Genworth Financial Inc (GNW)vsUnum Group (UNM)
GNW
Genworth Financial Inc
$8.16
+0.87%
FINANCIAL SERVICES · Cap: $3.23B
UNM
Unum Group
$74.50
+0.89%
FINANCIAL SERVICES · Cap: $12.47B
Smart Verdict
WallStSmart Research — data-driven comparison
Unum Group generates 79% more annual revenue ($13.08B vs $7.30B). UNM leads profitability with a 5.7% profit margin vs 3.0%. GNW appears more attractively valued with a PEG of 0.31. GNW earns a higher WallStSmart Score of 64/100 (C+).
GNW
Buy64
out of 100
Grade: C+
UNM
Buy56
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+64.2%
Fair Value
$25.27
Current Price
$8.16
$17.11 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
Growing faster than its price suggests
Reasonable price relative to book value
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Earnings expanding 45.3% YoY
Reasonable price relative to book value
Attractively priced relative to earnings
Areas to Watch
0.1% revenue growth
ROE of 3.6% — below average capital efficiency
3.0% margin — thin
Operating margin of 2.4%
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 : GNW
The strongest argument for GNW centers on PEG Ratio, Price/Book, Debt/Equity. PEG of 0.31 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 : GNW
The primary concerns for GNW are Revenue Growth, Return on Equity, Profit Margin. Thin 3.0% 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
GNW carries more volatility with a beta of 1.00 — 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
GNW scores higher overall (64/100 vs 56/100). 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.
Genworth Financial Inc
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Genworth Financial, Inc. offers insurance products in the United States and internationally. The company is headquartered in Richmond, Virginia.
Visit Website →Unum Group
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Unum Group is a Chattanooga, Tennessee-based Fortune 500 insurance company formerly known as UnumProvident.
Visit Website →Compare with Other INSURANCE - LIFE Stocks
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