What changed
$UNM — BUY 📊
Unum Group, together with its subsidiaries, provides financial protection benefit solutions in the United States, the United Kingdom, and Poland.
🎯 Q1 FY26 | Rev $3B | EPS $2.14 vs $2.05 🟢
💡 Consensus expects premium growth to moderate as temporary factors fade, but underlying persistency improvements suggest structurally higher retention, leading to a wider and more sustainable earnings base than currently priced in.
📉 Reward/Risk: 2.01:1
🏢 Business Quality: 7/10 - Leading group disability insurer with stable cash flows, strong persistency, and consistent capital returns, but exposed to claims cycles and interest rate sensitivity.
📊 Valuation: fair to slightly cheap — P/E 10.5x (annualized Q1 EPS $8.56) vs. peer average 11-12x; P/B ~1.6x assuming book value per share ~$55; slightly below...
📊 Our read: BUY. Full analysis →
https://stockduty.xyz/s/UNM0620
Why it matters
Unum Group, together with its subsidiaries, provides financial protection benefit solutions in the United States, the United Kingdom, and Poland.