AFLAC (AFL) vs Unum Group (UNM)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Unum Group (UNM) has outperformed AFLAC (AFL) over the past year, gaining 17.8% versus a loss of 0.2%. Over five years, UNM leads with a +239.2% price change compared with +103.0% for AFL. AFLAC is the larger company by market cap ($57.62 billion vs $14.67 billion), about 3.9 times the size, while Unum Group is growing revenue faster (+1.5% vs -9.3%).
On valuation, Unum Group trades at a lower forward P/E (9.8x vs 15.2x for AFLAC). AFLAC offers the higher dividend yield (2.07% vs 2.03%). AFLAC converts more of its revenue into profit, with a net margin of 21.2% versus 5.6%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | AFL | UNM |
|---|---|---|
| Share price | $114.94 | $92.64 |
| Market cap | $57.62B | $14.67B |
| 1-day change | +1.95% | -0.60% |
| YTD return | +2.24% | +19.54% |
| 1-year return | -0.17% | +17.83% |
| 5-year return | +102.95% | +239.16% |
| P/E ratio (TTM) | 12.36 | 21.64 |
| Forward P/E | 15.16 | 9.82 |
| EPS (TTM) | $9.30 | $4.28 |
| Dividend yield | 2.07% | 2.03% |
| Annual dividend | $2.38 | $1.89 |
| Revenue (latest FY) | $17.16B | $13.08B |
| Revenue growth (YoY) | -9.31% | +1.46% |
| Net income (latest FY) | $3.65B | $738.50M |
| Net margin | 21.24% | 5.65% |
| 52-week high | $130.22 | $96.77 |
| 52-week low | $105.43 | $69.02 |
| Distance from 52-week high | -11.73% | -4.27% |
| Analyst consensus | hold | buy |
| Avg. price target upside | +2.78% | +9.94% |
| Average volume | 2.06M | 1.64M |
| Shares outstanding | 501.34M | 158.31M |
| Employees | 12,716 | 10,684 |
| Sector | Finance | Finance |
| Industry | Accident &Health Insurance | Accident &Health Insurance |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- AFLAC is about 3.9 times larger than Unum Group by market value ($57.62B vs $14.67B).
- UNM has outperformed AFL by 18.0 percentage points over the past year.
- Unum Group trades at a higher earnings multiple (21.6x vs 12.4x trailing P/E).
- AFLAC is more profitable, keeping 21.2 cents of every revenue dollar as net income versus 5.6 cents for Unum Group.
- Unum Group grew revenue faster in its latest fiscal year (+1.46% vs -9.31%).
About AFLAC
AFL stock →Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products. It operates in two segments, Aflac Japan and Aflac U.S.
Finance · Accident &Health Insurance · 12,716 employees
About Unum Group
UNM stock →Unum Group, together with its subsidiaries, provides financial protection benefit solutions in the United States, the United Kingdom, and Poland. It operates through Unum US, Unum International, Colonial Life, and Closed Block segments.
Finance · Accident &Health Insurance · 10,684 employees
AFL vs UNM FAQ
Which is bigger, AFLAC or Unum Group?
AFLAC (AFL) is larger, with a market capitalization of $57.62B compared with $14.67B for Unum Group (UNM).
Which stock has performed better over the past year, AFL or UNM?
UNM returned +17.83% over the past 12 months, compared with -0.17% for AFL (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, AFL or UNM?
AFL has the lower trailing P/E at 12.4, versus 21.6 for UNM. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, AFLAC or Unum Group?
AFLAC has the higher yield at 2.07%, compared with 2.03% for Unum Group.
Are AFLAC and Unum Group in the same industry?
Yes. Both are classified in the Accident &Health Insurance industry within the Finance sector.