AFL vs UNM Comparison: AI Score, Valuation, Performance and Upside
Compare Aflac and Unum Group by Japan supplemental insurance market, employer-paid benefits revenue, earnings stability, dividend consistency, and valuation.
Use this Aflac vs Unum Group comparison to evaluate the key differences across valuation, growth, profitability, and risk before making an investment decision.
AFL and UNM are closely matched — they split the tracked metrics evenly. AFL has delivered stronger 1-year price return (+20.33% vs +11.71%), though UNM has the better forward P/E setup (9.08x vs 16.50x for AFL). Analyst consensus implies meaningfully more upside for UNM (+16.45%) than for AFL (-6.65%).
| Metric | AFL | UNM |
|---|---|---|
| AI score | 50.0 | 46.7 |
| AI rank | #505 | #672 |
| Latest close | $123.58 | $87.79 |
| 1M return | +6.03% | -3.08% |
| 6M return | +13.84% | +17.71% |
| 1Y return | +20.33% | +11.71% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | AFL | UNM |
|---|---|---|
| 1Y ago | $12.01K (+20.1%) started 2025-07-23 | $11.44K (+14.4%) started 2025-07-22 |
| 5Y ago | $27.49K (+174.9%) started 2021-07-26 | $44.33K (+343.3%) started 2021-07-22 |
| 10Y ago | $52.02K (+420.2%) started 2016-07-25 | $54.99K (+449.9%) started 2016-07-22 |
Hypothetical — past performance does not guarantee future results.
| Metric | AFL | UNM |
|---|---|---|
| Market cap | $63.48B | $14.03B |
| Trailing P/E | 14.24 | 19.13 |
| Forward P/E | 16.50 | 9.08 |
| Price/Sales | N/A | 1.07 |
| EV/Revenue | 3.85 | 1.19 |
| Analyst target | $116.43 | $102.23 |
| Target upside | -6.65% | +16.45% |
| Metric | AFL | UNM |
|---|---|---|
| Revenue growth | 27.90% | 8.50% |
| Earnings growth | 3860.00% | 33.00% |
| EPS growth | +3860.00% | +33.00% |
| FCF margin | +27.18% | -13.62% |
| Operating margin | 29.57% | N/A |
| Profit margin | 25.60% | 5.86% |
| ROIC proxy | 16.47% | 7.07% |
| Return on equity | 16.47% | 7.07% |
| Dividend yield | 1.96% | 2.29% |
| Beta | 0.60 | 0.24 |
| Debt/equity | 48.28 | 36.93 |
| Current ratio | 0.94 | 18.37 |
| Quick ratio | 0.81 | 4.50 |
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | AFL | UNM |
|---|---|---|---|
| 1Y | Growth | +20.11% | +11.71% |
| CAGR | +20.16% | +11.72% | |
| Sharpe ratio | 0.90 | 0.39 | |
| Max drawdown | 9.59% | 15.34% | |
| Max daily drop | 3.37% | 12.18% | |
| Max wkly drop | 5.11% | 13.66% | |
| 5Y | Growth | +151.11% | +274.90% |
| CAGR | +20.26% | +30.26% | |
| Sharpe ratio | 0.78 | 0.89 | |
| Max drawdown | 19.86% | 20.95% | |
| Max daily drop | 9.65% | 13.17% | |
| Max wkly drop | 11.28% | 18.72% | |
| 10Y | Growth | +314.41% | +275.51% |
| CAGR | +15.29% | +14.15% | |
| Sharpe ratio | 0.51 | 0.42 | |
| Max drawdown | 54.89% | 81.06% | |
| Max daily drop | 16.43% | 22.37% | |
| Max wkly drop | 31.59% | 36.97% |
| Category | AFL | UNM |
|---|---|---|
| Company | AFL | UNM |
| Sector | Financial Services | N/A |
| Industry | N/A | N/A |
| Core business | N/A | N/A |
| Investor focus | N/A | N/A |
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