Based on Clarity's multi-model valuation engine, Unum Group (UNM) has an estimated fair value of $47.99 per share, compared to its current market price of $72.52. The stock is currently trading 33.8% above Clarity's fair value estimate, resulting in a verdict of SIGNIFICANTLY OVERVALUED.

This valuation blends 3 independent models — including Comparable Companies, Discounted Cash Flow (DCF), Residual Income. The primary weight is given to the Comparable Companies model, with Bayesian triangulation used to reconcile the estimates into a single blended fair value. The 3 models show moderate agreement with a 27% spread between the highest and lowest estimates.

Monte Carlo simulation across 5,000 scenarios estimates a 9.4% probability that the stock is trading below its intrinsic value, with a median simulated value of $44.46.

Clarity's 1-year price target is $49.31, reflecting expected earnings growth and margin trajectory.

Unum Group is classified under the Life Insurance sector, and this valuation is based on 10-K · Filed 2026-02-17 filings sourced directly from SEC EDGAR. All models use trailing twelve month financials where available, with sector-appropriate growth and discount rate assumptions.