Unum Group (UNM) Stock Analysis
Financial Services · Insurance - Life
Sell if holding. Engine safety override at $80.89: Quality below floor (3.2 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 5.5/10. Specifically: Elevated put/call ratio: 2.45; Below-average business quality.
Unum Group is a leading provider of employee benefits insurance in the US and UK, offering disability, life, accident, critical illness, dental, and vision products marketed primarily through the workplace. Premium income is split approximately 65% from Unum US, 17% from... Read more
Sell if holding. Engine safety override at $80.89: Quality below floor (3.2 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 5.5/10. Specifically: Elevated put/call ratio: 2.45; Below-average business quality. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Score 5.5/10, moderate confidence.
Passes 5/6 gates (positive momentum, clean insider activity, no SEC red flags, earnings proximity 89d clear, semi cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.
Thesis
Key Metrics
Quality Signals
Options Flow
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
2 floor-breakers
Quality below the gate floor. Component breakdown shows what dragged the score down.static
Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. Engine safety override at $80.89: Quality below floor (3.2 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 5.5/10. Specifically: Elevated put/call ratio: 2.45; Below-average business quality. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Prior stop was $77.75. Score 5.5/10, moderate confidence.
Take-profit target: $81.31 (+0.6% upside). Prior stop was $77.75. Stop-loss: $77.75.
Target reached (0.6% upside); Quality below floor (3.2 < 4.0); Value-trap signals (2/5): Revenue declining (-9.8% YoY), High leverage (D/E 5.2).
Unum Group trades at a P/E of 17.6 (forward 8.4). TrendMatrix value score: 7.9/10. Verdict: Sell.
18 analysts cover UNM with a consensus score of 3.9/5. Average price target: $93.
What does Unum Group do?Unum Group is a leading provider of employee benefits insurance in the US and UK, offering disability, life, accident,...
Unum Group is a leading provider of employee benefits insurance in the US and UK, offering disability, life, accident, critical illness, dental, and vision products marketed primarily through the workplace. Premium income is split approximately 65% from Unum US, 17% from Colonial Life, 10% from Unum International (UK/Poland), and 8% from the Closed Block; the company operates in the US, UK, and Poland.