UNM technical analysis
UNM Technical Analysis
Analysis date
July 15, 2026
Market
NYSE (USD)
Daily cutoff
July 14, 2026
Reliability
Passed
Informational use only. This page is not investment advice.
Data verification
UNM Data Verification
Checking the latest completed daily bar for date and closing-price consistency before indicators are calculated.
- Symbol
- UNM
- Market
- NYSE
- Currency
- USD (US Dollar)
- Latest completed bar
- July 14, 2026
Historical prices are adjusted for corporate actions when applicable. Date and closing-price consistency checks passed for the latest completed daily bar.
| Validation series | Latest Close | Date | Difference | Status |
|---|---|---|---|---|
| Calculation series | 84.72 | July 14, 2026 | - | Verified |
| Verification series | 84.72 | July 14, 2026 (previous close) | 0.00% | Verified |
Bottom line
UNM Technical Analysis Summary
UNM (Unum Group) shows a cautiously constructive technical picture after a pullback from early-July highs. On the daily chart, price at 84.72 has slipped below SMA20 (86.15, -1.66%), indicating short-term weakness following the move from the 60-day high near 92.34. However, price remains above SMA50 (83.40, +1.58%) and SMA200 (77.85, +8.83%), confirming the medium and longer-term trends remain intact. RSI14 at 44.83 on the daily chart has dipped below the 50 midline, suggesting bearish momentum in the near term. The daily MACD has generated a bearish crossover with the MACD line crossing below the signal line, and the histogram at -0.35 is negative — reflecting the recent pullback. On the weekly timeframe, the trend remains moderately bullish with price above SMA50 (80.55) and SMA200 (72.30), though price is below SMA20 (86.90). Weekly RSI at 51.62 is neutral, suggesting the longer-term uptrend is pausing rather than reversing. Key support rests at SMA50 (83.40) and the 20-day low (82.10), with stronger support at SMA200 (77.85). Resistance lies at SMA20 (86.15) and the 20-day high (90.45). A sustained move back above SMA20 would signal the pullback has run its course.
Multi-timeframe dashboard
Multi-Timeframe Technical Dashboard
Comparing daily (2-year) and weekly (5-year) perspectives to identify aligned or conflicting signals.
Daily (July 14, 2026)
- Trend
- Mixed. Price at 84.72 has slipped below SMA20 (86.15, -1.66%) but remains above SMA50 (83.40, +1.58%) and SMA200 (77.85, +8.83%). SMA20 has flattened and is trending slightly lower, while SMA50 and SMA200 continue to slope upward. This creates a situation where short-term momentum has softened, but the intermediate and long-term trends remain constructive.
- Momentum
- Bearish in the near term. RSI14 at 44.83 has fallen below the 50 midline, indicating short-term bearish momentum. The MACD line at 1.85 has crossed below the signal line at 2.20, and the histogram at -0.35 is negative — a bearish crossover that confirms the recent pullback has technical conviction.
- Volatility
- Moderate. ATR14 at 1.82 (2.15% of price) suggests average daily movement of about 2%. Bollinger Bands (80.45 to 88.95) show price in the lower half of the band range, consistent with the current pullback. Band width is moderate with no signs of unusual expansion or contraction.
- Volume
- Near average. Latest volume of 1,842,300 is 95.4% of the 20-period average (1,931,500), indicating typical participation levels. The pullback is occurring on normal volume rather than panic selling, which is a constructive sign.
Assessment
The daily chart shows a stock that has pulled back from recent highs near 92.34 but remains in a structurally sound position above its key longer-term moving averages. The RSI dipping below 50 and the bearish MACD crossover suggest the pullback may have a bit more room to run in the near term. However, the 52-week position at 52.3% of the annual range reflects the stock is near the middle of its range, neither overbought nor oversold. Volume patterns suggest this is a normal correction within an uptrend rather than a distribution pattern. A sustained hold above SMA50 (83.40) would keep the constructive medium-term picture intact.
Weekly (July 6, 2026 week)
- Trend
- Bullish but pausing. Price at 84.72 is above SMA50 (80.55) and SMA200 (72.30) but slightly below SMA20 (86.90). The SMA20 has flattened, reflecting the recent pullback, while SMA50 and SMA200 continue to slope upward. The weekly chart confirms the structural uptrend that has been building since the 52-week low of 65.20.
- Momentum
- Neutral. RSI14 at 51.62 is just above the 50 midline, indicating neutral momentum with a slight bullish bias. MACD line at 3.40 remains above the signal line at 2.85, and the histogram at 0.55 is still positive but has narrowed, suggesting momentum is decelerating.
- Volatility
- Moderate. ATR14 at 3.15 (3.72% of price) reflects typical weekly ranges for a mid-cap insurance stock. Bollinger Bands (76.50 to 95.80) are moderately wide, with price in the middle of the range, suggesting the current consolidation is within normal bounds.
- Volume
- Near average. Weekly volume of 9,214,000 is 97.8% of the 20-week average (9,420,000), indicating consistent institutional participation.
Assessment
The weekly chart confirms the structural uptrend remains intact despite the recent pullback. Price above SMA50 and SMA200 provides a solid foundation, and the RSI at 51.62 reflects a healthy neutral position — not overbought or oversold. Unum's position as a leading group disability and life insurer with strong free cash flow, active share buybacks, and a steady 3%+ dividend yield provides fundamental support. The weekly MACD remains positive, suggesting the underlying trend direction is still up. The current consolidation phase is better viewed as a normal correction within an uptrend rather than a trend reversal.
Key indicators
UNM Key Technical Indicators
RSI, MACD, moving averages, ATR, and Bollinger Bands across daily and weekly timeframes.
| Indicator | Daily | Weekly |
|---|---|---|
| RSI (14) | 44.83 | 51.62 |
| MACD (12, 26, 9) | 1.85 / 2.20 / -0.35 | 3.40 / 2.85 / 0.55 |
| ATR (14) | 1.82 (2.15%) | 3.15 (3.72%) |
| Bollinger Bands (20, 2) | 80.45 - 88.95 | 76.50 - 95.80 |
| SMA (20) | 86.15 | 86.90 |
| SMA (50) | 83.40 | 80.55 |
| SMA (200) | 77.85 | 72.30 |
Price structure
UNM Price Structure and Returns
Price performance across multiple lookback periods and 52-week position.
| Metric | Daily | Weekly |
|---|---|---|
| Current Price | 84.72 | 84.72 |
| 1-Period Return | -1.42% | -0.85% |
| 5-Period Return | -3.85% | -2.10% |
| 20-Period Return | -1.65% | +4.50% |
| 60-Period Return | +8.20% | +12.80% |
| 252-Period Return | +14.50% | +16.20% |
| 52-Week Low | 65.20 | 65.20 |
| 52-Week High | 94.50 | 94.50 |
| 52-Week Position | 52.30% | 50.85% |
Key levels
UNM Support and Resistance Levels
Key price levels based on recent swing highs and lows across daily and weekly timeframes.
| Level | Daily | Weekly |
|---|---|---|
| 20-Period High | 90.45 | 93.80 |
| 20-Period Low | 82.10 | 79.50 |
| 60-Period High | 92.34 | 94.50 |
| 60-Period Low | 78.60 | 72.30 |
Scenarios
UNM Technical Scenarios
Conditions, invalidation triggers, and what to watch for each scenario.
Bullish
Trigger
Price reclaims SMA20 (86.15) with above-average volume and breaks above the 20-day high at 90.45, targeting the 60-day high at 92.34 and the 52-week high at 94.50.
Invalidation
Price breaks below SMA50 (83.40) and the 20-day low at 82.10, suggesting the correction is deepening.
What to watch
Daily RSI recovering above 50; MACD histogram turning less negative; volume increasing on up days; sustained hold above SMA50.
Range-Bound
Trigger
Price oscillates between SMA50 support (83.40) and SMA20 resistance (86.15), consolidating the recent pullback before the next directional move.
Invalidation
A decisive break above 86.15 or below 82.10 with conviction.
What to watch
RSI staying between 40 and 55; MACD histogram fluctuating near zero; volume remaining near average levels; no catalyst-driven directional move.
Bearish
Trigger
Price fails to hold above SMA50 (83.40) and breaks below the 20-day low at 82.10, suggesting a deeper correction toward SMA200 (77.85).
Invalidation
Price reclaims and holds above SMA20 (86.15) with improving momentum signals.
What to watch
Daily RSI falling below 40; MACD histogram becoming more negative; volume increasing on down days; broader market weakness in financials and insurance sector.
Methodology
Methodology and Limitations
This technical analysis is calculated locally from adjusted OHLCV history. The daily series ends July 14, 2026, and the weekly series ends July 6, 2026 week. The latest completed daily bar is independently checked for date and closing-price consistency. Historical prices are adjusted for corporate actions when applicable. Indicators include Wilder RSI(14), MACD(12,26,9), SMA20/50/200, Wilder ATR(14), Bollinger Bands(20,2), relative volume, multi-period returns, and price-range levels. Support and resistance are descriptive zones, not guaranteed reversal points. Historical patterns do not predict future prices, and this page is not investment advice.
Frequently Asked Questions
This technical analysis is for informational and educational purposes only. It does not constitute investment advice, a recommendation, or a solicitation to buy or sell any security. Past performance and historical patterns are not guarantees of future results. All investments carry risk, including the potential loss of principal. Always conduct your own research and consult with a qualified financial advisor before making investment decisions.
Market data is checked for date and closing-price consistency before indicators are calculated. Data cutoffs: daily July 14, 2026, weekly July 6, 2026 week. Generated July 15, 2026.
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