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Unum GroupUNM +0.81%67 Forward PE Ratio is 10.22 as of Jul. 16, 2026. GuruFocus rates UNM with a GF Score™ of 67/100 and a GF Value™ of $73.30 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 274 Insurance companies, Unum Group ranks better than 65.33% on this metric.
Unum Group (NYSE:UNM) Forward PE Ratio Explanation
The Forward PE Ratio of a company is often used to compare current earnings to estimated future earnings, as well as gaining a clearer picture of what earnings will look like without charges and other accounting adjustments. If earnings are expected to grow in the future, the Forward PE Ratio will be lower than the current PE Ratio. This measure is also used to compare one company to another with a forward-looking focus.
Trailing PE Ratio relies on what is already done. It uses the current share price and divides by the total EPS (Basic) over the past 12 months. PE Ratio can be affected by Non Operating Income such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio .
Unum Group Forward PE Ratio Related Terms
Unum Group Forward PE Ratio Historical Data
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The historical data trend for Unum Group's Forward PE Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Unum Group Forward PE Ratio Chart
Unum Group Annual Data
Trend
2015-12
2016-12
2017-12
2018-12
2019-12
2020-12
2021-12
2022-12
2023-12
2024-12
2025-12
Forward PE Ratio
8.67
10.85
12.47
5.32
5.03
4.36
4.64
6.53
5.80
8.07
8.58
Unum Group Quarterly Data
2015-12
2016-03
2016-06
2016-09
2016-12
2017-03
2017-06
2017-09
2017-12
2018-03
2018-06
2018-09
2018-12
2019-03
2019-06
2019-09
2019-12
2020-03
2020-06
2020-09
2020-12
2021-03
2021-06
2021-09
2021-12
2022-03
2022-06
2022-09
2022-12
2023-03
2023-06
2023-09
2023-12
2024-03
2024-06
2024-09
2024-12
2025-03
2025-06
2025-09
2025-12
2026-03
Forward PE Ratio
8.67
7.36
8.43
8.66
10.85
11.44
11.51
12.03
12.47
9.81
7.29
7.30
5.32
6.18
6.16
5.15
5.03
2.79
2.91
3.08
4.36
5.92
6.24
4.49
4.64
7.31
7.00
6.31
6.53
5.82
6.57
6.27
5.80
6.63
6.29
6.56
8.07
8.82
9.03
8.36
8.58
8.29
UNM vs GL, PRI, JXN: Forward PE Ratio Comparison
For the Insurance - Life subindustry, Unum Group's Forward PE Ratio, along with its competitors' market caps and Forward PE Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Unum Group Forward PE Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Unum Group's Forward PE Ratio distribution charts can be found below:
* The bar in red indicates where Unum Group's Forward PE Ratio falls into.
It's a measure of the price-to-earnings ratio (PE Ratio) using forecasted earnings for the calculation. While the earnings used are just an estimate and are not as reliable as current earnings data, there is still benefit in estimated P/E analysis. The forecasted earnings used in the formula can either be for the next 12 months or for the next full-year fiscal period.
Unum Group (UNM) has a Forward PE Ratio of 10.22 as of Jul. 16, 2026. Forward P/E ratio is the share price dividend by the expected per-share earnings in the next 12 months. View historical data on Unum Group and its competitors. According to the industry distribution chart, Unum Group ranks #95 out of 274 companies in the Insurance industry, placing it in the top 34.7%.
Is Unum Group's Forward PE Ratio too high?
Unum Group's current Forward PE Ratio is 10.22. The Insurance industry median Forward PE Ratio is 11.64. Unum Group's value of 10.22 is 12.2% below this industry median. Based on the distribution chart, Unum Group ranks #95 out of 274 companies in the Insurance industry, which is above the industry midpoint. Overall, Unum Group has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Unum Group's Forward PE Ratio compare to GL and PRI?
According to the Insurance industry distribution chart, Unum Group ranks #95 out of 274 companies for Forward PE Ratio. This puts Unum Group in the upper half of its industry. The industry median Forward PE Ratio is 11.64. Unum Group's value of 10.22 is 12.2% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Forward PE Ratio for an Insurance company?
The median Forward PE Ratio among Insurance companies is 11.64, based on 274 companies in the industry. Companies in the top quartile (top 25%) have a Forward PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Forward PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Unum Group's current Forward PE Ratio of 10.22 is 12.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Forward PE Ratio mean?
A high Forward PE Ratio can signal that a stock is expensive relative to its fundamentals. Forward P/E ratio is the share price dividend by the expected per-share earnings in the next 12 months. View historical data on Unum Group and its competitors. For the Insurance industry, the median Forward PE Ratio is 11.64 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unum Group's current Forward PE Ratio is 10.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Unum Group stock overvalued right now?
Based on GuruFocus' analysis, Unum Group (UNM) is currently considered Modestly Overvalued. The stock's GF Value™ is $73.30, compared to a current price of $89.72 — trading 22.4% above its estimated fair value. The current Forward PE Ratio is 10.22 and 12.2% below the Insurance industry median of 11.64. Unum Group's overall GF Score™ is 67/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Forward PE Ratio calculated?
Forward PE Ratio is calculated from a company's financial statements. For Unum Group (UNM), the current Forward PE Ratio is 10.22 as of Jul. 16, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Unum Group (UNM) Overvalued in 2026?
Based on GuruFocus' analysis, Unum Group stock appears to be overvalued.
The current stock price of $89.72 is trading 22.4% above its estimated GF Value™ of $73.30.
GuruFocus considers Unum Group to be Modestly Overvalued.
Key valuation signals for UNM:
Forward PE Ratio: 10.22
GF Value™: $73.30 vs. price of $89.72 (22.4% above fair value)
Industry Position: 12.2% below the Insurance median (#95 of 274)
No single metric tells the full story. See the UNM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Unum Group is a provider of group and individual income protection insurance products in the United States, the United Kingdom, Poland, and other countries. It is the domestic disability insurer, with the majority of premiums generated from employer plans. The company also offers a complementary portfolio of other insurance products, including long-term care insurance, life insurance, and employer- and employee-paid group benefits. It has the following operating business segments: Unum USA, Unum International, Closed Block, Colonial Life, and Corporate. The Unum USA segment generates the majority of revenue. The firm markets its products through brokers.
67GF Score
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