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Unum Group (UNM) is not a strong buy for a beginner, long-term investor at this moment. While hedge funds are buying and options sentiment leans bullish, the company's financial performance has been weak, with significant declines in net income and EPS. Analysts have also lowered price targets, and technical indicators show a bearish trend. For a long-term investor, it would be prudent to wait for stronger financial performance and clearer upward momentum before investing.
The MACD is positive and expanding, indicating some bullish momentum. However, the RSI is neutral, and the moving averages are bearish (SMA_200 > SMA_20 > SMA_5), suggesting a downward trend. The stock is trading near its resistance level (R1: 74.075), which may limit immediate upside potential.

Hedge funds are significantly increasing their positions in the stock, with a 3640.68% increase in buying over the last quarter. Options sentiment is bullish, and the MACD is positive.
The company's Q4 financials show a significant decline in net income (-50.07% YoY) and EPS (-45.83% YoY). Analysts have lowered price targets across the board, citing weaker-than-expected guidance and performance. Technical indicators show a bearish trend, and insiders are neutral with no significant trading activity.
In Q4 2025, revenue increased slightly by 0.23% YoY to $3.24 billion. However, net income dropped significantly by 50.07% YoY to $174.1 million, and EPS fell by 45.83% YoY to $1.04. This indicates weak profitability and earnings growth.
Analysts have generally lowered their price targets for UNM. Wells Fargo reduced the target to $102 from $104, UBS to $81 from $85, JPMorgan to $90 from $92, Evercore ISI to $103 from $105, and Barclays to $95 from $96. Ratings are mixed, with some maintaining Overweight or Outperform ratings, while others remain Neutral.