NASDAQ · STOCK
Unum
$86.05
52W $68.28 – $93.22
53/100
$13.63B
20.1
0.24
Is UNM Bullish or Bearish?
Mixed.
Innellis AI committee rates Unum (UNM) Watch with a composite score of 53/100
, based on 6 analysts with 50% agreement.
Last updated July 31, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +6.53 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -13.47 from today. The band boundary is 45.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Value Analyst sees a compelling case — price-to-book of 1.2x is a discount to asset value. Growth Analyst remains cautious — eps declining -45.7% yoy despite any revenue growth. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- Price-to-book of 1.2x is a discount to asset value — Value
- Market regime is bullish (Bull market -- normal position sizing) — Macro
- News sentiment is positive (+0.33 across 27 articles, 14d) — News
Bear Case
- EPS declining -45.7% YoY despite any revenue growth — Growth
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- MACD histogram negative -- bearish momentum — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of July 31, 2026
Overall Committee Score
53/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 77%
of 141 Financial Services peers
Value Analyst
bullish
70
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ Price-to-book of 1.2x is a discount to asset value
Growth Analyst
bearish
32
/ 100 · High confidence
Growth story is weak, decelerating, or inconsistent
− EPS declining -45.7% YoY despite any revenue growth
Technical Analyst
neutral
48
/ 100 · High confidence
Mixed or range-bound price action
− MACD histogram negative -- bearish momentum
Macro Analyst
neutral
58
/ 100 · Moderate confidence
Macro backdrop is mixed or neutral -- not a strong tailwind or headwind either way
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
68
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.33 across 27 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2744.14)
Investment Thesis Evolution
Committee score moved marginally from 53.0 to 53.5.
- New bearish signals: 2 appeared.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 2 appeared.
- Bearish pressure eased: 4 signal(s) disappeared.
- Analyst(s) changed stance: Macro Analyst, Technical Analyst.
Analyst-level changes:
- Macro Analyst: stance bullish->neutral; score 65->58 (-8); +1 bullish signal(s).
- News Analyst: +1 bullish signal(s).
- Portfolio Manager: +2 bearish signal(s).
- Technical Analyst: stance bearish->neutral; score 38->48 (+10).
Comparing 2026-07-30 to 2026-07-31 (1 day apart).
Technical Analysis
RSI (14)
44.0
Neutral
MACD Histogram
-0.377
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Hh Hl
Support
$76.62
Resistance
$93.22
Bollinger %B
0.21
Inside Bands
Price vs Moving Averages
EMA 9
$86.68
Below
EMA 21
$87.53
Below
EMA 50
$86.70
Below
EMA 200
$80.72
Above
Fundamental Analysis
Valuation
93
Growth
44
Profitability
0
Financial Health
100
Cash Flow
37
Valuation
P/E Ratio
20.1×
P/B Ratio
1.27×
PEG Ratio
-0.41
Dividend Yield
0.02%
52W High
$93.22
52W Low
$68.28
Quality & Growth
ROE
6.6%
ROA
1.1%
Gross Margin
35.7%
Operating Margin
6.8%
Revenue Growth YoY
—
Debt / Equity
0.35
AI Fundamental Assessment
P/E ratio of 20.1 (inexpensive relative to a 15-40x range); Price-to-book of 1.3x; PEG ratio of -0.4 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.0%; Net margin of 0.1%; Gross margin of 0.4%; Current ratio of 17.97 (healthy short-term liquidity); Debt-to-equity of 0.35; Free cash flow margin of 0.8% (thin cash generation); Free cash flow per share is positive (4.34); Most recent quarter missed estimates by 0.9%; EPS growth decelerating (+11.5% -> +0.9% QoQ); Average YoY EPS growth of 4.3%; Analyst estimates rising over recent quarters
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