Manulife Financial Corp (MFC)vsUnum Group (UNM)
MFC
Manulife Financial Corp
$34.60
+0.48%
FINANCIAL SERVICES · Cap: $56.67B
UNM
Unum Group
$74.50
+0.89%
FINANCIAL SERVICES · Cap: $12.47B
Smart Verdict
WallStSmart Research — data-driven comparison
Manulife Financial Corp generates 137% more annual revenue ($30.98B vs $13.08B). MFC leads profitability with a 18.7% profit margin vs 5.7%. MFC appears more attractively valued with a PEG of 0.78. MFC earns a higher WallStSmart Score of 66/100 (B-).
MFC
Strong Buy66
out of 100
Grade: B-
UNM
Buy56
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-149.9%
Fair Value
$15.16
Current Price
$34.59
$19.43 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
Strong operational efficiency at 133.5%
Large-cap with strong market position
Conservative balance sheet, low leverage
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Reasonable price relative to book value
Attractively priced relative to earnings
Areas to Watch
Revenue declined 34.9%
Earnings declined 6.1%
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 : MFC
The strongest argument for MFC centers on Operating Margin, Market Cap, Debt/Equity. Profitability is solid with margins at 18.7% and operating margin at 133.5%. PEG of 0.78 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 : MFC
The primary concerns for MFC are Revenue Growth, EPS Growth.
Bear Case : UNM
The primary concerns for UNM are Revenue Growth, Return on Equity, Profit Margin.
Key Dynamics to Monitor
MFC profiles as a declining stock while UNM is a value play — different risk/reward profiles.
MFC carries more volatility with a beta of 0.74 — expect wider price swings.
UNM is growing revenue faster at 0.2% — sustainability is the question.
MFC generates stronger free cash flow (8.6B), providing more financial flexibility.
Bottom Line
MFC scores higher overall (66/100 vs 56/100), backed by strong 18.7% 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.
Manulife Financial Corp
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Manulife Financial Corporation, offers financial products and services in Asia, Canada, the United States and internationally. The company is headquartered in Toronto, Canada.
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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