $28.32Fair Value $37.76Bull $47.21
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.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.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.
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.40/100
Revenue growth is weak: less than 2 % a year.
Revenue growth 1 year
+2.1%
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.
+3.2%
Revenue growth 5 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.
−0.1%
Start year 2020 (pandemic). Over 10 years: +2.0% a year
Revenue growth 40 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.
+5.1%
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What shareholders gained per year (last 5 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 5 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.
+4.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year−2.3%
Dividend (yield on the price)7.2%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−2% vs 2%, slowing
Profit margin 2020 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.7% → 7%
Start year 2020 (pandemic)
Growth Forecast
Price in line with expectations
The price assumes about as much growth as the company has delivered so far.
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).
+0.4%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −1.9% a year for the price.
News mood ⓘNews mood, the average tone of recent news (95 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.
Compare Unum Group 6.250% JR NT58 with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its sector: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median. (Industry “Life & Health Insurance” was too small, so the broader sector is used.)Financials · 3337 stocks
Beats the sector median on 5/12 measures
A mixed picture versus its sector peers.
Valuation
Quality Score48 · Below median
Fair Value upside+75% · Top 25%
Profitability
Return on assets0% · Bottom 25%
Net margin (TTM)6% · Bottom 25%
Operating margin (TTM)0% · Bottom 25%
Growth and dividend
Revenue growth0% · Below median
Dividend yield (TTM)7.2% · Top 25%
Balance sheet
Debt / equity0.26× · Above median
Valuation Multiplesvs Financials median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Unum Group 6.250% JR NT58 Fair Value". https://www.fairvalue-calculator.com/stock/UNMA
Frequently asked questions
Is Unum Group 6.250% JR NT58 (UNMA) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $37.76 versus a price of $21.62, about +75% upside (undervalued).
What is the fair value of UNMA?
Our model-based fair value for Unum Group 6.250% JR NT58 is $37.76 (as of Sep 24, 2026), built from audited fundamentals. The current price: $21.62.
What is the quality score of UNMA?
Unum Group 6.250% JR NT58 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 6.250% JR NT58 (UNMA)?
Our model-based price target is the fair value of $37.76 (as of Sep 24, 2026) from 4 valuation models. Cautious scenario $28.32, optimistic scenario $47.21. It is a calculation from audited fundamentals, not an analyst target.
What is the Unum Group 6.250% JR NT58 stock forecast for 2026?
Our models put fair value at $37.76, about +75% upside versus a price of $21.62 (undervalued). Cautious scenario $28.32, optimistic scenario $47.21. The calculation is refreshed regularly with new filings.
Does Unum Group 6.250% JR NT58 pay a dividend?
Unum Group 6.250% JR NT58 currently shows a dividend yield of about 7.23% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Unum Group 6.250% JR NT58 (UNMA)?
For today's price to be fair in a discounted-cash-flow model, Unum Group 6.250% JR NT58 would have to grow free cash flow by +0.4 % per year for five years (discount rate 9.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -0.1 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of UNMA use?
Our models discount Unum Group 6.250% JR NT58 at 9.7 %: a base by market capitalisation (mid), country premium for USA. 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 6.250% JR NT58 that is +0.4 % per year a year over ten years, using the same discount rate (9.7 %) and the same formula as our fair value.
How much growth has Unum Group 6.250% JR NT58 (UNMA) delivered so far?
Over the past 5 years revenue at Unum Group 6.250% JR NT58 grew -0.1 % a year. The price currently implies +0.4 % 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 6.250% JR NT58 (UNMA) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Unum Group 6.250% JR NT58 (+0.4 % 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 6.250% JR NT58 (UNMA)?
The free-cash-flow yield on the price is 14.86 %: that much free cash flow Unum Group 6.250% JR NT58 produces per unit of market value. When it exceeds the discount rate of our models (9.7 %), 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 6.250% JR NT58 (UNMA)?
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 6.250% JR NT58 it is $37.76 per share (as of Sep 24, 2026), against a price of $21.62. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Unum Group 6.250% JR NT58 stock overvalued or undervalued in 2026?
As of Sep 24, 2026, UNMA trades below its calculated fair value: price $21.62, fair value $37.76, a gap of about +75% (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 UNMA?
No. The price is what the market pays today ($21.62); the fair value is what the company's own numbers justify ($37.76). For Unum Group 6.250% JR NT58 the two are $16.14 per share apart. That gap is exactly why we show both numbers side by side.
How much is Unum Group 6.250% JR NT58 worth?
The market values Unum Group 6.250% JR NT58 at about $5.3B (market capitalisation, as of Sep 24, 2026). Per share that is $21.62; our models calculate a fair value of $37.76 per share.
What do the bullish and bearish scenarios say about UNMA?
Our models span a range for Unum Group 6.250% JR NT58: cautious scenario $28.32, base $37.76, optimistic $47.21 per share (as of Sep 24, 2026, price $21.62). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of UNMA?
Unum Group 6.250% JR NT58 trades at a price-to-earnings ratio of 4.5 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $37.76 is built from several models across several years. Other multiples: P/B 0.5, EV/EBITDA 6.4.
How solid is the balance sheet of Unum Group 6.250% JR NT58 (UNMA)?
Balance-sheet figures for Unum Group 6.250% JR NT58 (as of Sep 24, 2026): debt of 0.26 per unit of equity. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is UNMA from its 52-week high?
Unum Group 6.250% JR NT58 trades at $21.62, about 7% below its 52-week high of $23.37 and 3% above the low of $20.93 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $37.76 is for.
Which stocks are comparable to Unum Group 6.250% JR NT58?
From the same area (Financials) we also value Ping An Insurance (Group) Company, Federal Home Loan Mortgage Corporation, CGABL, BOCHGR, 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 6.250% JR NT58 stock attractive at the current price?
The data as of Sep 24, 2026: price $21.62, calculated fair value $37.76 (+75%), Quality Score 52/100, from 4 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 UNMA calculated?
We run Unum Group 6.250% JR NT58 through 4 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 $37.76, 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 14.1 % above its aggregate fair value. Unum Group 6.250% JR NT58 currently trades 75 % 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 6.250% JR NT58 (UNMA)?
The closing price on Sep 23, 2026 was $21.62. Our model-based fair value is $37.76, about +75% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Unum Group 6.250% JR NT58 right now?
The price is below even our cautious bear case ($28.32). 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.
Where does the earnings growth of Unum Group 6.250% JR NT58 (UNMA) come from?
Earnings per share at Unum Group 6.250% JR NT58 grew +9.6 % a year from 2014 to 2025. Broken into its drivers: revenue per share +5.1 %, EBIT margin +3.0 %, tax rate +1.3 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Unum Group 6.250% JR NT58
How large is the market capitalisation of Unum Group 6.250% JR NT58 (UNMA)?
The market capitalisation of Unum Group 6.250% JR NT58 is $5.3B. 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/S ratio of Unum Group 6.250% JR NT58 (UNMA)?
The price-to-sales ratio of Unum Group 6.250% JR NT58 is 0.26 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the dividend yield of Unum Group 6.250% JR NT58 (UNMA)?
The dividend yield of Unum Group 6.250% JR NT58 is 7.2%. 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 6.250% JR NT58 (UNMA)?
The net margin of Unum Group 6.250% JR NT58 is 5.7% (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 EBIT return on assets of Unum Group 6.250% JR NT58 (UNMA)?
On an EBIT basis the return on assets of Unum Group 6.250% JR NT58 is 2.5% (avg 5y). 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.
How much net debt does Unum Group 6.250% JR NT58 (UNMA) carry?
The net debt of Unum Group 6.250% JR NT58 is $3.7B (fiscal year 2025, ≈ 6.7 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Sep 24, 2026