Unum vs Franklin Templeton

Unum and Franklin Templeton are presented for comparison on this page. This page compares business models, financial performance, and market context to help readers understand how the two organisations operate in this sector. The content maintains a neutral, accessible tone, avoiding unsupported claims and speculation. Educational content, not financial advice.

About The Companies

Unum (UNM)

Unum Group (UNM) is a US-focused provider of employee benefits and individual disability and life insurance. The company’s revenue mix leans on recurring group-premium contracts sold to employers and organisations, giving it relatively predictable cash flows but exposing it to collective claim trends. Investors often watch Unum for its underwriting performance, claims management, and investment income, since insurers rely on bond portfolios and interest rates to support profits. Key considerations include sensitivity to economic cycles, potential for elevated claims or reserve adjustments, and regulatory oversight affecting pricing and capital. With a market capitalisation near $13.0bn, Unum is a mid-cap insurer that may appeal to investors seeking exposure to the employee-benefits niche, but it carries sector-specific risks and earnings can be cyclical. This summary is educational only and not personalised investment advice; values can rise and fall and past performance is not a guide to future returns.

Franklin Templeton (BEN)

Franklin Resources Inc. (ticker: BEN) is a US-based global investment manager operating under the Franklin Templeton brand. The firm offers mutual funds, exchange-traded funds, institutional strategies and wealth management services across equities, fixed income and multi‑asset solutions. Revenue is largely fee‑based and linked to assets under management (AUM), so the business is sensitive to market performance, client net flows and product mix. Franklin has expanded scale and capabilities through acquisitions and a broad international footprint, but faces structural pressures such as fee compression from passive investing, competition and regulatory oversight. For investors, key things to watch are AUM trends, net inflows or outflows, expense control and the health of markets that drive performance fees. Past performance is not a reliable guide to future returns; investments can fall as well as rise. This summary is general educational information and not personalised investment advice—suitability depends on individual circumstances and objectives.

Comparison Snapshot

Key Financial Metrics

UNM

Metric

BEN

$12.90B

Market Cap

$12.23B

18.60%

Potential Profit

4.77%

Buy

Analyst Rating

Hold

Which Baskets Do They Appear In?

Navigating Retirement State By State

A carefully curated collection of companies helping Americans prepare for retirement in different regions. With retirement costs varying dramatically by state and Social Security uncertainties growing, these financial providers offer solutions for creating personalized, location-specific retirement plans.

Published: July 1, 2025

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Which Baskets Do They Appear In?

Navigating Retirement State By State

Published: July 1, 2025

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Investment Analysis

Unum

UNM

Pros

Unum Group operates across diverse geographies including the US, UK, and Poland, providing financial protection benefit solutions which expands its market reach.
It has a relatively low price-to-earnings ratio under 10, indicating potential valuation appeal compared to peers.
Recent revenue growth has been modest but positive, with a 4.6% year-on-year increase that beat analyst estimates this quarter.

Considerations

Unum's net premiums earned growth, a key measure of core business health, has been sluggish at around 2.9% annually over five years.
The company shows weak sales growth and low returns on capital, reflecting struggles in generating demand and profitability.
Its business is heavily reliant on net premiums, with over 80% of revenue from this segment, leaving limited diversification in income sources.

Franklin Templeton

BEN

Pros

Franklin Resources has an extensive and diversified portfolio, managing over 2.9 thousand holdings with total assets under management exceeding $2 trillion.
Top holdings include major technology companies such as Microsoft, Nvidia, and Apple, reflecting strategic investment in strong growth sectors.
The company benefits from its long-established global presence and reputation in asset management, with over seven decades of experience.

Considerations

Franklin Resources’ diversification across many holdings can dilute focus and increase complexity in managing risks effectively.
Exposure to cyclical sectors like personal services and industry segments such as stone and textile products may introduce economic sensitivity.
Recent publicly available data lacks specific detail on short-term growth catalysts or financial performance, limiting insight into momentum.

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About The Companies

Comparison Snapshot

Which Baskets Do They Appear In?

Navigating Retirement State By State

Which Baskets Do They Appear In?

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Investment Analysis

Unum

Pros

Considerations

Franklin Templeton

Pros

Considerations

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Trusted & Regulated

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Frequently asked questions

What are the main business models of Unum and Franklin Resources, and how do they differ in focus?

What does a low price-to-earnings (P/E) ratio suggest in this comparison?

Why is revenue growth stability important to evaluate alongside profitability?

What does assets under management (AUM) tell us about Franklin Resources?

How should diversification impact risk assessment for each company?

What does the presence of top technology holdings imply for Franklin Resources’ exposure?

How might geographic and sector exposure influence performance?

What external factors should readers consider when comparing these stocks?

How can a reader use this page to compare business models and performance?

What should readers note about interpreting recent performance signals?

Is this page providing investment advice, and how should readers proceed?

About The Companies

Comparison Snapshot