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MetLife, Inc. (MET) vs Unum Group (UNM)

MetLife, Inc. and Unum Group are both Insurance Life companies. MetLife, Inc. is the larger, with a market value of $63.7B against $14.6B — 4.4× the size. MetLife, Inc. trades at the lower P/E: 19.3× against 21.5×. MetLife, Inc. grew revenue faster over the last twelve months: 8.75% against 3.42%. Unum Group has the higher net margin (5.26% vs 4.33%) and the lower return on invested capital (3.94% vs 10.7%). Both pay a dividend; MetLife, Inc. yields more (2.30% vs 2.04%). Across the 21 metrics below, MetLife, Inc. leads on 13 and Unum Group on 8.

Valuation

Metric MET UNM Insurance Life median
P/E 19.32 21.50 12.80
P/S 0.82 1.10 0.76
P/B 2.34 1.36 1.09
Price to free cash flow 4.17 21.25 7.67
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.17% 4.65% 7.81%
Free cash flow yield 24.00% 4.71% 11.89%

Profitability

Metric MET UNM Insurance Life median
Gross margin 24.66% 33.34% 32.44%
Operating margin 6.13% 8.36% 11.31%
Net margin 4.33% 5.26% 6.61%
Free cash flow margin 19.59% 5.19% 15.04%
Return on equity 12.36% 6.35% 8.67%
Return on assets 0.47% 1.11% 0.67%
Return on invested capital 10.65% 3.94% 8.20%

Growth

Metric MET UNM Insurance Life median
Revenue growth (TTM) 8.75% 3.42% 7.91%
EPS growth (last fiscal year) (20.71%) (54.86%) (20.59%)
Revenue growth, 5-year CAGR 2.59% (0.13%) 1.08%
Net income growth, 5-year CAGR (9.38%) (1.41%) 0.00%

Health

Metric MET UNM Insurance Life median
Debt to equity 0.73 0.35 0.48
Current ratio 0.15 0.28 0.21
Net debt to EBITDA (0.76) 2.87 0.12

Dividend

Metric MET UNM Insurance Life median
Dividend yield 2.30% 2.04% 2.17%
Payout ratio 0.44 0.44 0.26

Size

Metric MET UNM Insurance Life median
Market cap 63.72b 14.63b 7.66b

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