Unum GroupUNM -1.09%66 PEG Ratio is 1.45 as of Jun. 29, 2026, which is 113% above its 10-year median of 0.68. 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 185 Insurance companies, Unum Group ranks worse than 68.11% on this metric.
PE Ratio without NRI / 5-Year EBITDA Growth Rate*
PEG Ratio is defined as the PE Ratio without NRI divided by the growth ratio. The growth rate we use is the 5-Year EBITDA growth rate. As of today, Unum Group's PE Ratio without NRI is 10.84. Unum Group's 5-Year EBITDA growth rate is 7.50%. Therefore, Unum Group's PEG Ratio for today is 1.45.
* The 5-Year EBITDA Growth Rate is the 5-year average EBITDA per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Unum Group's PEG Ratio or its related term are showing as below:
UNM'
s PEG Ratio Range Over the Past 10 Years
Min: 0.17 Med: 0.68 Max: 5.12
Current: 1.45
During the past 13 years, Unum Group's highest PEG Ratio was 5.12. The lowest was 0.17. And the median was 0.68.
UNM's PEG Ratio is ranked worse than 68.11% of 185
companies
in the Insurance industry
Industry Median: 0.84
vs UNM: 1.45
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Unum Group (NYSE:UNM) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Unum Group PEG Ratio Related Terms
Unum Group PEG Ratio Historical Data
* Premium members only.
The historical data trend for Unum Group's PEG 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.
For the Insurance - Life subindustry, Unum Group's PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Unum Group's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Unum Group's PEG Ratio falls into.
* 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.
* Note: The 5-Year EBITDA Growth Rate is the 5-year average EBITDA per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Unum Group (UNM) has a PEG Ratio of 1.45 as of Jun. 29, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Unum Group and its competitors. This is 113% above median its historical median of 0.68. Over the past decade, Unum Group's PEG Ratio has ranged from 0.17 to 5.12. According to the industry distribution chart, Unum Group ranks #126 out of 185 companies in the Insurance industry, placing it in the top 68.1%.
Is Unum Group's PEG Ratio too high?
Unum Group's current PEG Ratio of 1.45 is 113% above median its 10-year median of 0.68. Over the past 10 years, this metric has ranged from a low of 0.17 to a high of 5.12. The Insurance industry median PEG Ratio is 0.84. Unum Group's value of 1.45 is 72.6% above this industry median. Based on the distribution chart, Unum Group ranks #126 out of 185 companies in the Insurance industry, which is below the industry midpoint. 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 PEG Ratio compare to GL and PRI?
According to the Insurance industry distribution chart, Unum Group ranks #126 out of 185 companies for PEG Ratio. This places Unum Group in the lower half of its industry. The industry median PEG Ratio is 0.84. Unum Group's value of 1.45 is 72.6% above this benchmark. Historically, Unum Group's own PEG Ratio has ranged from 0.17 to 5.12 over the past decade. While the company's 10-year median is 0.68 vs. the industry median of 0.84, Unum Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PEG Ratio for an Insurance company?
The median PEG Ratio among Insurance companies is 0.84, based on 185 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Unum Group's current PEG Ratio of 1.45 is 72.6% above 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Unum Group and its competitors. For the Insurance industry, the median PEG Ratio is 0.84 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unum Group's current PEG Ratio is 1.45, which is 113% above median its own 10-year median of 0.68. 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 $89.14 — trading 20.5% above its estimated fair value. The current PEG Ratio is 1.45, which is 113% above median its 10-year median of 0.68 and 72.6% above the Insurance industry median of 0.84. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Unum Group (UNM), the current PEG Ratio is 1.45 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 $89.14 is trading 20.5% above its estimated GF Value™ of $73.95.
GuruFocus considers Unum Group to be Modestly Overvalued.
Key valuation signals for UNM:
PEG Ratio: 1.45 (113% above median its 10-year median of 0.68)
GF Value™: $73.95 vs. price of $89.14 (20.5% above fair value)
Industry Position: 72.6% above the Insurance median (#126 of 185)
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.
66GF Score
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