MetLife Inc (MET)vsUnum Group (UNM)
MET
MetLife Inc
$70.39
+0.72%
FINANCIAL SERVICES · Cap: $46.05B
UNM
Unum Group
$74.50
+0.89%
FINANCIAL SERVICES · Cap: $12.47B
Smart Verdict
WallStSmart Research — data-driven comparison
MetLife Inc generates 489% more annual revenue ($77.08B vs $13.08B). UNM leads profitability with a 5.7% profit margin vs 4.4%. MET appears more attractively valued with a PEG of 0.60. MET earns a higher WallStSmart Score of 63/100 (C+).
MET
Buy63
out of 100
Grade: C+
UNM
Buy56
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-146.3%
Fair Value
$32.03
Current Price
$70.39
$38.36 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
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 27.6% year-over-year
Generating 8.1B in free cash flow
Reasonable price relative to book value
Attractively priced relative to earnings
Areas to Watch
4.4% margin — thin
Operating margin of 4.7%
Earnings declined 34.2%
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 : MET
The strongest argument for MET centers on PEG Ratio, P/E Ratio, Price/Book. Revenue growth of 27.6% demonstrates continued momentum. PEG of 0.60 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 : MET
The primary concerns for MET are Profit Margin, Operating Margin, EPS Growth. Thin 4.4% 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
MET profiles as a growth stock while UNM is a value play — different risk/reward profiles.
MET carries more volatility with a beta of 0.74 — expect wider price swings.
MET is growing revenue faster at 27.6% — sustainability is the question.
MET generates stronger free cash flow (8.1B), providing more financial flexibility.
Bottom Line
MET scores higher overall (63/100 vs 56/100) and 27.6% revenue growth. 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.
MetLife Inc
FINANCIAL SERVICES · INSURANCE - LIFE · USA
MetLife, Inc. is the holding corporation for the Metropolitan Life Insurance Company (MLIC), better known as MetLife, and its affiliates. MetLife is among the largest global providers of insurance, annuities, and employee benefit programs, with 90 million customers in over 60 countries.
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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