Atlantic American Corporation (AAME)vsUnum Group (UNM)
AAME
Atlantic American Corporation
$2.52
+5.00%
FINANCIAL SERVICES · Cap: $61.60M
UNM
Unum Group
$74.50
+0.89%
FINANCIAL SERVICES · Cap: $12.47B
Smart Verdict
WallStSmart Research — data-driven comparison
Unum Group generates 6471% more annual revenue ($13.08B vs $198.98M). UNM leads profitability with a 5.7% profit margin vs 1.3%. UNM appears more attractively valued with a PEG of 1.03. UNM earns a higher WallStSmart Score of 56/100 (C).
AAME
Hold44
out of 100
Grade: D
UNM
Buy56
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-277.9%
Fair Value
$0.68
Current Price
$2.52
$1.84 premium
Margin of Safety
-145.9%
Fair Value
$29.04
Current Price
$74.50
$45.46 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
16.0% revenue growth
Reasonable price relative to book value
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
Smaller company, higher risk/reward
ROE of 2.5% — below average capital efficiency
0.2% revenue growth
ROE of 6.7% — below average capital efficiency
5.7% margin — thin
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : AAME
The strongest argument for AAME centers on Price/Book, Revenue Growth. Revenue growth of 16.0% demonstrates continued momentum.
Bull Case : UNM
The strongest argument for UNM centers on Price/Book, P/E Ratio. PEG of 1.03 suggests the stock is reasonably priced for its growth.
Bear Case : AAME
The primary concerns for AAME are PEG Ratio, P/E Ratio, Market Cap. Thin 1.3% margins leave little buffer for downturns.
Bear Case : UNM
The primary concerns for UNM are Revenue Growth, Return on Equity, Profit Margin.
Key Dynamics to Monitor
AAME profiles as a growth stock while UNM is a value play — different risk/reward profiles.
AAME carries more volatility with a beta of 0.77 — expect wider price swings.
AAME is growing revenue faster at 16.0% — sustainability is the question.
UNM generates stronger free cash flow (320M), providing more financial flexibility.
Bottom Line
UNM scores higher overall (56/100 vs 44/100). Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Atlantic American Corporation
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Atlantic American Corporation provides life and health insurance and property and casualty products in the United States. The company is headquartered in Atlanta, Georgia.
Unum Group
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Unum Group is a Chattanooga, Tennessee-based Fortune 500 insurance company formerly known as UnumProvident.
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