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Stock Comparison

UNMA vs MET

Revenue, margins, valuation, and 5-year total return — side by side.

Live fundamentals10-year financials5-year price chart
UNMA
Unum Group 6.250% JR NT58

Insurance - Diversified

Financial ServicesNYSE • US
Market Cap$5.30B
5Y Perf.-3.0%
MET
MetLife, Inc.

Insurance - Life

Financial ServicesNYSE • US
Market Cap$51.39B
5Y Perf.+118.9%

UNMA vs MET — Key Financials

Market cap, revenue, margins, and valuation side-by-side.

Company Snapshot
UNMA logoUNMA
MET logoMET
IndustryInsurance - DiversifiedInsurance - Life
Market Cap$5.30B$51.39B
Revenue (TTM)$13.30B$76.94B
Net Income (TTM)$781M$3.62B
Gross Margin33.9%28.4%
Operating Margin7.5%6.3%
Forward P/E2.7x8.0x
Total Debt$3.90B$20.18B
Cash & Equiv.$158M$22.03B

UNMA vs METLong-Term Stock Performance

Price return indexed to 100 at period start. Dividends excluded.

UNMA
MET
StockMay 20May 26Return
Unum Group 6.250% J… (UNMA)10097.0-3.0%
MetLife, Inc. (MET)100218.9+118.9%

Price return only. Dividends and distributions are not included.

Quick Verdict: UNMA vs MET

Each card shows where this stock fits in a portfolio — not just who wins on paper.

Bottom line: UNMA leads in 5 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. MetLife, Inc. is the stronger pick specifically for growth and revenue expansion and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
UNMA
Unum Group 6.250% JR NT58
The Insurance Pick

UNMA carries the broadest edge in this set and is the clearest fit for income & stability and sleep-well-at-night.

  • Dividend streak 20 yrs, beta 0.20, yield 7.6%
  • Lower volatility, beta 0.20, Low D/E 35.1%
  • Beta 0.20, yield 7.6%
Best for: income & stability and sleep-well-at-night
MET
MetLife, Inc.
The Insurance Pick

MET is the clearest fit if your priority is growth exposure and long-term compounding.

  • Rev growth 10.2%, EPS growth -19.2%, 3Y rev CAGR 4.3%
  • 153.9% 10Y total return vs UNMA's 44.0%
  • 10.2% revenue growth vs UNMA's 2.1%
Best for: growth exposure and long-term compounding
See the full category breakdown
CategoryWinnerWhy
GrowthMET logoMET10.2% revenue growth vs UNMA's 2.1%
ValueUNMA logoUNMALower P/E (2.7x vs 8.0x)
Quality / MarginsUNMA logoUNMACombined ratio 0.9 vs MET's 0.9 (lower = better underwriting)
Stability / SafetyUNMA logoUNMABeta 0.20 vs MET's 1.09, lower leverage
DividendsUNMA logoUNMA7.6% yield, 20-year raise streak, vs MET's 2.9%
Momentum (1Y)MET logoMET+4.9% vs UNMA's +2.8%
Efficiency (ROA)UNMA logoUNMA1.6% ROA vs MET's 0.5%, ROIC 4.7% vs 13.1%

UNMA vs MET — Revenue Breakdown by Segment

How each company's revenue is distributed across its business units

UNMAUnum Group 6.250% JR NT58
FY 2025
Unum US
60.7%$7.9B
Colonial Life
15.4%$2.0B
Closed Block
14.5%$1.9B
Unum International
9.5%$1.2B
METMetLife, Inc.
FY 2025
Prepaid legal plans and administrative-only contracts
26.1%$637M
Vision fee for service arrangements
23.0%$561M
Other revenue from service contracts from customers
17.7%$432M
Fee-based investment management services
15.1%$369M
Administrative Service
12.1%$295M
Distribution Service
5.8%$142M

UNMA vs MET — Financial Metrics

Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.

BEST OVERALLUNMALAGGINGMET

Income & Cash Flow (Last 12 Months)

UNMA leads this category, winning 4 of 6 comparable metrics.

MET is the larger business by revenue, generating $76.9B annually — 5.8x UNMA's $13.3B. Profitability is closely matched — net margins range from 5.9% (UNMA) to 4.7% (MET). On growth, UNMA holds the edge at +9.0% YoY revenue growth, suggesting stronger near-term business momentum.

MetricUNMA logoUNMAUnum Group 6.250%…MET logoMETMetLife, Inc.
RevenueTrailing 12 months$13.3B$76.9B
EBITDAEarnings before interest/tax$1.1B$5.9B
Net IncomeAfter-tax profit$781M$3.6B
Free Cash FlowCash after capex$539M$16.5B
Gross MarginGross profit ÷ Revenue+33.9%+28.4%
Operating MarginEBIT ÷ Revenue+7.5%+6.3%
Net MarginNet income ÷ Revenue+5.9%+4.7%
FCF MarginFCF ÷ Revenue+4.1%+21.5%
Rev. Growth (YoY)Latest quarter vs prior year+9.0%+4.4%
EPS Growth (YoY)Latest quarter vs prior year+33.0%+35.9%
UNMA leads this category, winning 4 of 6 comparable metrics.

Valuation Metrics

UNMA leads this category, winning 5 of 6 comparable metrics.

At 5.5x trailing earnings, UNMA trades at a 67% valuation discount to MET's 16.4x P/E. On an enterprise value basis, UNMA's 8.6x EV/EBITDA is more attractive than MET's 8.7x.

MetricUNMA logoUNMAUnum Group 6.250%…MET logoMETMetLife, Inc.
Market CapShares × price$5.3B$51.4B
Enterprise ValueMkt cap + debt − cash$9.0B$49.5B
Trailing P/EPrice ÷ TTM EPS5.48x16.42x
Forward P/EPrice ÷ next-FY EPS est.2.68x8.05x
PEG RatioP/E ÷ EPS growth rate2.84x
EV / EBITDAEnterprise value multiple8.56x8.66x
Price / SalesMarket cap ÷ Revenue0.41x0.67x
Price / BookPrice ÷ Book value/share0.36x1.81x
Price / FCFMarket cap ÷ FCF9.55x2.84x
UNMA leads this category, winning 5 of 6 comparable metrics.

Profitability & Efficiency

MET leads this category, winning 5 of 9 comparable metrics.

MET delivers a 12.7% return on equity — every $100 of shareholder capital generates $13 in annual profit, vs $7 for UNMA. UNMA carries lower financial leverage with a 0.35x debt-to-equity ratio, signaling a more conservative balance sheet compared to MET's 0.70x. On the Piotroski fundamental quality scale (0–9), MET scores 8/9 vs UNMA's 5/9, reflecting strong financial health.

MetricUNMA logoUNMAUnum Group 6.250%…MET logoMETMetLife, Inc.
ROE (TTM)Return on equity+7.1%+12.7%
ROA (TTM)Return on assets+1.6%+0.5%
ROICReturn on invested capital+4.7%+13.1%
ROCEReturn on capital employed+1.5%+1.0%
Piotroski ScoreFundamental quality 0–958
Debt / EquityFinancial leverage0.35x0.70x
Net DebtTotal debt minus cash$3.7B-$1.8B
Cash & Equiv.Liquid assets$158M$22.0B
Total DebtShort + long-term debt$3.9B$20.2B
Interest CoverageEBIT ÷ Interest expense5.48x5.51x
MET leads this category, winning 5 of 9 comparable metrics.

Total Returns (Dividends Reinvested)

MET leads this category, winning 5 of 6 comparable metrics.

A $10,000 investment in MET five years ago would be worth $13,291 today (with dividends reinvested), compared to $11,772 for UNMA. Over the past 12 months, MET leads with a +4.9% total return vs UNMA's +2.8%. The 3-year compound annual growth rate (CAGR) favors MET at 16.7% vs UNMA's 6.2% — a key indicator of consistent wealth creation.

MetricUNMA logoUNMAUnum Group 6.250%…MET logoMETMetLife, Inc.
YTD ReturnYear-to-date+2.2%-1.2%
1-Year ReturnPast 12 months+2.8%+4.9%
3-Year ReturnCumulative with dividends+19.7%+58.9%
5-Year ReturnCumulative with dividends+17.7%+32.9%
10-Year ReturnCumulative with dividends+44.0%+153.9%
CAGR (3Y)Annualised 3-year return+6.2%+16.7%
MET leads this category, winning 5 of 6 comparable metrics.

Risk & Volatility

UNMA leads this category, winning 2 of 2 comparable metrics.

UNMA is the less volatile stock with a 0.20 beta — it tends to amplify market swings less than MET's 1.09 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.

MetricUNMA logoUNMAUnum Group 6.250%…MET logoMETMetLife, Inc.
Beta (5Y)Sensitivity to S&P 5000.20x1.09x
52-Week HighHighest price in past year$24.70$83.64
52-Week LowLowest price in past year$22.70$67.33
% of 52W HighCurrent price vs 52-week peak+94.9%+94.2%
RSI (14)Momentum oscillator 0–10050.467.1
Avg Volume (50D)Average daily shares traded21K3.5M
UNMA leads this category, winning 2 of 2 comparable metrics.

Analyst Outlook

UNMA leads this category, winning 2 of 2 comparable metrics.

For income investors, UNMA offers the higher dividend yield at 7.55% vs MET's 2.88%.

MetricUNMA logoUNMAUnum Group 6.250%…MET logoMETMetLife, Inc.
Analyst RatingConsensus buy/hold/sellBuy
Price TargetConsensus 12-month target$96.50
# AnalystsCovering analysts33
Dividend YieldAnnual dividend ÷ price+7.6%+2.9%
Dividend StreakConsecutive years of raises2013
Dividend / ShareAnnual DPS$1.77$2.27
Buyback YieldShare repurchases ÷ mkt cap+19.1%+7.6%
UNMA leads this category, winning 2 of 2 comparable metrics.
Key Takeaway

UNMA leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). MET leads in 2 (Profitability & Efficiency, Total Returns).

Best OverallUnum Group 6.250% JR NT58 (UNMA)Leads 4 of 6 categories
Loading custom metrics...

UNMA vs MET: Frequently Asked Questions

10 questions · data-driven answers · updated daily

01

Is UNMA or MET a better buy right now?

For growth investors, MetLife, Inc.

(MET) is the stronger pick with 10. 2% revenue growth year-over-year, versus 2. 1% for Unum Group 6. 250% JR NT58 (UNMA). Unum Group 6. 250% JR NT58 (UNMA) offers the better valuation at 5. 5x trailing P/E (2. 7x forward), making it the more compelling value choice. Analysts rate MetLife, Inc. (MET) a "Buy" — based on 33 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.

02

Which has the better valuation — UNMA or MET?

On trailing P/E, Unum Group 6.

250% JR NT58 (UNMA) is the cheapest at 5. 5x versus MetLife, Inc. at 16. 4x. On forward P/E, Unum Group 6. 250% JR NT58 is actually cheaper at 2. 7x.

03

Which is the better long-term investment — UNMA or MET?

Over the past 5 years, MetLife, Inc.

(MET) delivered a total return of +32. 9%, compared to +17. 7% for Unum Group 6. 250% JR NT58 (UNMA). Over 10 years, the gap is even starker: MET returned +153. 9% versus UNMA's +44. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

04

Which is safer — UNMA or MET?

By beta (market sensitivity over 5 years), Unum Group 6.

250% JR NT58 (UNMA) is the lower-risk stock at 0. 20β versus MetLife, Inc. 's 1. 09β — meaning MET is approximately 452% more volatile than UNMA relative to the S&P 500. On balance sheet safety, Unum Group 6. 250% JR NT58 (UNMA) carries a lower debt/equity ratio of 35% versus 70% for MetLife, Inc. — giving it more financial flexibility in a downturn.

05

Which is growing faster — UNMA or MET?

By revenue growth (latest reported year), MetLife, Inc.

(MET) is pulling ahead at 10. 2% versus 2. 1% for Unum Group 6. 250% JR NT58 (UNMA). On earnings-per-share growth, the picture is similar: MetLife, Inc. grew EPS -19. 2% year-over-year, compared to -54. 8% for Unum Group 6. 250% JR NT58. Over a 3-year CAGR, MET leads at 4. 3% 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.

06

Which has better profit margins — UNMA or MET?

Unum Group 6.

250% JR NT58 (UNMA) is the more profitable company, earning 5. 7% net margin versus 4. 4% for MetLife, Inc. — meaning it keeps 5. 7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: UNMA leads at 7. 2% versus 6. 0% for MET. At the gross margin level — before operating expenses — UNMA leads at 38. 2%, 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.

07

Is UNMA or MET more undervalued right now?

On forward earnings alone, Unum Group 6.

250% JR NT58 (UNMA) trades at 2. 7x forward P/E versus 8. 0x for MetLife, Inc. — 5. 4x cheaper on a one-year earnings basis.

08

Which pays a better dividend — UNMA or MET?

All stocks in this comparison pay dividends.

Unum Group 6. 250% JR NT58 (UNMA) offers the highest yield at 7. 6%, versus 2. 9% for MetLife, Inc. (MET).

09

Is UNMA or MET better for a retirement portfolio?

For long-horizon retirement investors, Unum Group 6.

250% JR NT58 (UNMA) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 20), 7. 6% yield). Both have compounded well over 10 years (UNMA: +44. 0%, MET: +153. 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.

10

What are the main differences between UNMA and MET?

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.

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.

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Stocks Like

UNMA

Income & Dividend Stock

  • Sector: Financial Services
  • Market Cap > $100B
  • Revenue Growth > 5%
  • Net Margin > 5%
Run This Screen
Stocks Like

MET

Income & Dividend Stock

  • Sector: Financial Services
  • Market Cap > $100B
  • Gross Margin > 17%
  • Dividend Yield > 1.1%
Run This Screen
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Beat Both

Find stocks that outperform UNMA and MET on the metrics below

Revenue Growth>
%
(UNMA: 9.0% · MET: 4.4%)
Net Margin>
%
(UNMA: 5.9% · MET: 4.7%)
P/E Ratio<
x
(UNMA: 5.5x · MET: 16.4x)

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