Financial Contrast: Unum Group (NYSE:UNM) vs. SiriusPoint (NYSE:SPNT)

Unum Group (NYSE:UNM) and SiriusPoint (NYSE:SPNT) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their earnings, valuation, profitability, analyst recommendations, dividends, institutional ownership and risk.

Institutional and Insider Ownership

86.6% of Unum Group shares are owned by institutional investors. Comparatively, 52.8% of SiriusPoint shares are owned by institutional investors. 1.0% of Unum Group shares are owned by company insiders. Comparatively, 12.2% of SiriusPoint shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Analyst Ratings

This is a breakdown of current recommendations and price targets for Unum Group and SiriusPoint, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Unum Group	0	6	8	0	2.57
SiriusPoint	0	3	2	1	2.67

Unum Group presently has a consensus price target of $99.42, suggesting a potential upside of 7.59%. SiriusPoint has a consensus price target of $30.50, suggesting a potential upside of 22.71%. Given SiriusPoint’s stronger consensus rating and higher probable upside, analysts plainly believe SiriusPoint is more favorable than Unum Group.

Volatility and Risk

Unum Group has a beta of 0.25, suggesting that its stock price is 75% less volatile than the S&P 500. Comparatively, SiriusPoint has a beta of 0.59, suggesting that its stock price is 41% less volatile than the S&P 500.

Valuation and Earnings

This table compares Unum Group and SiriusPoint”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Unum Group	$13.08 billion	1.12	$738.50 million	$4.29	21.54
SiriusPoint	$3.21 billion	0.90	$459.60 million	$4.10	6.06

Unum Group has higher revenue and earnings than SiriusPoint. SiriusPoint is trading at a lower price-to-earnings ratio than Unum Group, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Unum Group and SiriusPoint’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Unum Group	5.26%	12.60%	2.18%
SiriusPoint	15.56%	15.65%	2.76%

Summary

SiriusPoint beats Unum Group on 8 of the 15 factors compared between the two stocks.

About Unum Group

Unum Group, together with its subsidiaries, provides financial protection benefit solutions primarily in the United States, the United Kingdom, Poland, and internationally. It operates through Unum US, Unum International, Colonial Life, and Closed Block segment. The company offers group long-term and short-term disability, group life, and accidental death and dismemberment products; supplemental and voluntary products, such as individual disability, voluntary benefits, and dental and vision products; and accident, sickness, disability, life, and cancer and critical illness products. It also provides group pension, individual life and corporate-owned life insurance, reinsurance pools and management operations, and other miscellaneous products. The company sells its products primarily to employers for the benefit of employees. It sells its products through field sales personnel, independent brokers, consultants, and independent contractor agent sales force and brokers. Unum Group was founded in 1848 and is based in Chattanooga, Tennessee.

About SiriusPoint

SiriusPoint Ltd. provides multi-line insurance and reinsurance products and services worldwide. The company operates through two segments, Reinsurance, and Insurance & Services. The Reinsurance segment provides aviation and space, accident and health, casualty, credit, marine and energy, property to insurance and reinsurance companies, government entities, and other risk bearing vehicles. This segment offers medical insurance products, trip cancellation programs, medical management services, and 24/7 emergency medical and travel assistance services. The Insurance & Services segment provides accident and health, marine and energy, property and casualty, mortgage, environmental, workers' compensation, commercial auto lines, professional liability, and other lines of business. The company was formerly known as Third Point Reinsurance Ltd. and changed its name to SiriusPoint Ltd. in February 2021. SiriusPoint Ltd. was incorporated in 2011 and is headquartered in Pembroke, Bermuda.