Primerica Inc (PRI)vsUnum Group (UNM)
PRI
Primerica Inc
$251.89
+0.39%
FINANCIAL SERVICES · Cap: $7.94B
UNM
Unum Group
$74.50
+0.89%
FINANCIAL SERVICES · Cap: $12.47B
Smart Verdict
WallStSmart Research — data-driven comparison
Unum Group generates 290% more annual revenue ($13.08B vs $3.35B). PRI leads profitability with a 22.4% profit margin vs 5.7%. UNM appears more attractively valued with a PEG of 1.03. PRI earns a higher WallStSmart Score of 75/100 (B+).
PRI
Strong Buy75
out of 100
Grade: B+
UNM
Buy56
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+75.1%
Fair Value
$1017.20
Current Price
$251.89
$765.31 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 32 in profit
Strong operational efficiency at 30.8%
Keeps 22 of every $100 in revenue as profit
Earnings expanding 23.5% YoY
Reasonable price relative to book value
Attractively priced relative to earnings
Areas to Watch
Distress zone — elevated risk
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 : PRI
The strongest argument for PRI centers on P/E Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 22.4% and operating margin at 30.8%. PEG of 1.07 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 : PRI
The primary concerns for PRI are Altman Z-Score.
Bear Case : UNM
The primary concerns for UNM are Revenue Growth, Return on Equity, Profit Margin.
Key Dynamics to Monitor
PRI profiles as a mature stock while UNM is a value play — different risk/reward profiles.
PRI carries more volatility with a beta of 0.92 — expect wider price swings.
PRI is growing revenue faster at 8.0% — sustainability is the question.
PRI generates stronger free cash flow (326M), providing more financial flexibility.
Bottom Line
PRI scores higher overall (75/100 vs 56/100), backed by strong 22.4% 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.
Primerica Inc
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Primerica, Inc., offers financial products to middle-income households in the United States and Canada. The company is headquartered in Duluth, Georgia.
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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