CNO Financial vs Unum
CNO and UNM side by side, both in accident and health insurance and medical. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CNO and UNM compare
Unum is the larger company, worth 2.7 times as much as CNO Financial ($14.4B against $5.3B).
On earnings, CNO Financial is cheaper: it trades at 19.8× trailing earnings, against 21.2× for Unum.
CNO Financial grew revenue faster over the last twelve months (6.0% versus 3.4% for Unum).
CNO Financial keeps more of each dollar of sales as profit, with a net margin of 6.0% compared with 5.3% at Unum.
Both pay dividends: CNO Financial yields 1.2% and Unum 1.6%.
Unum scores higher on the StockData Score (11 against 5 for CNO Financial), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CNO | UNM |
|---|---|---|
| Size and price | ||
| Market cap | $5.3B | $14.4B |
| Share price | $57.67 | $91.14 |
| Change, 1 year | 44.6% | 21.7% |
| Change, 5 years | 127% | 246% |
| Beta (5Y) | 0.87 | 0.58 |
| Employees | 3,300 | 11K |
| StockData Score | ||
| Total score | 5 | 11 (better) |
| Valuation score | 1 | 2 (better) |
| Growth score | 0 | 1 (better) |
| Performance score | 1 | 2 (better) |
| Health score | 0 | 2 (better) |
| Dividend score | 3 | 4 (better) |
| Valuation | ||
| P/E | 19.8× (better) | 21.2× |
| P/S | 1.1× | 1.1× (better) |
| P/B | 2.1× | 1.3× (better) |
| EV/EBITDA | 4.3× (better) | 17.1× |
| P/FCF | – | 20.8× |
| FCF yield | – | 4.8% |
| Fair value | $47.10 | $84.69 |
| Margin of safety | −22.4% | −7.6% (better) |
| Growth | ||
| Revenue growth (TTM) | 6.0% (better) | 3.4% |
| Revenue growth, 5Y average | 3.3% (better) | −0.13% |
| Net income growth (TTM) | −8.5% (better) | −53.7% |
| EPS growth (TTM) | −1.4% (better) | −48.7% |
| EPS growth, 5Y average | 1.7% | 1.9% (better) |
| Profitability | ||
| Operating margin | 13.3% | – |
| Net margin | 6.0% (better) | 5.3% |
| FCF margin | – | 5.2% |
| Return on equity | 10.9% (better) | 6.4% |
| Return on invested capital | 32.4% | – |
| Financial health | ||
| Debt / equity | – | 0.35 |
| Net debt / EBITDA | – | 3.39 |
| Interest coverage | 2.9× | – |
| Altman Z-score | 0.34 | 0.68 (better) |
| Piotroski F-score | 5 (better) | 4 |
| Dividends and buybacks | ||
| Dividend yield | 1.2% | 1.6% (better) |
| Payout ratio | 23.7% | 43.8% |
| Years of dividend growth | 13 (better) | 8 |
| Dividend growth, 5Y average | 7.3% | 9.1% (better) |
| Buyback yield | 4.6% | 7.7% (better) |
| Shareholder yield | 5.8% | 9.3% (better) |
| Ownership | ||
| Held by institutions | 95.8% | 89.7% |
| Held by insiders | 3.4% | 1.3% |
| Insider net buying, 12 months | −$21.8M | −$4.5M (better) |
| Superinvestors holding | – | 1 |
| Short interest, % of float | 2.9% | – |
Go deeper
- CNO stock overview
- CNO income statement
- CNO valuation and score
- UNM stock overview
- UNM income statement
- UNM valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.