WallStSmart

The Southern Company JR 2017B NT 77 (SOJC)vsUnum Group 6.250% JR NT58 (UNMA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

UNMA leads profitability with a 0.0% profit margin vs 0.0%. UNMA trades at a lower P/E of 4.4x. SOJC earns a higher WallStSmart Score of 21/100 (F).

SOJC

Avoid

21

out of 100

Grade: F

Growth: 4.0Profit: 4.5Value: 5.3Quality: 3.0
Piotroski: 2/9Altman Z: 0.65

UNMA

Avoid

20

out of 100

Grade: F

Growth: 4.0Profit: 4.0Value: 6.7Quality: 6.5
Piotroski: 4/9Altman Z: 0.70

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

SOJC0 strengths · Avg: 0/10

No standout strengths identified

UNMA1 strengths · Avg: 10.0/10
P/E RatioValuation
4.4x10/10

Attractively priced relative to earnings

Areas to Watch

SOJC4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
0.0%4/10

0.0% revenue growth

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Operating MarginProfitability
0.0%3/10

Operating margin of 0.0%

UNMA4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
0.0%4/10

0.0% revenue growth

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Return on EquityProfitability
7.2%3/10

ROE of 7.2% — below average capital efficiency

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : SOJC

SOJC has a balanced fundamental profile.

Bull Case : UNMA

The strongest argument for UNMA centers on P/E Ratio.

Bear Case : SOJC

The primary concerns for SOJC are Revenue Growth, EPS Growth, Profit Margin. Debt-to-equity of 1.95 is elevated, increasing financial risk.

Bear Case : UNMA

The primary concerns for UNMA are Revenue Growth, EPS Growth, Return on Equity.

Key Dynamics to Monitor

UNMA is growing revenue faster at 0.0% — sustainability is the question.

UNMA generates stronger free cash flow (474M), providing more financial flexibility.

Monitor REIT - RESIDENTIAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

SOJC scores higher overall (21/100 vs 20/100). Both earn "Avoid" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

The Southern Company JR 2017B NT 77

REAL ESTATE · REIT - RESIDENTIAL · USA

The Southern Company is dedicated to the generation, transmission and distribution of electric power. The company is headquartered in Atlanta, Georgia.

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Unum Group 6.250% JR NT58

REAL ESTATE · REIT - RESIDENTIAL · USA

Unum Group offers financial protection benefits solutions in the United States, the United Kingdom, and internationally. The company is headquartered in Chattanooga, Tennessee.

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