
Unum (UNM) Stock Forecast & Price Target
Unum (UNM) Analyst Ratings
Bulls say
Unum Group benefits from a competitive position within the life insurance industry, which has experienced significant improvements over the past decade, notably in reducing liability tail risk while enhancing returns and free cash flow conversion. The current favorable operating conditions, characterized by rising interest rates, demographic trends, and technological advancements, contribute positively to growth opportunities for the company. Additionally, Unum’s strong performance metrics, evidenced by mid-single-digit premium growth, over 20% return on equity (ROE), and over 90% free cash flow conversion, further support a positive outlook for its stock.
Bears say
Unum Group's outlook has been negatively impacted by revisions to the earnings per share (EPS) estimates for 2025 and 2026, which have been lowered to $8.48 and $9.25, respectively, due to increased group disability benefit ratios projected at 62% and 63%. Additionally, there are concerns regarding the performance of closed block earnings, alongside the rising long-term care incidence rates, which have deviated from expectations. These factors contribute to an overall uncertainty in the company's financial stability and profitability moving forward.
This aggregate rating is based on analysts' research of Unum and is not a guaranteed prediction by Public.com or investment advice.
Unum (UNM) Analyst Forecast & Price Prediction
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