MFC vs UNM

For growth investors, Manulife Financial Corporation (MFC) is the stronger pick with 937.

7% revenue growth year-over-year, versus 2. 1% for Unum Group (UNM). Manulife Financial Corporation (MFC) offers the better valuation at 17. 7x trailing P/E (8. 6x forward), making it the more compelling value choice. Analysts rate Manulife Financial Corporation (MFC) a "Buy" — based on 14 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, Manulife Financial Corporation (MFC) is the cheapest at 17.

7x versus Unum Group at 18. 8x. On forward P/E, Manulife Financial Corporation is actually cheaper at 8. 6x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Unum Group wins at 4. 76x versus Manulife Financial Corporation's 9. 15x.

Over the past 5 years, Unum Group (UNM) delivered a total return of +192.

1%, compared to +111. 0% for Manulife Financial Corporation (MFC). Over 10 years, the gap is even starker: MFC returned +244. 9% versus UNM's +175. 7%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Unum Group (UNM) is the lower-risk stock at 0.

48β versus Manulife Financial Corporation's 0. 99β — meaning MFC is approximately 106% more volatile than UNM relative to the S&P 500. On balance sheet safety, Manulife Financial Corporation (MFC) carries a lower debt/equity ratio of 28% versus 35% for Unum Group — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Manulife Financial Corporation (MFC) is pulling ahead at 937.

7% versus 2. 1% for Unum Group (UNM). On earnings-per-share growth, the picture is similar: Manulife Financial Corporation grew EPS 8. 1% year-over-year, compared to -54. 8% for Unum Group. Over a 3-year CAGR, MFC leads at 36. 2% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

Manulife Financial Corporation (MFC) is the more profitable company, earning 9.

5% net margin versus 5. 7% for Unum Group — meaning it keeps 9. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: MFC leads at 11. 6% versus 7. 2% for UNM. At the gross margin level — before operating expenses — MFC leads at 100. 0%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, Unum Group (UNM) is the more undervalued stock at a PEG of 4. 76x versus Manulife Financial Corporation's 9. 15x. Both stocks trade at elevated growth-adjusted valuations, so expected growth needs to materialise. On forward earnings alone, Manulife Financial Corporation (MFC) trades at 8. 6x forward P/E versus 9. 2x for Unum Group — 0. 6x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for MFC: 27. 6% to $51. 00.

All stocks in this comparison pay dividends.

Manulife Financial Corporation (MFC) offers the highest yield at 4. 9%, versus 2. 2% for Unum Group (UNM).

For long-horizon retirement investors, Unum Group (UNM) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.

48), 2. 2% yield, +175. 7% 10Y return). Both have compounded well over 10 years (UNM: +175. 7%, MFC: +244. 9%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

In terms of investment character: MFC is a mid-cap high-growth stock; UNM is a mid-cap quality compounder stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.