Brighthouse Financial Inc (BHF)vsUnum Group (UNM)
BHF
Brighthouse Financial Inc
$60.54
+0.46%
FINANCIAL SERVICES · Cap: $3.45B
UNM
Unum Group
$74.50
+0.89%
FINANCIAL SERVICES · Cap: $12.47B
Smart Verdict
WallStSmart Research — data-driven comparison
Unum Group generates 88% more annual revenue ($13.08B vs $6.95B). BHF leads profitability with a 6.2% profit margin vs 5.7%. BHF trades at a lower P/E of 10.6x. UNM earns a higher WallStSmart Score of 56/100 (C).
BHF
Buy53
out of 100
Grade: C-
UNM
Buy56
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-64.5%
Fair Value
$38.83
Current Price
$60.54
$21.71 premium
Margin of Safety
-145.9%
Fair Value
$29.04
Current Price
$74.50
$45.46 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 21.3%
Reasonable price relative to book value
Attractively priced relative to earnings
Areas to Watch
ROE of 7.4% — below average capital efficiency
6.2% margin — thin
Revenue declined 31.6%
Earnings declined 82.1%
0.2% revenue growth
ROE of 6.7% — below average capital efficiency
5.7% margin — thin
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : BHF
The strongest argument for BHF centers on P/E Ratio, Price/Book, Operating Margin.
Bull Case : UNM
The strongest argument for UNM centers on Price/Book, P/E Ratio. PEG of 1.03 suggests the stock is reasonably priced for its growth.
Bear Case : BHF
The primary concerns for BHF are Return on Equity, Profit Margin, Revenue Growth.
Bear Case : UNM
The primary concerns for UNM are Revenue Growth, Return on Equity, Profit Margin.
Key Dynamics to Monitor
BHF carries more volatility with a beta of 0.95 — expect wider price swings.
UNM is growing revenue faster at 0.2% — sustainability is the question.
UNM generates stronger free cash flow (320M), providing more financial flexibility.
Monitor INSURANCE - LIFE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
UNM scores higher overall (56/100 vs 53/100). Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Brighthouse Financial Inc
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Brighthouse Financial, Inc. offers life insurance and annuity products in the United States. The company is headquartered in Charlotte, North Carolina.
Unum Group
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Unum Group is a Chattanooga, Tennessee-based Fortune 500 insurance company formerly known as UnumProvident.
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