WallStSmart

Primerica Inc (PRI)vsUnum Group (UNM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Unum Group generates 283% more annual revenue ($13.35B vs $3.49B). PRI leads profitability with a 22.8% profit margin vs 5.3%. UNM appears more attractively valued with a PEG of 1.03. PRI earns a higher WallStSmart Score of 73/100 (B).

PRI

Strong Buy

73

out of 100

Grade: B

Growth: 6.7Profit: 8.5Value: 7.0Quality: 7.5
Piotroski: 5/9Altman Z: 1.11

UNM

Buy

55

out of 100

Grade: C

Growth: 3.3Profit: 4.5Value: 5.7Quality: 6.8
Piotroski: 3/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PRI5 strengths · Avg: 9.6/10
P/E RatioValuation
11.7x10/10

Attractively priced relative to earnings

Return on EquityProfitability
30.6%10/10

Every $100 of equity generates 31 in profit

Operating MarginProfitability
31.5%10/10

Strong operational efficiency at 31.5%

Profit MarginProfitability
22.8%9/10

Keeps 23 of every $100 in revenue as profit

Debt/EquityHealth
0.259/10

Conservative balance sheet, low leverage

UNM1 strengths · Avg: 10.0/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Areas to Watch

PRI1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
1.112/10

Distress zone — elevated risk

UNM4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
0.3%4/10

0.3% revenue growth

Return on EquityProfitability
6.5%3/10

ROE of 6.5% — below average capital efficiency

Profit MarginProfitability
5.3%3/10

5.3% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : PRI

The strongest argument for PRI centers on P/E Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 22.8% and operating margin at 31.5%. PEG of 1.07 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 : PRI

The primary concerns for PRI are Altman Z-Score.

Bear Case : UNM

The primary concerns for UNM are Revenue Growth, Return on Equity, Profit Margin.

Key Dynamics to Monitor

PRI profiles as a mature stock while UNM is a value play — different risk/reward profiles.

PRI carries more volatility with a beta of 0.85 — expect wider price swings.

PRI is growing revenue faster at 8.7% — sustainability is the question.

UNM generates stronger free cash flow (474M), providing more financial flexibility.

Bottom Line

PRI scores higher overall (73/100 vs 55/100), backed by strong 22.8% margins. 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.

Primerica Inc

FINANCIAL SERVICES · INSURANCE - LIFE · USA

Primerica, Inc., offers financial products to middle-income households in the United States and Canada. The company is headquartered in Duluth, Georgia.

Unum Group

FINANCIAL SERVICES · INSURANCE - LIFE · USA

Unum Group is a Chattanooga, Tennessee-based Fortune 500 insurance company formerly known as UnumProvident.

Visit Website →

Want to dig deeper into these stocks?