COMP <GO>
UNM vs BAC // FORWARD P/E MULTIPLE
Unum Group (NYSE) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: UNM 6
— BAC 6
▲ FORWARD P/E MULTIPLE LEADER: BAC
LAST: $91.59 (+1.49%) • MKT CAP: $14.50B
forward-pe
18.2x
LAST: $51.14 (+0.57%) • MKT CAP: $357.61B
forward-pe
10.9x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (UNM VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | UNM | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 9.80% | 2.50% | +7.30 | UNM | /roic <GO> |
| EV/EBITDA & P/E Valuation | 10.5x | 30.2x | -19.70 | UNM | /valuation <GO> |
| Free Cash Flow Yield | 3.83% | 2.10% | +1.73 | UNM | /fcf-yield <GO> |
| Operating Margin | 6.90% | 32.90% | -26.00 | BAC | /operating-margins <GO> |
| Net Profit Margin | 5.60% | 27.00% | -21.40 | BAC | /net-margins <GO> |
| Revenue Growth (YoY) | 1.50% | 6.80% | -5.30 | BAC | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.11% | 0.00% | +2.11 | UNM | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 7/9 | -1.00 | BAC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 50.0 | 38.3 | +11.70 | UNM | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.16 | 0.90 | +0.26 | UNM | /macro-sensitivity <GO> |
| Forward P/E Multiple ACTIVE | 18.2x | 10.9x | +7.30 | BAC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $14.50B | $357.61B | -$343.11B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | UNM REV | BAC REV | UNM GROSS % | BAC GROSS % | UNM FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $13.08B | $113.10B | — | — | $555.4M | $7.52B |
| FY 2024 | $12.89B | $105.86B | — | — | $1.39B | -$13.57B |
| FY 2023 | $12.39B | $102.77B | — | — | $645.4M | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
UNM // BETA 1.16
BAC // BETA 0.90