Unum Group (UNM) Price Target Analysis

Updated Jun 18, 2026

Analyst Rating: Hold

Based on 30 analysts

9.3% Below Target

UNM trades 9.3% below Wall Street's consensus target of $98.33.

Current Price$89.98

Average Target$98.33

Target

Current

Low$85.00

Median$99.50

High$115.00

Analyst Target Range

Forward P/E10.2x

(Value)

PEG Ratio5.31

(Expensive)

Implied Growth+84.7%

(High Growth)

Analyst Spread30.5%

(Moderate)

Price Forecast (1 Year)

Last 12 months price action with 12-month analyst target path

Current$89.98

Consensus$98.33

High$115.00

Low$85.00

Consensus Scenario Assumptions

The base valuation assumes UNM achieves its forward estimates and maintains a stable P/E multiple of 10.2x. This scenario reflects the blended consensus of 30 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.

Analyst Ratings Distribution

Breakdown of 30 published analyst recommendations for UNM

50% hold / mixed conviction

BearishBullish

Weighted analyst sentiment score based on 30 ratings

ConsensusHold

Coverage30 Analysts

Net Score+23

Bull / Bear47% / 3%

Strong Buy13%

Buy1343%

Hold1550%

Sell13%

Strong Sell00%

Strong Buy

13%

Buy

1343%

Hold

1550%

Sell

13%

Strong Sell

00%

Recommendation Mix47% Buy · 50% Hold · 3% Sell

Buy (14)Hold (15)Sell (1)

UNM Price Target Analysis

Updated June 22, 2026

As of June 22, 2026, Unum Group (UNM) has a Wall Street consensus price target of $98.33, based on estimates from 30 covering analysts. With the stock currently trading at $89.98, this represents a potential upside of +9.3%. The company has a market capitalization of $14.53B.

Analyst price targets range from a low of $85.00 to a high of $115.00, representing a 31% spread in expectations. The median target of $99.50 aligns closely with the consensus average.

The current analyst consensus rating is Hold, with 14 analysts rating the stock as a Buy or Strong Buy,15 rating it Hold, and 1 rating it Sell or Strong Sell. The mixed ratings reflect uncertainty about near-term direction.

From a valuation perspective, UNM trades at a trailing P/E of 21.0x and forward P/E of 10.2x. The forward PEG ratio of 5.31 reflects a premium valuation. Analysts expect EPS to grow +84.7% over the next year.

Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $124.91, with bear and bull scenarios of $78.69 and $164.58 respectively. Model confidence stands at 46/100, suggesting limited visibility into future performance.

Investment Context: Price targets represent analyst expectations for the next 12 months and should be considered alongside your own research. Targets are based on analysts' assumptions about earnings growth, margins, and market conditions which may change. For sector-specific context, view other Financial Services stocks.

Analyst Sentiment Comparison

Industry Peer Analysis

Avg Peer Upside

+6.3%

Industry Consensus

Avg Forward P/E

10.9x

(Value)

Peers with Coverage

9 / 10

Active Analyst Tracking

Company	Market Cap	Price	Target	Upside Potential	Rating	Fwd P/E	Analysts
METMetLife, Inc.	$55.8B	$85.58	$94.29	+10.2%	Buy	8.6x	33
PRUPrudential Financial, Inc.	$37.1B	$106.53	$101.38	-4.8%	Hold	7.8x	37
LNCLincoln National Corporation	$7.1B	$37.17	$42.75	+15.0%	Hold	4.8x	28
GNWGenworth Financial, Inc.	$3.4B	$8.95	—	—	Hold	21.1x	17
PFGPrincipal Financial Group, Inc.	$23.7B	$109.57	$98.86	-9.8%	Hold	11.7x	25
AFLAflac Incorporated	$59.5B	$115.47	$115.17	-0.3%	Hold	16.3x	32
CNOCNO Financial Group, Inc.	$4.8B	$50.83	$49.00	-3.6%	Hold	11.4x	17
GLGlobe Life Inc.	$13.4B	$170.76	$174.50	+2.2%	Hold	10.9x	28
HIGThe Hartford Financial Services Group, Inc.	$35.3B	$128.25	$151.56	+18.2%	Buy	10.0x	42
EQHEquitable Holdings, Inc.	$12.8B	$45.29	$58.57	+29.3%	Buy	6.4x	21

UNM — Frequently Asked Questions

Quick answers to the most common questions about buying UNM stock.

What is the UNM stock price target for 2026?

The consensus price target for UNM is $98.33, close to the current price of $89.98 (9.3% implied move). Based on 30 analyst estimates, the stock appears fairly valued near current levels.

Is UNM a buy, sell, or hold?

UNM has a consensus rating of "Hold" based on 30 Wall Street analysts. The rating breakdown is mixed, with 15 Hold ratings making up the largest segment. The consensus 12-month price target of $98.33 implies 9.3% upside from current levels.

Is UNM stock overvalued or undervalued?

With a forward P/E of 10.2484x, UNM trades at a relatively low valuation. The consensus target of $98.33 implies 9.3% appreciation, suggesting the market may be pricing in risks.

How high can UNM stock go?

The most bullish Wall Street analyst has a price target of $115 for UNM, while the most conservative target is $85. The consensus of $98.33 represents the median expectation. Our quantitative valuation model projects a bull case target of $165 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.

How many analysts cover UNM stock?

UNM is heavily covered by Wall Street, with 30 analysts providing price targets and ratings. Of these, 1 have Strong Buy ratings, 13 have Buy ratings, 15 recommend Hold, and 1 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.

What is the UNM stock forecast?

The 12-month UNM stock forecast based on 30 Wall Street analysts shows a consensus price target of $98.33, with estimates ranging from $85 (bear case) to $115 (bull case). The median consensus rating is "Hold". Our proprietary valuation model produces a base case fair value of $125, with bear/bull scenarios of $79/$165.

What is UNM's fair value based on fundamentals?

Our quantitative valuation model calculates UNM's fair value at $125 (base case), with a bear case of $79 and bull case of $165. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 46/100.

What is UNM's forward P/E ratio?

UNM trades at a forward P/E ratio of 10.2x based on next-twelve-months earnings estimates compared to a trailing P/E of 21.0x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.

Should I buy UNM stock?

UNM appears fairly valued according to analysts, with a "Hold" rating and minimal upside to the $98.33 target. Consider your investment thesis and risk tolerance. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.

Why do UNM price targets vary so much?

UNM analyst price targets range from $85 to $115, a 31% moderate spread showing some variance in outlooks. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $98.33 consensus represents the middle ground. Our model's $79-$165 range provides an independent fundamental perspective.

Consensus-Based Analysis Tools