Unum vs Stifel
This page compares Unum and Stifel, outlining their business models, financial performance, and market context in a clear, neutral way. The aim is to help readers understand how each firm operates and their position within the sector, without offering advice. Educational content, not financial advice.
This page compares Unum and Stifel, outlining their business models, financial performance, and market context in a clear, neutral way. The aim is to help readers understand how each firm operates and...
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
Explore BasketWhich 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
Explore BasketInvestment Analysis
Unum
UNM
Pros
- Unum Group has a diversified product portfolio spanning disability, life, accident, supplemental and voluntary benefits across multiple regions including the US, UK, and Poland.
- The company reported strong net income of $1.52 billion trailing twelve months with a solid earnings per share of 8.42 and maintains a dividend yield of 2.32%.
- UNM trades at a relatively low forward PE ratio of 8.88 with analyst consensus showing moderate buy ratings and an average price target suggesting potential upside around 22-23%.
Considerations
- Despite recent gains, Unum’s stock price has shown some downward pressure over the last month and year-ahead macroeconomic models forecast a potential price decline.
- The group operates in the insurance and financial protection sector which is exposed to regulatory risks and macroeconomic sensitivity, including interest rate changes impacting investment income.
- Unum’s beta of 0.36 indicates limited volatility but also may suggest limited upside in a strong market rally compared to more growth-oriented peers.
Stifel
SF
Pros
- Stifel Financial Corp manages a large and diverse portfolio with assets under management exceeding $400 billion, including top holdings in major technology and financial companies.
- The firm’s broad portfolio diversification across 3,446 positions reduces single-stock and sector risk for its investment management operations.
- Stifel’s institutional presence and scale provide competitive advantages in client acquisition and retention in the wealth management and advisory space.
Considerations
- Stifel’s performance and revenue are highly exposed to equity and fixed income market cycles, which can impact assets under management and fee income.
- Its heavy exposure to large-cap growth stocks like Microsoft, Apple, and Nvidia could increase vulnerability to technology sector volatility.
- The company's large and complex portfolio creates operational risks and execution challenges associated with managing diverse asset classes and regulatory compliance.
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