CNO Financial Group Inc (CNO)vsUnum Group (UNM)
CNO
CNO Financial Group Inc
$40.61
-0.05%
FINANCIAL SERVICES · Cap: $3.87B
UNM
Unum Group
$74.50
+0.89%
FINANCIAL SERVICES · Cap: $12.47B
Smart Verdict
WallStSmart Research — data-driven comparison
Unum Group generates 191% more annual revenue ($13.08B vs $4.49B). UNM leads profitability with a 5.7% profit margin vs 5.1%. UNM appears more attractively valued with a PEG of 1.03. UNM earns a higher WallStSmart Score of 56/100 (C).
CNO
Buy56
out of 100
Grade: C
UNM
Buy56
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-175.4%
Fair Value
$15.64
Current Price
$40.61
$24.97 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
Attractively priced relative to earnings
Reasonable price relative to book value
Attractively priced relative to earnings
Areas to Watch
4.2% revenue growth
5.1% margin — thin
Elevated debt levels
Earnings declined 45.2%
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 : CNO
The strongest argument for CNO centers on Price/Book, P/E Ratio. 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, P/E Ratio. 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 1.54 is elevated, increasing financial risk.
Bear Case : UNM
The primary concerns for UNM are Revenue Growth, Return on Equity, Profit Margin.
Key Dynamics to Monitor
CNO carries more volatility with a beta of 0.85 — expect wider price swings.
CNO is growing revenue faster at 4.2% — sustainability is the question.
UNM generates stronger free cash flow (320M), providing more financial flexibility.
Monitor INSURANCE - LIFE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
CNO scores higher overall (56/100 vs 56/100). Both earn "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
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