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Brighthouse Financial, Inc. (BHF) vs Unum Group (UNM)

Brighthouse Financial, Inc. and Unum Group are both Insurance Life companies. Unum Group is the larger, with a market value of $11.7B against $2.4B — 5.0× the size. Brighthouse Financial, Inc. trades at the lower P/E: 4.2× against 52.2×. Unum Group grew revenue faster over the last twelve months: −4.22% against −9.41%. Brighthouse Financial, Inc. has the higher net margin (10.2% vs 1.94%) and the lower return on invested capital (0.00% vs 1.32%). Across the 19 metrics below, Brighthouse Financial, Inc. leads on 11 and Unum Group on 8.

Valuation

Metric BHF UNM Insurance Life median
P/E 4.17 52.24 11.34
P/S 0.42 0.94 0.81
P/B 0.47 1.09 1.08
Price to free cash flow n/m 7.21 7.43
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 24.00% 1.91% 8.82%
Free cash flow yield (47.85%) 13.88% 13.20%

Profitability

Metric BHF UNM Insurance Life median
Gross margin 0.00% 30.80% 30.01%
Operating margin 13.95% 4.11% 8.83%
Net margin 10.16% 1.94% 9.93%
Free cash flow margin (19.87%) 12.98% 15.40%
Return on equity 10.05% 2.25% 8.47%
Return on assets 0.24% 0.39% 0.50%
Return on invested capital 0.00% 1.32% 7.11%

Growth

Metric BHF UNM Insurance Life median
Revenue growth (TTM) (9.41%) (4.22%) 4.80%
EPS growth (last fiscal year) 23.06% (54.86%) (3.45%)
Revenue growth, 5-year CAGR (4.47%) (0.13%) 1.33%
Net income growth, 5-year CAGR 0.00% (1.41%) 0.00%

Health

Metric BHF UNM Insurance Life median
Debt to equity 0.62 0.35 0.48
Current ratio 0.94 0.28 0.21
Net debt to EBITDA (14.49) 2.87 0.12

Dividend

Metric BHF UNM Insurance Life median
Dividend yield — 2.61% 2.28%
Payout ratio — 1.37 0.28

Size

Metric BHF UNM Insurance Life median
Market cap 2.36b 11.71b 7.96b

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