UNM · NYSE · STOCK
Unum (UNM) Stock Analysis
$95.97
52W $69.02 – $96.57
55/100
$15.29B
22.5
0.26
Is UNM Bullish or Bearish?
Mixed.
Innellis AI committee rates Unum (UNM) Watch with a composite score of 55/100
, based on 4 analysts with 50% agreement.
Last updated September 05, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +5.31 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -14.69 from today. The band boundary is 45.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Macro Analyst sees a compelling case. Growth Analyst remains cautious — growth rate is decelerating quarter over quarter -- the trend line matters more than the level. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- Price structure making higher highs and higher lows — Technical
- MACD histogram positive -- bullish momentum — Technical
- Weekly trend (uptrend) confirms the daily trend -- multi-timeframe agreement — Technical
Bear Case
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- RSI at 74 is in overbought territory — Technical
- Price trading above the upper Bollinger Band -- stretched — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of September 05, 2026
Overall Committee Score
55/100
Agreement
50%
Analysts
4
Conviction
Contested
Sector Rank
Top 84%
of 211 Financial Services peers
Growth Analyst
bearish
35
/ 100 · Low confidence
Growth story is weak, decelerating, or inconsistent
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− RSI at 74 is in overbought territory
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
neutral
58
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 3059.07)
Investment Thesis Evolution
Committee score moved marginally from 57.1 to 54.7.
- Recommendation changed from Buy to Watch.
- Conviction changed from moderate to contested.
- Committee agreement fell notably from 60% to 50%.
- Bullish support removed: 2 signal(s) disappeared.
- Bearish pressure eased: 1 signal(s) disappeared.
- Analyst(s) abstained: Value Analyst.
Analyst-level changes:
- Growth Analyst: score 32->35 (+3).
- Value Analyst abstained (was bullish at 70).
Comparing 2026-09-04 to 2026-09-05 (1 day apart).
Technical Analysis
RSI (14)
74.5
Overbought
MACD Histogram
0.480
Bullish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Mixed
Bollinger %B
1.08
Above Upper Band
Price vs Moving Averages
EMA 9
$92.66
Above
EMA 21
$91.26
Above
EMA 50
$89.51
Above
EMA 200
$82.93
Above
Fundamental Analysis
Valuation
90
Growth
44
Profitability
28
Financial Health
100
Cash Flow
70
Valuation
P/E Ratio
22.5×
P/B Ratio
1.43×
PEG Ratio
-0.46
Dividend Yield
1.95%
52W High
$96.57
52W Low
$69.02
Quality & Growth
ROE
664.2%
ROA
115.2%
Gross Margin
3569.9%
Operating Margin
683.3%
Revenue Growth YoY
—
Debt / Equity
0.35
AI Fundamental Assessment
P/E ratio of 22.5 (inexpensive relative to a 15-40x range); Price-to-book of 1.4x; PEG ratio of -0.5 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 6.6%; Return on assets of 1.2%; Net margin of 5.3%; Gross margin of 35.7%; Current ratio of 17.97 (healthy short-term liquidity); Debt-to-equity of 0.35; Free cash flow per share is positive (4.34); Most recent quarter missed estimates by 0.9%; EPS growth decelerating (+11.5% -> +0.9% QoQ); Average YoY EPS growth of 4.3%; Analyst estimates rising over recent quarters
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