Globe Life Inc (GL)vsUnum Group (UNM)
GL
Globe Life Inc
$137.51
-0.77%
FINANCIAL SERVICES · Cap: $10.90B
UNM
Unum Group
$74.50
+0.89%
FINANCIAL SERVICES · Cap: $12.47B
Smart Verdict
WallStSmart Research — data-driven comparison
Unum Group generates 118% more annual revenue ($13.08B vs $5.99B). GL leads profitability with a 19.4% profit margin vs 5.7%. UNM appears more attractively valued with a PEG of 1.03. GL earns a higher WallStSmart Score of 73/100 (B).
GL
Strong Buy73
out of 100
Grade: B
UNM
Buy56
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+53.5%
Fair Value
$309.54
Current Price
$137.51
$172.03 discount
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
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Strong operational efficiency at 24.2%
Reasonable price relative to book value
Attractively priced relative to earnings
Areas to Watch
3.6% revenue growth
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 : GL
The strongest argument for GL centers on P/E Ratio, Return on Equity, Price/Book. Profitability is solid with margins at 19.4% and operating margin at 24.2%. PEG of 1.30 suggests the stock is reasonably priced for its growth.
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 : GL
The primary concerns for GL are Revenue Growth.
Bear Case : UNM
The primary concerns for UNM are Revenue Growth, Return on Equity, Profit Margin.
Key Dynamics to Monitor
GL carries more volatility with a beta of 0.46 — expect wider price swings.
GL is growing revenue faster at 3.6% — sustainability is the question.
GL generates stronger free cash flow (330M), providing more financial flexibility.
Monitor INSURANCE - LIFE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
GL scores higher overall (73/100 vs 56/100), backed by strong 19.4% margins. Both earn "Strong 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.
Globe Life Inc
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Globe Life is a financial services holding company that operates through its wholly owned subsidiaries providing life insurance, annuity, and supplemental health insurance products. The company is based in McKinney, Texas.
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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