Unum · Financials
UNM
$89.05
Unum Group is an American insurance company headquartered in Chattanooga, Tennessee. Founded as Union Mutual in 1848 and known as UnumProvident from 1999–2007, the company is part of the Fortune 500.UnumGroup是一家美国保险公司，总部位于田纳西州查塔努加。该公司成立于1848年，前身为UnionMutual，1999年至2007年间名为UnumProvident，是财富500强企业之一。
Financial金融股
Large cap大盘
$15B
Engine stance引擎立场2026-07-20
Neutral — no clear edge中性 — 无明显优势
Daily low forming, but the bigger trend is still bearish. Small size only; stop below 87.5.日线低点正在形成，但大趋势仍偏空。只适合小仓位；止损设于 87.5 下方。
Key Statistics关键统计
Price价格
$89.05
4.0% below 52-week high低于52周高点 4.0%
Market Cap市值
$15B
Normal volume正常成交量
P/E Ratio市盈率
19.8x
15.0x sector median
Beta贝塔
0.21
Moves about 0.2x the market波动幅度约为市场的 0.2 倍
RSI (14)RSI（14）
52
Neutral zone中性区域
Next Earnings下次财报
2026-08-04 (16d)
Volatility Rank波动率分位
72th pctile
hist. vol. percentile历史波动率分位数
Short Interest空头兴趣
1.8% of float
Performance价格表现
| Period周期 | UNM | S&P 500 | vs Index对比指数 |
|---|---|---|---|
| 1 Week近1周 | +1.8% | -1.5% | Beat the index by 3.3 points跑赢指数 3.3 个百分点 |
| 1 Month近1月 | -2.8% | +0.6% | Lagged the index by 3.4 points落后指数 3.4 个百分点 |
| 3 Months近3月 | +12.5% | +4.7% | Beat the index by 7.8 points跑赢指数 7.8 个百分点 |
| 6 Months近6月 | +18.4% | +7.8% | Beat the index by 10.6 points跑赢指数 10.6 个百分点 |
| Year to date年初至今 | +16.7% | +9.1% | Beat the index by 7.6 points跑赢指数 7.6 个百分点 |
| 1 Year近1年 | +12.6% | +19.4% | Lagged the index by 6.8 points落后指数 6.8 个百分点 |
| 3 Years近3年 | +99.6% | +69.4% | Beat the index by 30.2 points跑赢指数 30.2 个百分点 |
Technicals技术面
RSI (14)RSI（14）
52
Neutral zone中性区域
vs 50-day相对50日均线
+2.7% vs 50-day avg
vs 200-day相对200日均线
+14.0% vs 200-day avg
Volatility rank波动率分位
72th percentile 分位
Engine reference levels — not advice引擎参考水平 — 非投资建议
Buy zone买入区间
$88.79
Don't chase above不追高于
$89.05
Stop止损
$87.50
Bounce — turn not confirmed; wait反弹 — 转向未确认，先观望
Earnings财务业绩
16
days until next report天后公布财报
2026-08-04
Estimates being cut预期下调
Earnings call transcripts — coming soon财报电话会议记录 — 即将上线
Valuation估值
| Multiple指标 | UNM | Sector median行业中位 | Cheaper than相对便宜 |
|---|---|---|---|
| P/E (trailing)市盈率（历史） | 19.75x | 14.99 | 26% |
| P/B市净率 | 1.31x | 1.52 | 61% |
| P/S市销率 | 1.12x | 2.87 | 82% |
| Earnings yield盈利收益率 | 5.06% | 6.58 | 29% |
| Shareholder yield股东收益率 | 6.93% | 3.91 | 77% |
Analyst price targets — coming soon分析师目标价 — 即将上线
Financials财务数据
Revenue营业收入
5yr CAGR5年复合增速: -0.1%
Earnings Per Share每股收益
5yr CAGR5年复合增速: 1.9%
Free Cash Flow自由现金流
Margins利润率
6.6%Return on Equity股本回报率
1.2%Return on Assets资产回报率
Capital Allocation资本配置
| Buybacks (TTM)回购（TTM） | $1.0B |
| Stock-based comp股权薪酬 | $53.6M |
| Share count change (1y)股数变化（1年） | -10.3% |
Piotroski皮奥特罗斯基 2/6
Watch关注
Snapshot Gauges综合指标
Valuation vs Sector估值相对行业
Looks cheap vs sector相对行业偏便宜
Cheaper than 56% of its sector on blended multiples综合估值倍数低于行业内 56% 的公司
Beta市场敏感度
0.21×
0.21×3×
Moves about 0.2× the market波动幅度约为市场的 0.2 倍
Financial Health财务健康
2/6
Weak financial health财务健康状况偏弱
Dividend分红
—
Does not pay a dividend不派发股息
Why Is It Moving为何波动
Macro宏观
Short-duration name into a restrictive, rising-real-rate regime → rate tailwind.短久期标的进入偏紧、实际利率上行的环境→利率顺风。
Positioning持仓
Short interest changed -12.0%空头仓位变动 -12.0%
Technical技术面
UNM StochRSI turned up from oversoldUNM StochRSI自超卖区上行
Ownership & Smart Money持仓与聪明钱
Insider activity内部人员活动: -$2.5M net (0 buyers, 6 sellers)-$2.5M 净值（0 买家，6 卖家）
Signal History信号历史
COUNTERTREND BOUNCE
UNCONFIRMED TURN
Jul 15, 2026
UNM StochRSI turned up from oversoldUNM StochRSI自超卖区上行
StochRSI popped back above 20 — the earliest oscillator heads-up that downside momentum is easing. $89.00.StochRSI重回20上方 — 下行动量趋缓的最早预警。$89.00。
Jul 14, 2026
BOTTOMING → UNCONFIRMED TURN筑底中 → 未确认转向
HIGH-RISK · NIMBLE ONLY高风险 · 仅限灵活操作
Jul 13, 2026
BOTTOMING → UNCONFIRMED TURN筑底中 → 未确认转向
HIGH-RISK · NIMBLE ONLY高风险 · 仅限灵活操作
Jul 10, 2026
BOTTOMING → UNCONFIRMED TURN筑底中 → 未确认转向
HIGH-RISK · NIMBLE ONLY高风险 · 仅限灵活操作
Jul 6, 2026
NEARING A HIGH → BOTTOMING接近高点 → 筑底中
BUY SETUP买入预备
Jul 2, 2026
UNM StochRSI turned up from oversoldUNM StochRSI自超卖区上行
StochRSI popped back above 20 — the earliest oscillator heads-up that downside momentum is easing. $92.34.StochRSI重回20上方 — 下行动量趋缓的最早预警。$92.34。
Jul 1, 2026
BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS止盈
Jul 1, 2026
UNM took relative-strength leadershipUNM 取得相对强弱领先
Relative strength vs SPY crossed above the 90th percentile of the last 90 days — leadership tends to persist. $91.40.相对标普500的强弱上穿近90日的第90百分位 — 领先往往延续。$91.40。
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Factor Profile因子特征
Composite factor score综合因子得分: 0.57
Value价值
+0.6
Quality质量
+0.2
Investment资本投入
+0.3
Shareholder payout股东回报
+0.7
Low volatility低波动
+0.9
Low market beta低市场敏感度
+0.8
Earnings quality盈利质量
-0.8
Short interest空头兴趣
+1.2
Company Profile公司档案
Unum Group is an American insurance company headquartered in Chattanooga, Tennessee. Founded as Union Mutual in 1848 and known as UnumProvident from 1999–2007, the company is part of the Fortune 500.UnumGroup是一家美国保险公司，总部位于田纳西州查塔努加。该公司成立于1848年，前身为UnionMutual，1999年至2007年间名为UnumProvident，是财富500强企业之一。
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Nightly signals, options flow, and factor analysis across all S&P 500 names.每日更新的信号、期权资金流向和因子分析，覆盖所有标普500成分股。