Unum Group

MUN:UUM Stock Report

Market Cap: €13.2b

Unum Group Valuation

Is UUM undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of UUM when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: UUM (€58.16) is trading below our estimate of fair value (€150.26)

Significantly Below Fair Value: UUM is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for UUM?

Key metric: As UUM is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for UUM. This is calculated by dividing UUM's market cap by their current earnings.
What is UUM's PE Ratio?
PE Ratio7.8x
EarningsUS$1.76b
Market CapUS$13.77b

Price to Earnings Ratio vs Peers

How does UUM's PE Ratio compare to its peers?

The above table shows the PE ratio for UUM vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average11.8x
TLX Talanx
10.9x5.0%€20.2b
HNR1 Hannover Rück
13.2x5.7%€29.6b
MUV2 Münchener Rückversicherungs-Gesellschaft in München
11.2x2.9%€63.8b
ALV Allianz
11.9x5.9%€112.3b
UUM Unum Group
7.8x-3.9%€13.8b

Price-To-Earnings vs Peers: UUM is good value based on its Price-To-Earnings Ratio (7.8x) compared to the peer average (11.7x).

Price to Earnings Ratio vs Industry

How does UUM's PE Ratio compare vs other companies in the European Insurance Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
UUM 7.8xIndustry Avg. 11.9xNo. of Companies13PE0816243240+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: UUM is good value based on its Price-To-Earnings Ratio (7.8x) compared to the European Insurance industry average (11.9x).

Price to Earnings Ratio vs Fair Ratio

What is UUM's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

UUM PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio7.8x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate UUM's Price-To-Earnings Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst UUM forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Currentn/a
€71.46
0%
6.8%€80.14€62.01n/a11
Nov ’25€59.08
€64.37
+9.0%
7.4%€69.98€58.01n/a11
Oct ’25n/a
€57.39
0%
9.7%€65.38€47.47n/a12
Sep ’25n/a
€57.47
0%
9.1%€64.04€48.49n/a11
Aug ’25n/a
€57.59
0%
8.6%€64.65€48.95n/a11
Jul ’25n/a
€55.32
0%
8.0%€61.67€47.65n/a10
Jun ’25n/a
€54.76
0%
8.1%€61.36€47.41n/a10
May ’25n/a
€54.81
0%
8.7%€61.73€47.70n/a10
Apr ’25n/a
€53.09
0%
8.7%€59.40€46.41n/a10
Mar ’25n/a
€53.09
0%
8.7%€59.40€46.41n/a10
Feb ’25n/a
€52.02
0%
9.1%€58.88€46.00n/a11
Jan ’25n/a
€50.50
0%
8.3%€56.67€41.81n/a11
Dec ’24n/a
€49.28
0%
7.9%€55.67€41.07n/a12
Nov ’24n/a
€52.05
0%
8.4%€59.62€45.42€59.0812
Oct ’24n/a
€51.53
0%
8.8%€59.20€44.17n/a12
Sep ’24€45.70
€50.11
+9.7%
8.5%€57.93€43.22n/a12
Aug ’24n/a
€47.29
0%
7.6%€55.14€41.80n/a12
Jul ’24€43.25
€47.00
+8.7%
8.8%€54.10€42.18n/a12
Jun ’24n/a
€46.97
0%
7.9%€54.83€42.75n/a13
May ’24n/a
€44.21
0%
8.5%€51.96€37.38n/a14
Apr ’24n/a
€45.35
0%
6.7%€49.44€37.31n/a13
Mar ’24n/a
€44.79
0%
6.3%€49.15€38.75n/a13
Feb ’24n/a
€42.08
0%
6.5%€47.34€37.32n/a13
Jan ’24n/a
€43.60
0%
8.4%€50.47€35.91n/a13
Dec ’23€39.93
€43.60
+9.2%
8.4%€50.47€35.91n/a13
Nov ’23€44.69
€42.52
-4.8%
10.2%€51.18€36.85n/a13

Analyst Forecast: Target price is lower than the current share price.

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