UNM Unum Group PE ratio, current and historical analysis
As of May 13, 2025, the UNM stock has a PE ratio of 9.5. The calculation is based on the latest EPS of $8.52 and the stock price of $80.92 per share. An increase of 22% has been observed in the PE ratio compared to its average of 7.8 of the last four quarters.
UNM PE ratio history
The mean historical PE ratio of Unum Group over the last ten years is 8.91. The current 9.5 P/E ratio is 7% higher than the historical average. Looking back at the last ten years, UNM's PE ratio peaked in the Jun 2015 quarter at 23.68, with a price of $35.75 and an EPS of $1.51. The Mar 2020 quarter marked the lowest point at 3.18, with a price of $15.01 and an EPS of $4.72.
Unum Group PE ratio by year
Maximum annual increase: 149.83% in 2011
Maximum annual decrease: -70.77% in 2012
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2024 | 7.7 | 11.27% | $73.03 | $9.49 |
| 2023 | 6.92 | 18.29% | $45.22 | $6.53 |
| 2022 | 5.85 | 14.26% | $41.03 | $7.01 |
| 2021 | 5.12 | -13.22% | $24.57 | $4.8 |
| 2020 | 5.9 | 6.31% | $22.94 | $3.89 |
| 2019 | 5.55 | -55.02% | $29.16 | $5.25 |
| 2018 | 12.34 | -1.28% | $29.38 | $2.38 |
| 2017 | 12.5 | 12.71% | $54.89 | $4.39 |
| 2016 | 11.09 | 16.98% | $43.93 | $3.96 |
| 2015 | 9.48 | -57.34% | $33.29 | $3.51 |
| 2014 | 22.22 | 102.74% | $34.88 | $1.57 |
| 2013 | 10.96 | 67.33% | $35.08 | $3.2 |
| 2012 | 6.55 | -70.77% | $20.82 | $3.18 |
| 2011 | 22.41 | 149.83% | $21.07 | $0.94 |
| 2010 | 8.97 | 18.03% | $24.22 | $2.7 |
Unum Group PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2025 | 9.56 | 24.16% | $81.46 | $8.52 |
| Dec 2024 | 7.7 | 19.94% | $73.03 | $9.49 |
| Sep 2024 | 6.42 | -14.17% | $59.44 | $9.26 |
| Jun 2024 | 7.48 | -5.67% | $51.11 | $6.83 |
| Mar 2024 | 7.93 | 14.6% | $53.66 | $6.77 |
| Dec 2023 | 6.92 | -11.51% | $45.22 | $6.53 |
| Sep 2023 | 7.82 | 27.99% | $49.19 | $6.29 |
| Jun 2023 | 6.11 | 18.18% | $47.7 | $7.81 |
| Mar 2023 | 5.17 | -11.62% | $39.56 | $7.65 |
| Dec 2022 | 5.85 | 7.34% | $41.03 | $7.01 |
| Sep 2022 | 5.45 | -0.91% | $38.8 | $7.12 |
| Jun 2022 | 5.5 | -8.49% | $34.02 | $6.18 |
| Mar 2022 | 6.01 | 17.38% | $31.51 | $5.24 |
| Dec 2021 | 5.12 | -20.12% | $24.57 | $4.8 |
| Sep 2021 | 6.41 | -22.58% | $25.06 | $3.91 |
UNM Price vs fair value
You can ether set your own Fair P/E multiple or use one of the automatically calculated Fair P/E multiples.
Fair P/E calculation
PE Ratio is an attempt to estimate a fair PE ratio of a stock based on its earnings and growth rate.
This formula is a modified version of the classic Graham-Dodd Formula (V= EPS x (8.5+2g)), originally developed by Benjamin Graham, to calculate the fair price of a stock based on its earnings and growth rate.
The formula we have created is an adaptation of this approach, designed to maintain a balance between simplicity and growth sensitivity.
It is calculated using the following formula:
IF g < 5: Fair PE = b
IF g >= 5: Fair PE = m × g
Here’s what each part of the formula means:
g: Growth is calculated as the average of the three-year average EPS growth rate and the one-year EPS growth rate (annually). This approach provides a balanced measure of growth by factoring in both the long-term growth trend and the most recent annual growth performance. If one of the growth metrics is not available, the remaining metric is used to determine growth. Growth is a key driver of a stock's value, and our formula directly connects growth to the Fair PE ratio.
m: This is the long term historical median PEG (Price/Earnings to Growth) ratio of the overall market. It serves as a benchmark, adjusting the Fair PE based on typical market conditions.
b: Base PE (static value set to 8). If the company's growth rate is less than 5, the Fair PE is set at a conservative baseline of 8. This is because declining companies generally deserve a lower PE ratio.
Fixed vs Dynamic
Fixed: The Fair PE ratio for all data points is calculated using a single, constant average EPS growth rate, determined based on the most recent period. This means that the same growth rate is applied to all historical data points. Dynamic: The Fair PE ratio for each historical data point is calculated using the trailing average EPS growth rate specific to that point in time. This means that for each data point, the corresponding trailing EPS growth rate is used, ensuring that the Fair PE ratio reflects the growth conditions that were relevant at that specific point in history.
UNM average PE ratio chart
The current PE ratio of UNM is higher than its 3, 5 and 10-year averages.
UNM PE vs peers
UNM's PE ratio stands lower than its peer stocks AFL and PFG. Unum Group is currently trading at a lower PE ratio (9.5) than its peers average of 15.13.
| Stock name | PE ratio | Market cap |
|---|---|---|
| UNM Unum Group | 9.5 | $14.11B |
| VOYA Voya Financial Inc | 12.81 | $6.71B |
| CNO CNO Financial Group Inc | 13.33 | $3.83B |
| AIZ Assurant Inc | 15.69 | $10.26B |
| AFL Aflac Inc | 16.39 | $56.78B |
| PFG Principal Financial Group Inc | 17.42 | $18.32B |
| AAME Atlantic American Corp | N/A | $35.5M |
- Market
- Price
- Valuation
- Dividend
- Earnings
- Per share
- Balance sheet
- Liquidity
- Margins
- Efficiency
- Growth
- Market
- Price
- Valuation
- Dividend
- Earnings
- Per share
- Balance sheet
- Liquidity
- Margins
- Efficiency
- Growth
- Market
- Price
- Valuation
- Dividend
- Earnings
- Per share
- Balance sheet
- Liquidity
- Margins
- Efficiency
- Growth
Frequently asked questions
What is Unum Group's PE ratio?
As of May 13, 2025, UNM stock has a price to earnings ratio of 9.5.
What is the 3-year average PE ratio for Unum Group (UNM)?
Over the last 3 years, the average price to earnings ratio for UNM stock is 6.83.
What is the 5-year average PE ratio for Unum Group (UNM)?
Over the last 5 years, the average price to earnings ratio for UNM stock is 6.4.
What is the highest PE ratio for UNM?
Over the last ten years, the quarterly PE ratio reached its highest level at 23.68 in the Jun 2015 quarter.
How does the current PE ratio for UNM compare to its historical average?
UNM's current price to earnings ratio is 7% above its 10-year historical average.
Why is Unum Group's PE ratio so low?
UNM's PE ratio is low because the stock price is relatively cheap compared to the earnings generated by the company.
How is UNM's PE ratio calculated (Unum Group PE ratio formula)?
You can calculate the P/E ratio by dividing the most recent stock price by the trailing twelve months EPS. As of today (May 13, 2025), Unum Group's share price is $80.92. The company's earnings per share for the trailing twelve months (TTM) ending Mar 2025 is $8.52. Therefore, Unum Group's PE ratio for today is 9.5. PE RATIO(9.5) = STOCK PRICE($80.92) / TTM EPS($8.52)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.