Insurance - Diversified
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UNMA vs MET
Revenue, margins, valuation, and 5-year total return — side by side.
Insurance - Life
UNMA vs MET — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ||
|---|---|---|
| Industry | Insurance - Diversified | Insurance - Life |
| Market Cap | $5.30B | $51.39B |
| Revenue (TTM) | $13.30B | $76.94B |
| Net Income (TTM) | $781M | $3.62B |
| Gross Margin | 33.9% | 28.4% |
| Operating Margin | 7.5% | 6.3% |
| Forward P/E | 2.7x | 8.0x |
| Total Debt | $3.90B | $20.18B |
| Cash & Equiv. | $158M | $22.03B |
UNMA vs MET — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Unum Group 6.250% J… (UNMA) | 100 | 97.0 | -3.0% |
| MetLife, Inc. (MET) | 100 | 218.9 | +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.
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%
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%
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 10.2% revenue growth vs UNMA's 2.1% | |
| Value | Lower P/E (2.7x vs 8.0x) | |
| Quality / Margins | Combined ratio 0.9 vs MET's 0.9 (lower = better underwriting) | |
| Stability / Safety | Beta 0.20 vs MET's 1.09, lower leverage | |
| Dividends | 7.6% yield, 20-year raise streak, vs MET's 2.9% | |
| Momentum (1Y) | +4.9% vs UNMA's +2.8% | |
| Efficiency (ROA) | 1.6% 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
UNMA vs MET — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
Income & Cash Flow (Last 12 Months)
UNMA leads this category, winning 4 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
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.
| Metric | ||
|---|---|---|
| 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% |
Valuation Metrics
UNMA leads this category, winning 5 of 6 comparable metrics.
Valuation 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.
| Metric | ||
|---|---|---|
| Market CapShares × price | $5.3B | $51.4B |
| Enterprise ValueMkt cap + debt − cash | $9.0B | $49.5B |
| Trailing P/EPrice ÷ TTM EPS | 5.48x | 16.42x |
| Forward P/EPrice ÷ next-FY EPS est. | 2.68x | 8.05x |
| PEG RatioP/E ÷ EPS growth rate | 2.84x | — |
| EV / EBITDAEnterprise value multiple | 8.56x | 8.66x |
| Price / SalesMarket cap ÷ Revenue | 0.41x | 0.67x |
| Price / BookPrice ÷ Book value/share | 0.36x | 1.81x |
| Price / FCFMarket cap ÷ FCF | 9.55x | 2.84x |
Profitability & Efficiency
MET leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
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.
| Metric | ||
|---|---|---|
| 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 0–9 | 5 | 8 |
| Debt / EquityFinancial leverage | 0.35x | 0.70x |
| 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 expense | 5.48x | 5.51x |
Total Returns (Dividends Reinvested)
MET leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
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.
| Metric | ||
|---|---|---|
| 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% |
Risk & Volatility
UNMA leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
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.
| Metric | ||
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.20x | 1.09x |
| 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 0–100 | 50.4 | 67.1 |
| Avg Volume (50D)Average daily shares traded | 21K | 3.5M |
Analyst Outlook
UNMA leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
For income investors, UNMA offers the higher dividend yield at 7.55% vs MET's 2.88%.
| Metric | ||
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $96.50 |
| # AnalystsCovering analysts | — | 33 |
| Dividend YieldAnnual dividend ÷ price | +7.6% | +2.9% |
| Dividend StreakConsecutive years of raises | 20 | 13 |
| Dividend / ShareAnnual DPS | $1.77 | $2.27 |
| Buyback YieldShare repurchases ÷ mkt cap | +19.1% | +7.6% |
UNMA leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). MET leads in 2 (Profitability & Efficiency, Total Returns).
UNMA vs MET: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is 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.
02Which 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.
03Which 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.
04Which 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.
05Which 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.
06Which 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.
07Is 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.
08Which 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).
09Is 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.
10What 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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