Primerica Inc (PRI)vsUnum Group (UNM)
PRI
Primerica Inc
$265.84
+3.09%
FINANCIAL SERVICES · Cap: $8.79B
UNM
Unum Group
$86.84
+2.27%
FINANCIAL SERVICES · Cap: $14.82B
Smart Verdict
WallStSmart Research — data-driven comparison
Unum Group generates 290% more annual revenue ($13.34B vs $3.42B). PRI leads profitability with a 22.6% profit margin vs 5.9%. UNM appears more attractively valued with a PEG of 1.03. PRI earns a higher WallStSmart Score of 73/100 (B).
PRI
Strong Buy73
out of 100
Grade: B
UNM
Strong Buy67
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 31 in profit
Strong operational efficiency at 30.3%
Keeps 23 of every $100 in revenue as profit
Reasonable price relative to book value
Earnings expanding 33.0% YoY
Areas to Watch
Distress zone — elevated risk
ROE of 7.2% — below average capital efficiency
5.9% margin — thin
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : PRI
The strongest argument for PRI centers on P/E Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 22.6% and operating margin at 30.3%. 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, EPS Growth. 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 Return on Equity, Profit Margin, Piotroski F-Score.
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 0.89 — expect wider price swings.
UNM is growing revenue faster at 8.5% — sustainability is the question.
UNM generates stronger free cash flow (301M), providing more financial flexibility.
Bottom Line
PRI scores higher overall (73/100 vs 67/100), backed by strong 22.6% margins. Both earn "Strong Buy" and "Strong 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.
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