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Unum GroupUNM -1.05%67 Peter Lynch Fair Value is $68.97 as of Jul. 15, 2026, which is 10511% above its 10-year median of 0.65. GuruFocus rates UNM with a GF Score™ of 67/100 and a GF Value™ of $73.32 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 156 Insurance companies, Unum Group ranks worse than 67.31% on this metric.
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year. Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years. If 5-Year Growth Rate is greater than 25% a year, we use 25. If 5-Year Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Here, as of today, Unum Group's PEG is 1. Unum Group's 5-Year TTM EBITDA Growth Rate is 8.39.
Unum Group's EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 was $8.22. Therefore, the Peter Lynch Fair Value for today is $68.97.
As of today (2026-07-15), Unum Group's share price is $88.47. Unum Group's Peter Lynch fair value is $68.97. Therefore, Unum Group's Price to Peter Lynch Fair Value Ratio for today is 1.28.
The historical rank and industry rank for Unum Group's Peter Lynch Fair Value or its related term are showing as below:
UNM'
s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.29 Med: 0.65 Max: 1.7
Current: 1.28
During the past 13 years, the highest Price to Peter Lynch Fair Value Ratio of Unum Group was 1.70. The lowest was 0.29. And the median was 0.65.
UNM's Price-to-Peter-Lynch-Fair-Value is ranked worse than 67.31% of 156
companies
in the Insurance industry
Industry Median: 0.83
vs UNM: 1.28
Note: Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart.
Unum Group (NYSE:UNM) Peter Lynch Fair Value Explanation
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year.
Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years.
Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart. In Peter Lynch chart, a fixed P/E ratio of 15 is used to draw the Earnings Line. Therefore the value reached has a P/E ratio of 15. But in Peter Lynch Fair Value calculation, P/E equals to the growth rate of EBITDA per share over the past 5 years, which is 8.39 instead of 15 in this case.
Unum Group's Price to Peter Lynch Fair Value Ratio for today is calculated as
Price to Peter Lynch Fair Value
=
Share Price
/
Peter Lynch Fair Value
=
88.47
/
68.97
=
1.28
* 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 Peter Lynch Fair Value Related Terms
Unum Group Peter Lynch Fair Value Historical Data
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The historical data trend for Unum Group's Peter Lynch Fair Value 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.
UNM vs GL, PRI, JXN: Peter Lynch Fair Value Comparison
For the Insurance - Life subindustry, Unum Group's Price-to-Peter-Lynch-Fair-Value, along with its competitors' market caps and Price-to-Peter-Lynch-Fair-Value 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 Price-to-Peter-Lynch-Fair-Value vs Insurance Industry
For the Insurance industry and Financial Services sector, Unum Group's Price-to-Peter-Lynch-Fair-Value distribution charts can be found below:
* The bar in red indicates where Unum Group's Price-to-Peter-Lynch-Fair-Value falls into.
Unum Group's EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $8.22.
* 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.
** Please be aware that the 5-Year TTM EBITDA Growth Rate is calculated based on TTM data over the last 5 years. For quarterly reported companies, the TTM data adds up the quarterly data reported by the company within the most recent 12 months. For companies that report semi-annually, annually, or do not have enough quarterly data, GuruFocus uses the annual data as the TTM data.
If 5-Year Earnings Growth Rate is greater than 25% a year, we use 25.
If 5-Year Earnings Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Please note that we use the 5-year average growth rate of EBITDA per share as the growth rate for non-bank companies, as EBITDA growth is subject to less manipulations than net earnings per share. For banks, we use the 5-year average growth rate of Book Value per share as the growth rate. The reason is that EBITDA is not applicable to Banks and Book value is a relative important measurement for Banks. In the calculation, PEG=1 because Peter Lynch thinks that the fair P/E ratio of the growth stock is equal to its earnings growth rate.
What does a Peter Lynch Fair Value of $68.97 mean?
Unum Group (UNM) has a Peter Lynch Fair Value of $68.97 as of Jul. 15, 2026. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Unum Group and its competitors. This is 10511% above median its historical median of 0.65. Over the past decade, Unum Group's Peter Lynch Fair Value has ranged from 0.29 to 1.70. According to the industry distribution chart, Unum Group ranks #105 out of 156 companies in the Insurance industry, placing it in the top 67.3%.
Is Unum Group's Peter Lynch Fair Value too high?
Unum Group's current Peter Lynch Fair Value of $68.97 is 10511% above median its 10-year median of 0.65. Over the past 10 years, this metric has ranged from a low of 0.29 to a high of 1.70. The Insurance industry median Peter Lynch Fair Value is 0.83. Unum Group's value of $68.97 is 8209.6% above this industry median. Based on the distribution chart, Unum Group ranks #105 out of 156 companies in the Insurance industry, which is below 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 Peter Lynch Fair Value compare to GL and PRI?
According to the Insurance industry distribution chart, Unum Group ranks #105 out of 156 companies for Peter Lynch Fair Value. This places Unum Group in the lower half of its industry. The industry median Peter Lynch Fair Value is 0.83. Unum Group's value of $68.97 is 8209.6% above this benchmark. Historically, Unum Group's own Peter Lynch Fair Value has ranged from 0.29 to 1.70 over the past decade. While the company's 10-year median is 0.65 vs. the industry median of 0.83, 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 Peter Lynch Fair Value for an Insurance company?
The median Peter Lynch Fair Value among Insurance companies is 0.83, based on 156 companies in the industry. Companies in the top quartile (top 25%) have a Peter Lynch Fair Value significantly above this median, while those in the bottom quartile fall well below. However, Peter Lynch Fair Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Unum Group's current Peter Lynch Fair Value of $68.97 is 8209.6% 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 Peter Lynch Fair Value mean?
A high Peter Lynch Fair Value can signal that a stock is expensive relative to its fundamentals. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Unum Group and its competitors. For the Insurance industry, the median Peter Lynch Fair Value is 0.83 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unum Group's current Peter Lynch Fair Value is $68.97, which is 10511% above median its own 10-year median of 0.65. 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 $73.32, compared to a current price of $88.47 — trading 20.7% above its estimated fair value. The current Peter Lynch Fair Value is $68.97, which is 10511% above median its 10-year median of 0.65 and 8209.6% above the Insurance industry median of 0.83. 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 Peter Lynch Fair Value calculated?
Peter Lynch Fair Value is calculated from a company's financial statements. For Unum Group (UNM), the current Peter Lynch Fair Value is $68.97 as of Jul. 15, 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 $88.47 is trading 20.7% above its estimated GF Value™ of $73.32.
GuruFocus considers Unum Group to be Modestly Overvalued.
Key valuation signals for UNM:
Peter Lynch Fair Value: $68.97 (10511% above median its 10-year median of 0.65)
GF Value™: $73.32 vs. price of $88.47 (20.7% above fair value)
Industry Position: 8209.6% above the Insurance median (#105 of 156)
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
Get the complete analysis for UNM
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