Unum Group 6.250% JR NT58 (UNMA) Fair Value & Analysis
Financials · US · Market cap $5.3B · ISIN US91529Y6014
What is Unum Group 6.250% JR NT58 really worth?
Unum Group 6.250% JR NT58
UNMA · US
A solid business, trading 43% below our fair value of $37.34.
Strengths
Risks
For context
Fair value as of: Sep 1, 2026
From 4 valuation models · updated 4 days ago
Fair value updated Sep 1, 2026, revised from $36.20 to $37.34 (+3.1%) since Aug 13, 2026. Share price −0.3% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price is below even our cautious bear case ($28.01). 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.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 1, 2026.
How to read this chart
60‑month range $17.30 – $23.39 · fair‑value band $28.01 – $46.68 · the $21.37 price screens below the $37.34 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 1, 2026.
Analysis
Unum Group 6.250% JR NT58 (UNMA) currently trades at $21.37, while our model-based Fair Value estimate is $37.34, implying the stock looks roughly 42.8% undervalued today. The Quality Score stands at 52/100 (solid quality), in the Financials sector. Bull case: the Multiples group reads highest at a median of $38.35 per share, and 4 of the 4 models we run sit above the $21.37 price. Bear case: the Asset-Based group reads lowest at $29.76, and 0 of the 4 models stay below the price. Evidence for this calculation is medium.
Net debt stands at $3.7B. The stock trades on a trailing P/E of 4.5 (as of Jul 9, 2026). Fundamentals as of Sep 1, 2026
Our scenario range runs from $28.01 (bear case) to $46.68 (bull case); at $21.37, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 9% below its 52-week high and 1% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financials peers we cover trades at 27% fair-value upside, at 75%, UNMA screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 4 models by family
Widest divergence: Multiples ($38.35) versus Asset-Based ($29.76). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Sep 1, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 41 · Market factors (momentum, volatility) 49
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
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.
of which total revenue +1.9 % · buybacks/dilution +3.2 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
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Recent news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Unum Group to Present at the KBW Insurance Conference
- Why Is Unum (UNM) Up 9.4% Since Last Earnings Report?
- Unum Group Strengthens Capital Returns With New $1B Share Buyback
- Unum Group’s Board of Directors Authorizes $1 Billion Share Repurchase Program
Peer Group
Financials · 3318 stocks
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.)
Valuation Multiples vs Financials median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Life & Health Insurance stocks, each showing price versus our Fair Value estimate (as of Sep 1, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| AIA Group 81299 | HK$62.10 | HK$6.45 | −90% |
| Ping An Insurance (Group) Company 82318 | HK$48.18 | HK$61.00 | +27% |
| Federal Home Loan Mortgage Corporation FMCKK | $13.00 | $26.00 | +100% |
| CGABL CGABL | $16.15 | $10.52 | −35% |
| American Financial Group AFGE | $16.12 | $13.69 | −15% |
| AIZN AIZN | $18.44 | $22.31 | +21% |
| Reinsurance Group RZB | $25.34 | $43.96 | +73% |
| MGRB MGRB | $16.13 | $23.73 | +47% |
| Affiliated Managers Group MGR | $19.72 | $35.70 | +81% |
| BOCHGR BOCHGR | €10.50 | €11.80 | +12% |
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