COMP <GO>
UNM vs HSBC // FREE CASH FLOW YIELD
Unum Group (NYSE) VS. HSBC Holdings plc. (NYSE) • 15-METRIC TALLY: UNM 6
— HSBC 8
▲ FREE CASH FLOW YIELD LEADER: UNM
LAST: $91.14 (-0.49%) • MKT CAP: $14.50B
fcf-yield
3.83%
LAST: $85.42 (-1.36%) • MKT CAP: $297.33B
fcf-yield
2.21%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (UNM VS. HSBC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | UNM | HSBC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | 41.00% | 0.00 | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 9.80% | 9.90% | -0.10 | HSBC | /roic <GO> |
| EV/EBITDA & P/E Valuation | 10.5x | 21.0x | -10.50 | UNM | /valuation <GO> |
| Free Cash Flow Yield ACTIVE | 3.83% | 2.21% | +1.62 | UNM | /fcf-yield <GO> |
| Operating Margin | 6.90% | 13.90% | -7.00 | HSBC | /operating-margins <GO> |
| Net Profit Margin | 5.60% | 10.90% | -5.30 | HSBC | /net-margins <GO> |
| Revenue Growth (YoY) | 1.50% | 23.10% | -21.60 | HSBC | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.11% | 0.00% | +2.11 | UNM | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 0.85 | 3.74 | -2.89 | HSBC | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 8/9 | -2.00 | HSBC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 7.40% | 6.60% | +0.80 | HSBC | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 48.3 | 25.0 | +23.29 | UNM | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.16 | 0.92 | +0.24 | UNM | /macro-sensitivity <GO> |
| Forward P/E Multiple | 18.2x | 27.6x | -9.40 | UNM | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $14.50B | $297.33B | -$282.83B | HSBC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | UNM REV | HSBC REV | UNM GROSS % | HSBC GROSS % | UNM FCF | HSBC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $13.08B | — | 44.0% | — | $555.4M | — |
| FY 2024 | $12.89B | — | 44.0% | — | $1.39B | — |
| FY 2023 | $12.39B | — | 44.0% | — | $645.4M | — |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
UNM // BETA 1.16
HSBC // BETA 0.92