UnumFranklin Templeton

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 organisation...

Investment Analysis

Unum

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

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.

Related Market Insights

The Retirement Reality Check: Why Location Could Make or Break Your Golden Years

US retirement costs vary 75% by state. Discover how location impacts your golden years & invest in financial services companies offering solutions.

Author avatar

Aimee Silverwood | Financial Analyst

July 25, 2025

Read Insight

Which Baskets Do They Appear In?

Navigating Retirement State By State

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

Explore Basket

Buy UNM or BEN in Nemo

Nemo Logo Fade
🆓

Zero Commission

Trade stocks, ETFs, and more with zero commission. Keep more of your returns.

🔒

Trusted & Regulated

Part of Exinity Group 2015, serving over a million customers globally.

💰

6% Interest on Cash

Earn 6% AER on uninvested cash with daily interest payments.

Discover More Comparisons

UnumRenaissanceRe

Unum vs RenaissanceRe

A neutral Unum vs RenaissanceRe comparison of business models, financial performance and market context, outlining risk, capital allocation and growth opportunities.

UnumRGA

Unum vs RGA

A neutral comparison of Unum Group and Reinsurance Group of America, covering business models, financials and market context for further research.

UnumAlly

Unum vs Ally

neutral comparison of Unum Group and Ally Financial Inc., outlining business models, recent results, and market context to help readers research the two stocks

Frequently asked questions