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Unum Group
UNMFinancial ServicesNYSEUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $13.05B | 5.7% | $744.10M | $561.34M | N/A |
| 2027 | $13.42B | 5.7% | $764.94M | $577.06M | $524.60M |
| 2028 | $13.80B | 5.7% | $786.35M | $593.21M | $490.26M |
| 2029 | $14.18B | 5.7% | $808.37M | $609.82M | $458.17M |
| 2030 | $14.58B | 5.7% | $831.01M | $626.90M | $428.18M |
| 2031 | $14.99B | 5.7% | $854.27M | $644.45M | $400.15M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $4.28 | 2025-12-31 |
| EPS growth | -40.0% | Forecast years: 5 |
| Future EPS | $0.333 | EPS × (1 + G)^5 |
| Base P/E | 18.1 | P/E |
| Future price | $6.024 | Future EPS × P/E |
| Fair value today | $3.74 | PV @ 10.0% |
| 30% safety price | $2.618 | Margin of safety |
| 50% safety price | $1.87 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $27.84 | $33.923 | $42.218 |
| 10.0% | $21.661 | $26.146 | $32.011 |
| 11.0% | $16.784 | $20.199 | $24.524 |