UNM (Unum Group) Moat Score: 6/10 (As of Jun. 29, 2026)


UNM Unum Group UNM
66 GF Score
Price $88.93
GF Value $73.95
Valuation Modestly Overvalued
! 7 Warning Signs
View Full Analysis

What is Unum Group Moat Score?

Unum Group UNM -1.32% 66 Moat Score is 6 as of Jun. 29, 2026. GuruFocus rates UNM with a GF Score™ of 66/100 and a GF Value™ of $73.95 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 601 Insurance companies, Unum Group ranks better than 95.01% on this metric.

Unum Group has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Unum Group has Narrow Moat: Unum Group has a strong narrow moat due to its established market position in insurance, brand recognition, and customer relationships. However, it faces regulatory challenges and competition, preventing it from achieving a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Unum Group might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Unum Group  (NYSE:UNM) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Unum Group Moat Score Related Terms

UNM vs GL, PRI, JXN: Moat Score Comparison

For the Insurance - Life subindustry, Unum Group's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Unum Group's Moat Score distribution charts can be found below:

* The bar in red indicates where Unum Group's Moat Score falls into.


UNM
66GF Score
Unum Group UNM
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
Unum Group (UNM) has a Moat Score of 6 as of Jun. 29, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Unum Group ranks #30 out of 601 companies in the Insurance industry, placing it in the top 5%.
Is Unum Group's Moat Score too high?
Unum Group's current Moat Score is 6. Based on the distribution chart, Unum Group ranks #30 out of 601 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Unum Group has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Unum Group's Moat Score compare to GL and PRI?
According to the Insurance industry distribution chart, Unum Group ranks #30 out of 601 companies for Moat Score. This places Unum Group in the top 5% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Unum Group's current Moat Score is 6. 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 $73.95, compared to a current price of $88.93 — trading 20.3% above its estimated fair value. The current Moat Score is 6. Unum Group's overall GF Score™ is 66/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Unum Group (UNM), the current Moat Score is 6 as of Jun. 29, 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 $88.93 is trading 20.3% above its estimated GF Value™ of $73.95. GuruFocus considers Unum Group to be Modestly Overvalued.

Key valuation signals for UNM:

  • Moat Score: 6
  • GF Value™: $73.95 vs. price of $88.93 (20.3% above fair value)
  • GF Score™: 66/100 with 7 warning signs

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 Business Description

Address 1 Fountain Square, Chattanooga, TN, USA, 37402
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.
66GF Score

Get the complete analysis for UNM

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$88.93
Price
$73.95
GF Value