UNM
Unum Group
Price:  
82.12 
USD
Volume:  
1,250,476
United States | Insurance

Unum Fair Value

51.7 %
Upside

What is the fair value of Unum?

As of 2025-07-06, the Fair Value of Unum Group (UNM) is 124.6 USD. This value is based on the Peter Lynch's Fair Value formula. With the current market price of 82.12 USD, the upside of Unum Group is 51.7%.

Is Unum a good investment?

With the market price of 82.12 USD and our fair value calculation, Unum Group (UNM) is a good investment. Investing in Unum stocks now will result in a potential gain of 51.7%.

82.12 USD
Stock Price
124.6 USD
Fair Price
FAIR VALUE CALCULATION

Unum Fair Value

Peter Lynch's formula is:

Unum Fair Value
= Earnings Growth Rate x TTM EPS
Unum Fair Value
= 13.8 x 9.02
Unum Fair Value
= 124.6

The earnings growth rate we use in the formula is the average growth rate of net income/earnings over the last 5 years. If the average growth rate is smaller than 5%, we set it to 5%. If it is larger than 25%, we set it to 25%. If the TTM EPS is negative, Peter Lynch Fair Value's result can be unreliable.

Historical Earnings
12-202012-202112-202212-202312-20245Y Avg
Net income7939811,407.21,283.81,779.11,249
YoY growth-27.9%23.7%43.4%-8.8%38.6%13.8%

Unum Fair Value - Peers Benchmarking

Market Cap (mil)EPS Fair Value Upside
a
Principal Financial Group Inc18,1594.8121.1749.6%
Athene Holding Ltd15,958266.61,332.871499.5%
iA Financial Corporation Inc13,6469.9244.6766.9%
Globe Life Inc10,00413110.74-8.6%
Lincoln National Corp5,9367.8195.04461%
American Equity Investment Life Holding Co4,4842.766.3117.4%
CNO Financial Group Inc3,7943.138.951.8%
Genworth Financial Inc3,3120.512.9161.6%
Brighthouse Financial Inc3,06210.753.390.1%

Unum Fair Value - Key Data

Market Cap (mil)14,318
P/E9.1x
Forward P/E7.4x
EPS9.02
Avg earnings growth rate13.8%
TTM earnings1,573

Unum Fair Value - Formula's Origin

Peter Lynch is one of the most legendary investors/fund managers of all time. His philosophy for stock investing is very simple and straightforward: he invests in stocks that are undervalued, meaning its P/E is less than or equal to its earnings growth rate. He believes that if a stock is trading at its fair value, the PEG ratio, which was also invented by him, should be 1.

Therefore, his formula to determine a company's fair value is:

Peter Lynch Fair Value = Earnings Growth Rate * EPS * PEG

PEG is set to 1 so we can ignore it in the calculation. Based on the formula, if the earnings growth rate of a company is 15%, Peter Lynch is willing to buy its share up to P/E = 15.