F&G Annuities & Life Inc. (FG)vsUnum Group (UNM)
FG
F&G Annuities & Life Inc.
$24.64
+1.48%
FINANCIAL SERVICES · Cap: $3.29B
UNM
Unum Group
$74.50
+0.89%
FINANCIAL SERVICES · Cap: $12.47B
Smart Verdict
WallStSmart Research — data-driven comparison
Unum Group generates 128% more annual revenue ($13.08B vs $5.73B). UNM leads profitability with a 5.7% profit margin vs 4.6%. FG trades at a lower P/E of 12.9x. UNM earns a higher WallStSmart Score of 56/100 (C).
FG
Buy53
out of 100
Grade: C-
UNM
Buy56
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-121.9%
Fair Value
$12.78
Current Price
$24.64
$11.86 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
Reasonable price relative to book value
Attractively priced relative to earnings
Generating 1.5B in free cash flow
Reasonable price relative to book value
Attractively priced relative to earnings
Areas to Watch
ROE of 6.0% — below average capital efficiency
4.6% margin — thin
Weak financial health signals
Earnings declined 64.2%
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 : FG
The strongest argument for FG centers on Price/Book, P/E Ratio, Free Cash Flow. Revenue growth of 13.2% demonstrates continued momentum.
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 : FG
The primary concerns for FG are Return on Equity, Profit Margin, Piotroski F-Score. Thin 4.6% margins leave little buffer for downturns.
Bear Case : UNM
The primary concerns for UNM are Revenue Growth, Return on Equity, Profit Margin.
Key Dynamics to Monitor
FG carries more volatility with a beta of 1.61 — expect wider price swings.
FG is growing revenue faster at 13.2% — sustainability is the question.
FG generates stronger free cash flow (1.5B), 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.
F&G Annuities & Life Inc.
FINANCIAL SERVICES · INSURANCE - LIFE · USA
FGL Holdings sells individual life and annuity insurance products in the United States. The company is headquartered in Des Moines, Iowa.
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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