Jackson Financial Inc (JXN)vsUnum Group (UNM)
JXN
Jackson Financial Inc
$138.12
-0.17%
FINANCIAL SERVICES · Cap: $9.25B
UNM
Unum Group
$94.42
+0.12%
FINANCIAL SERVICES · Cap: $14.73B
Smart Verdict
WallStSmart Research — data-driven comparison
Unum Group generates 104% more annual revenue ($13.35B vs $6.55B). UNM leads profitability with a 5.3% profit margin vs 1.6%. UNM trades at a lower P/E of 21.6x. UNM earns a higher WallStSmart Score of 55/100 (C).
JXN
Hold46
out of 100
Grade: D+
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 291.6% YoY
Conservative balance sheet, low leverage
Generating 1.8B in free cash flow
Reasonable price relative to book value
Areas to Watch
1.6% margin — thin
Premium valuation, high expectations priced in
ROE of -3.9% — below average capital efficiency
Revenue declined 22.6%
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 : JXN
The strongest argument for JXN centers on Price/Book, EPS Growth, Debt/Equity.
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 : JXN
The primary concerns for JXN are Profit Margin, P/E Ratio, Return on Equity. A P/E of 148.5x leaves little room for execution misses. Thin 1.6% 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
JXN carries more volatility with a beta of 1.32 — expect wider price swings.
UNM is growing revenue faster at 0.3% — sustainability is the question.
JXN generates stronger free cash flow (1.8B), providing more financial flexibility.
Monitor INSURANCE - LIFE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
UNM scores higher overall (55/100 vs 46/100). 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.
Jackson Financial Inc
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Jackson Financial Inc. is a prominent player in the U.S. life insurance and asset management sectors, renowned for its innovative retirement solutions that aim to bolster financial security for individuals and families. The company offers a diverse portfolio of fixed and variable annuities along with life insurance products, skillfully meeting the evolving needs of retirees and investors in a complex financial landscape. By harnessing cutting-edge technology and a robust distribution network, Jackson Financial is well-equipped to capitalize on demographic trends and the rising demand for efficient retirement planning, positioning itself for sustained growth and a competitive advantage in the industry.
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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