Unum vs CNA

This page compares Unum Group and CNA Financial Corporation, examining how their business models fit market needs, how their financial performance is expressed, and the broader context of their operations. It presents a neutral, accessible overview of strategy, risk, product mix, and customer reach. 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.

CNA (CNA)

CNA Financial Corporation (CNA) is a US-based commercial property and casualty insurer offering a range of liability, property, and specialty products to businesses and organisations. With a market capitalisation of about $12.37 billion, CNA earns through underwriting premiums and investment income from its portfolio. Key things investors should know include sensitivity to underwriting cycles, claims severity (including catastrophe events), and regulatory capital requirements that can affect returns and dividend capacity. Management focus on underwriting discipline, pricing, reinsurance and expense control can influence profitability, while interest rates and market returns shape investment income. Like all insurance stocks, CNA’s performance can be cyclical and influenced by broader economic trends and natural disaster frequency. This summary is educational and not investment advice; values can rise and fall, and past results do not guarantee future performance. Consider your objectives and risk tolerance and consult a financial professional before making decisions.

Comparison Snapshot

Key Financial Metrics

UNM

Metric

CNA

$12.90B

Market Cap

$12.60B

18.60%

Potential Profit

-23.23%

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 maintains a strong market position in financial protection benefits with a diversified product portfolio across the US, UK, and Poland.
The company demonstrates solid profitability, with a trailing twelve-month net income of $1.52 billion and a low price-to-earnings ratio compared to industry peers.
Unum offers a stable dividend yield above 2%, supported by consistent cash flows from its core insurance operations.

Considerations

Unum's growth is constrained by a mature market for group insurance products, limiting expansion opportunities in its primary segments.
The company faces ongoing exposure to regulatory changes and healthcare cost inflation, which can pressure margins and profitability.
Unum's stock performance is sensitive to macroeconomic factors, including interest rate fluctuations and economic downturns affecting employment and benefit demand.

CNA

Pros

CNA Financial Corporation holds a significant market presence in commercial property and casualty insurance, benefiting from a broad client base and diversified risk portfolio.
The company maintains a robust balance sheet with strong liquidity and capital adequacy ratios, supporting resilience in volatile markets.
CNA has demonstrated consistent underwriting discipline, contributing to stable profitability and effective risk management in recent years.

Considerations

CNA's earnings are exposed to cyclical trends in the commercial insurance sector, including pricing pressures and increased competition.
The company faces potential volatility from large-scale natural catastrophes and adverse claims experience, which can impact annual results.
CNA's growth prospects are limited by regulatory scrutiny and evolving compliance requirements in the insurance industry.

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Investment Analysis

Unum

Pros

Considerations

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Pros

Considerations

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Frequently asked questions

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Comparison Snapshot

Unum vs CNA

About The Companies

Comparison Snapshot

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Investment Analysis

Unum

Pros

Considerations

CNA

Pros

Considerations

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Frequently asked questions

What does this page compare between Unum Group and CNA Financial Corporation?

What does ‘diversified product portfolio’ mean in the context of Unum Group?

Why are regulatory changes and healthcare costs mentioned as risks for Unum Group?

How should one read the ‘trailing twelve-month net income’ figure for Unum Group?

What does a ‘low price-to-earnings ratio’ imply when comparing these stocks?

Why is dividend yield mentioned in the Unum Group context?

What does underwriting discipline tell us about CNA Financial Corporation?

How do cyclical trends in the commercial insurance sector affect both stocks?

How should an beginner approach reading this stock comparison page?

What is the educational disclaimer included in this comparison?

About The Companies

Comparison Snapshot