AFLAC INC vs Unum Group, two Managed Care stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
The margin gap between these two supplemental insurers is the page's whole argument: Aflac keeps 25.6 cents of each premium dollar as profit, Unum 5.9, selling adjacent products, cancer and accident policies against disability and group life. Aflac's return on equity doubles Unum's, 15.5% against 7.2%, and its balance sheet carries less debt, 0.26 against 0.35. The market pays for the difference but not proportionally: 13.7 times earnings against 19.5, and the premium lands on the weaker earner, likely pricing Unum's long-term-care reserve rehabilitation finally ending. Both pay near-2% dividends. One multiple buys demonstrated underwriting; the dearer one buys relief.
Comparison updated 2026-07-10.
| Metric | AFL | UNM |
|---|---|---|
| Price | $120.07 | $90.06 |
| Market cap | $61.8B | $14.8B |
| Sector | Managed Care | Managed Care |
| Stage | Mature | Mature |
| P/E | 13.7 | 19.5 |
| P/B | 2.06 | 1.36 |
| P/S | 3.41 | 1.11 |
| Revenue growth | +14.9% | +4.4% |
| Net margin | 25.6% | 5.9% |
| Return on equity | 15.5% | 7.2% |
| Return on assets | 4.0% | 1.3% |
| FCF yield | 4.8% | 3.6% |
| Dividend yield | 2.0% | 1.9% |
| Debt / equity | 0.26 | 0.35 |
| Altman Z (solvency) | 1.26 | 0.69 |
| Piotroski F (quality) | 7 / 9 | 9 / 9 |
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The stronger value is highlighted per metric where one is strictly better on that single number; it is not an overall verdict on either company. For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.