US · UNMA
Unum Group 6.250% JR NT58
- Sector
- Financial Services · Insurance - Diversified
- Headquarters
- Chattanooga, DE 37402
- Website
- unum.com
Price · as of 2025-12-31
$23.48
Market cap 5.27B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $23.49 | +0.04% |
| Intrinsic Value(DCF) | $16.63 | -29.17% |
| Graham-Dodd Method(GD) | $57.18 | +143.54% |
| Graham Formula(GF) | $40.54 | +72.65% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $26.25 | $7.67 | |||
| 2012 | $38.55 | $33.05 | |||
| 2013 | $39.53 | $21.66 | |||
| 2014 | $31.01 | $15.17 | |||
| 2015 | $40.99 | $35.15 | |||
| 2016 | $44.81 | $43.52 | |||
| 2017 | $49.75 | $44.93 | |||
| 2018 | $16.65 | $21.42 | $0.00 | $34.85 | $25.76 |
| 2019 | $17.80 | $92.72 | $0.00 | $55.68 | $59.72 |
| 2020 | $19.16 | $108.00 | $0.00 | $54.04 | $67.42 |
| 2021 | $20.02 | $87.16 | $1.67 | $56.77 | $0.00 |
| 2022 | $18.81 | $113.76 | $3.60 | $57.87 | $54.34 |
| 2023 | $21.90 | $113.70 | $1.85 | $58.80 | $75.56 |
| 2024 | $23.33 | $187.96 | $0.00 | $80.33 | $113.47 |
| 2025 | $23.42 | $23.49 | $11.02 | $57.18 | $40.54 |
AI valuation
Our deep-learning model estimates Unum Group 6.250% JR NT58's (UNMA) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $23.49
- Current price
- $23.48
- AI upside
- +0.04%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$16.63
-29.17% upside
Graham-Dodd
$57.18
+143.54% upside
Graham Formula
$40.54
+72.65% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| UNMA | Unum Group 6.250% JR NT58 | $23.48 | 5.27B | 0% | -29% | +144% | +73% | 5.47 | 0.36 | 0.31 | 6.05 | — | 0.52 | 38.16% | 7.14% | 5.65% | 6.69% | 5.05% | 1.85% | 0.34 | 4.47 | 3.65 | 3.65 | 2.85 | -5490.00% | 146.00% | -5997.00% | 13.75% | 1.58 | 3.80% | 7.58% | 41.50% | 32.58% | 8.19 | 13.77 | 0.59 | 0.61 |
| AEG | Aegon Ltd. | $7.50 | 11.36B | +109% | +560% | -65% | +201% | 15.96 | 1.15 | 0.54 | -67.18 | — | 1.22 | 100.00% | 3.37% | 3.52% | 7.89% | -3.69% | 0.21% | 0.54 | 109.50 | 4.14 | 8.47 | 2.40 | -35000.00% | 5040.00% | -1101.00% | 6.75% | 0.10 | -3.99% | 4.95% | 78.90% | 13.73% | -64.93 | -60.00 | -2.19 | 0.19 |
| AIZN | Assurant, Inc. 5.25% Subo… | $20.52 | 1.02B | +147% | +218% | +389% | +1,214% | 1.19 | 0.18 | 0.08 | -4.95 | 5.86 | -0.15 | 77.15% | 8.49% | 6.81% | 15.90% | 260.78% | 2.45% | 0.38 | 9.91 | 0.50 | 0.52 | 0.26 | 2026.00% | 789.00% | 4382.00% | 154.19% | 0.08 | 477.63% | 16.24% | 19.30% | 45.54% | -6.59 | -4.48 | -0.56 | 0.26 |
| CNA | CNA Financial Corporation | $48.02 | 13B | -25% | -32% | -83% | +29% | 10.52 | 1.16 | 0.91 | 7.49 | 31.64 | 1.28 | 30.73% | 11.01% | 8.69% | 11.55% | 12.16% | 1.88% | 0.26 | 12.00 | — | — | 1.40 | 3324.00% | 510.00% | -291.00% | 17.89% | — | 22.87% | 7.79% | 81.90% | 8.04% | 8.44 | 5.69 | 0.93 | 0.68 |
| GL | Globe Life Inc. | $145.26 | 11.56B | -4% | -15% | -4% | +16% | 10.19 | 1.98 | 1.97 | 8.79 | 57.38 | 2.16 | 33.40% | 24.38% | 19.36% | 20.59% | -193.46% | 3.88% | 0.44 | 10.36 | 4.03 | 4.03 | 1.56 | 1776.00% | 382.00% | -582.00% | 10.60% | 4.58 | -205.63% | 0.00% | 0.00% | 0.79% | 9.57 | 11.16 | 2.33 | 1.06 |
| MET | MetLife, Inc. | $72.07 | 47.49B | +5% | -2% | -26% | +26% | 14.41 | 1.71 | 0.63 | 8.04 | — | 2.59 | 36.36% | 6.05% | 4.38% | 12.10% | -23.70% | 0.48% | 0.68 | 4.39 | — | — | -0.47 | -1919.00% | 1022.00% | -8121.00% | 5.83% | — | -19.78% | 0.00% | 0.00% | 2.77% | 9.87 | 16.20 | 0.60 | 0.38 |
| ORI | Old Republic Internationa… | $42.87 | 10.61B | -36% | -18% | -35% | +62% | 11.21 | 1.78 | 1.16 | 9.57 | 74.11 | 1.78 | 50.35% | 13.02% | 10.30% | 16.25% | 16.51% | 3.24% | 0.27 | 16.88 | — | — | 1.07 | 1512.00% | 1041.00% | -10011.00% | -0.01% | — | -0.02% | 2.38% | 26.70% | 4.13% | 10.00 | -8448.89 | 1.30 | 1.08 |
| RGA | Reinsurance Group of Amer… | $215.73 | 14.18B | -21% | +236% | +11% | -6% | 12.13 | 1.07 | 0.63 | 8.15 | 18.70 | 1.07 | 25.40% | 6.76% | 5.19% | 9.74% | 8.64% | 0.86% | 0.42 | 4.21 | — | — | 0.79 | 6486.00% | 339.00% | -5634.00% | 28.53% | — | 29.71% | 1.67% | 20.30% | 4.10% | 10.31 | 3.88 | 0.70 | 0.40 |
| RNR | RenaissanceRe Holdings Lt… | $302.46 | 13.17B | +18% | +2,428% | +72% | +238% | 3.81 | 1.19 | 1.08 | -4.07 | 6.26 | 1.46 | 40.66% | 31.49% | 21.04% | 32.62% | -56.67% | 6.92% | 0.20 | 33.21 | 5.03 | 4.92 | 0.14 | 6081.00% | 945.00% | -1133.00% | 26.81% | 0.41 | -57.85% | 0.80% | 3.00% | 12.41% | -4.20 | -4.56 | -1.32 | 1.82 |
| SF | Stifel Financial Corp. | $74.05 | 11.46B | -1% | +57% | +4% | +33% | 11.36 | 1.30 | 1.23 | 5.12 | — | 1.76 | 86.56% | 13.83% | 10.86% | 11.72% | 16.19% | 1.68% | 0.14 | 1.07 | 4.49 | 6.49 | -1.50 | -592.00% | 694.00% | 15320.00% | 13.58% | 1.31 | 24.98% | 0.00% | 0.00% | 19.25% | 5.48 | 4.53 | 0.76 | 0.58 |
About Unum Group 6.250% JR NT58
Unum Group engages in the provision of financial protection benefits. Its services include disability, life, accident, critical illness, dental, vision, and other related services. It operates through the following segments: Unum US, Unum International, Colonial Life, Closed Block, and Corporate. The Unum US segment focuses on group disability, group life and accidental death and dismemberment products, and supplemental and voluntary lines of business. The Unum International segment engages in the operations of the UK business, which includes insurance for group long-term disability, group life, and supplemental lines of business that include dental, individual disability, and critical illness products. The Colonial Life segment includes insurance for accident, sickness, disability products, life products, and cancer and critical illness products. The Closed Block segment consists of individual disability, group and individual long-term care, and other insurance products no longer actively marketed. The Corporate segment refers to investment income on corporate assets and other corporate income and expenses not allocated to a line of business. The company was founded in 1848 and is headquartered in Chattanooga, TN.
- CEO
- None
- Employees
- 10.81K
- Beta
- 0.19
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($16.63 ÷ $23.48) − 1 = -29.17% (DCF, example).