COMP <GO>
UNM vs MS // FREE CASH FLOW YIELD
Unum Group (NYSE) VS. Morgan Stanley (NYSE) • 15-METRIC TALLY: UNM 7
— MS 7
▲ FREE CASH FLOW YIELD LEADER: UNM
LAST: $91.14 (-0.49%) • MKT CAP: $14.50B
fcf-yield
3.83%
LAST: $184.30 (-3.00%) • MKT CAP: $298.41B
fcf-yield
-7.25%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (UNM VS. MS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | UNM | MS | 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% | 3.00% | +6.80 | UNM | /roic <GO> |
| EV/EBITDA & P/E Valuation | 10.5x | 31.0x | -20.50 | UNM | /valuation <GO> |
| Free Cash Flow Yield ACTIVE | 3.83% | -7.25% | +11.08 | UNM | /fcf-yield <GO> |
| Operating Margin | 6.90% | 24.60% | -17.70 | MS | /operating-margins <GO> |
| Net Profit Margin | 5.60% | 20.20% | -14.60 | MS | /net-margins <GO> |
| Revenue Growth (YoY) | 1.50% | 5.50% | -4.00 | MS | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.11% | 2.21% | -0.10 | MS | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 0.85 | 0.46 | +0.39 | UNM | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 5/9 | +1.00 | UNM | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 7.40% | 7.00% | +0.40 | MS | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 48.3 | 43.3 | +5.00 | UNM | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.16 | 1.04 | +0.12 | UNM | /macro-sensitivity <GO> |
| Forward P/E Multiple | 18.2x | 16.5x | +1.70 | MS | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $14.50B | $298.41B | -$283.91B | MS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | UNM REV | MS REV | UNM GROSS % | MS GROSS % | UNM FCF | MS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $13.08B | $0 | 44.0% | — | $555.4M | -$17.89B |
| FY 2024 | $12.89B | $0 | 44.0% | — | $1.39B | $1.36B |
| FY 2023 | $12.39B | $0 | 44.0% | — | $645.4M | -$33.54B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
UNM // BETA 1.16
MS // BETA 1.04