CNO Financial Group Inc (CNO)vsUnum Group (UNM)
CNO
CNO Financial Group Inc
$54.94
-0.16%
FINANCIAL SERVICES · Cap: $5.07B
UNM
Unum Group
$94.42
+0.12%
FINANCIAL SERVICES · Cap: $14.73B
Smart Verdict
WallStSmart Research — data-driven comparison
Unum Group generates 187% more annual revenue ($13.35B vs $4.65B). CNO leads profitability with a 6.0% profit margin vs 5.3%. UNM appears more attractively valued with a PEG of 1.03. CNO earns a higher WallStSmart Score of 72/100 (B).
CNO
Strong Buy72
out of 100
Grade: B
UNM
Buy55
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Earnings expanding 46.2% YoY
Reasonable price relative to book value
Areas to Watch
6.0% margin — thin
Elevated debt levels
Distress zone — elevated risk
0.3% revenue growth
ROE of 6.5% — below average capital efficiency
5.3% margin — thin
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : CNO
The strongest argument for CNO centers on Price/Book, EPS Growth. Revenue growth of 11.6% demonstrates continued momentum. 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. PEG of 1.03 suggests the stock is reasonably priced for its growth.
Bear Case : CNO
The primary concerns for CNO are Profit Margin, Debt/Equity, Altman Z-Score. Debt-to-equity of 1.76 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 0.81 — expect wider price swings.
CNO is growing revenue faster at 11.6% — sustainability is the question.
UNM generates stronger free cash flow (474M), providing more financial flexibility.
Monitor INSURANCE - LIFE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
CNO scores higher overall (72/100 vs 55/100) and 11.6% revenue growth. 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
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