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F&G Annuities & Life, Inc. (FG) vs Unum Group (UNM)

F&G Annuities & Life, Inc. and Unum Group are both Insurance Life companies. Unum Group is the larger, with a market value of $11.7B against $2.8B — 4.1× the size. F&G Annuities & Life, Inc. trades at the lower P/E: 7.2× against 52.2×. F&G Annuities & Life, Inc. grew revenue faster over the last twelve months: 15.0% against −4.22%. F&G Annuities & Life, Inc. has the higher net margin (6.61% vs 1.94%) and the higher return on invested capital (8.88% vs 1.32%). Both pay a dividend; F&G Annuities & Life, Inc. yields more (4.63% vs 2.61%). Across the 21 metrics below, F&G Annuities & Life, Inc. leads on 18 and Unum Group on 3.

Valuation

Metric FG UNM Insurance Life median
P/E 7.21 52.24 11.34
P/S 0.46 0.94 0.81
P/B 0.60 1.09 1.08
Price to free cash flow 0.65 7.21 7.43
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 13.88% 1.91% 8.82%
Free cash flow yield 153.88% 13.88% 13.20%

Profitability

Metric FG UNM Insurance Life median
Gross margin 30.01% 30.80% 30.01%
Operating margin 11.31% 4.11% 8.83%
Net margin 6.61% 1.94% 9.93%
Free cash flow margin 71.29% 12.98% 15.40%
Return on equity 8.67% 2.25% 8.47%
Return on assets 0.41% 0.39% 0.50%
Return on invested capital 8.88% 1.32% 7.11%

Growth

Metric FG UNM Insurance Life median
Revenue growth (TTM) 15.01% (4.22%) 4.80%
EPS growth (last fiscal year) (61.48%) (54.86%) (3.45%)
Revenue growth, 5-year CAGR 32.79% (0.13%) 1.33%
Net income growth, 5-year CAGR 0.00% (1.41%) 0.00%

Health

Metric FG UNM Insurance Life median
Debt to equity 0.48 0.35 0.48
Current ratio 0.30 0.28 0.21
Net debt to EBITDA 0.65 2.87 0.12

Dividend

Metric FG UNM Insurance Life median
Dividend yield 4.63% 2.61% 2.28%
Payout ratio 0.34 1.37 0.28

Size

Metric FG UNM Insurance Life median
Market cap 2.84b 11.71b 7.96b

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