UNM (Unum Group) Risk Assessment

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

UNM Unum Group UNM
67 GF Score
Price $88.47
GF Value $73.34
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Unum Group Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of Unum Group is: High Risk: High uncertainty with risk-return tradeoff.

Unum Group  (NYSE:UNM) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

Unum Group Risk Assessment Related Terms

UNM vs GL, PRI, JXN: Risk Assessment Comparison

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

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

* The bar in red indicates where Unum Group's Risk Assessment falls into.


UNM
67GF Score
Unum Group UNM
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
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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 20.6% above its estimated GF Value™ of $73.34. GuruFocus considers Unum Group to be Modestly Overvalued.

Key valuation signals for UNM:

  • Risk Assessment:
  • GF Value™: $73.34 vs. price of $88.47 (20.6% above fair value)
  • GF Score™: 67/100 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.
67GF Score

Get the complete analysis for UNM

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

$88.47
Price
$73.34
GF Value