CNO Financial Group Inc (CNO)vsUnum Group (UNM)
CNO
CNO Financial Group Inc
$47.91
+1.68%
FINANCIAL SERVICES · Cap: $4.70B
UNM
Unum Group
$86.84
+2.27%
FINANCIAL SERVICES · Cap: $14.82B
Smart Verdict
WallStSmart Research — data-driven comparison
Unum Group generates 196% more annual revenue ($13.34B vs $4.51B). UNM leads profitability with a 5.9% profit margin vs 5.4%. UNM appears more attractively valued with a PEG of 1.03. UNM earns a higher WallStSmart Score of 67/100 (B-).
CNO
Buy62
out of 100
Grade: C+
UNM
Strong Buy67
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 85.7% YoY
Reasonable price relative to book value
Reasonable price relative to book value
Earnings expanding 33.0% YoY
Areas to Watch
2.5% revenue growth
5.4% margin — thin
Elevated debt levels
ROE of 7.2% — below average capital efficiency
5.9% margin — thin
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : CNO
The strongest argument for CNO centers on EPS Growth, Price/Book. PEG of 1.29 suggests the stock is reasonably priced for its growth.
Bull Case : UNM
The strongest argument for UNM centers on Price/Book, EPS Growth. PEG of 1.03 suggests the stock is reasonably priced for its growth.
Bear Case : CNO
The primary concerns for CNO are Revenue Growth, Profit Margin, Debt/Equity. Debt-to-equity of 1.72 is elevated, increasing financial risk.
Bear Case : UNM
The primary concerns for UNM are Return on Equity, Profit Margin, Piotroski F-Score.
Key Dynamics to Monitor
CNO carries more volatility with a beta of 0.84 — expect wider price swings.
UNM is growing revenue faster at 8.5% — sustainability is the question.
UNM generates stronger free cash flow (301M), providing more financial flexibility.
Monitor INSURANCE - LIFE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
UNM scores higher overall (67/100 vs 62/100). Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
CNO Financial Group Inc
FINANCIAL SERVICES · INSURANCE - LIFE · USA
CNO Financial Group, Inc. develops, markets, and manages health insurance, annuities, individual life insurance, and other insurance products for the middle-income and senior markets in the United States. The company is headquartered in Carmel, Indiana.
Visit Website →Unum Group
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Unum Group is a Chattanooga, Tennessee-based Fortune 500 insurance company formerly known as UnumProvident.
Visit Website →Compare with Other INSURANCE - LIFE Stocks
Want to dig deeper into these stocks?