Sifting through countless of stocks in the Insurance industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Unum Group or Aflac Incorporated because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Unum Group and Aflac Incorporated compare based on key financial metrics to determine which better meets your investment needs.

About Unum Group and Aflac Incorporated

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 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 voluntary benefits, individual disability, 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 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.

Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products. The company operates in two segments, Aflac Japan and Aflac U.S. The Aflac Japan segment offers cancer, medical, nursing care, whole life, and GIFT insurance products, as well as WAYS and child endowment, and Tsumitasu insurance products in Japan. The Aflac U.S. segment provides accident, disability, cancer, critical illness, hospital indemnity, dental, vision, and life insurance products in the United States. The company sells its products through individual, independent corporate, and affiliated corporate agencies; banks; independent associates/career agents; and brokers. Aflac Incorporated was founded in 1955 and is based in Columbus, Georgia.

Latest Insurance and Unum Group, Aflac Incorporated Stock News

As of December 2, 2025, Unum Group had a $12.4 billion market capitalization, compared to the Insurance median of $5.4 million. Unum Group’s stock is up 0.7% in 2025, down 3.9% in the previous five trading days and down 1.33% in the past year.

Currently, Unum Group’s price-earnings ratio is 14.5. Unum Group’s trailing 12-month revenue is $13.1 billion with a 7.0% net profit margin. Year-over-year quarterly sales growth most recently was 5.0%. Analysts expect adjusted earnings to reach $8.325 per share for the current fiscal year. Unum Group currently has a 2.4% dividend yield.

As of December 2, 2025, Aflac Incorporated had a $57.0 billion market cap, putting it in the 95th percentile of all stocks. Aflac Incorporated’s stock is up 5.4% in 2025, down 2.3% in the previous five trading days and down 4.62% in the past year.

Currently, Aflac Incorporated’s price-earnings ratio is 14.2. Aflac Incorporated’s trailing 12-month revenue is $17.7 billion with a 23.6% net profit margin. Year-over-year quarterly sales growth most recently was 60.7%. Analysts expect adjusted earnings to reach $7.568 per share for the current fiscal year. Aflac Incorporated currently has a 2.2% dividend yield.

How We Compare Unum Group and Aflac Incorporated Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Unum Group and Aflac Incorporated’s stock grades to see how they measure up against one another.

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Unum Group and Aflac Incorporated Stock Value Grades

Company	Ticker	Value
Unum Group	UNM	B
Aflac Incorporated	AFL	C

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

Unum Group has a Value Score of 73, which is Value. Aflac Incorporated has a Value Score of 49, which is Average.

The Value Stock Winner: Unum Group

As you can clearly see from the Value Grade breakdown above, Unum Group is considered to have better value than Aflac Incorporated. For investors who focus solely on a company’s valuation, Unum Group could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Unum Group and Aflac Incorporated Growth Grades

Company	Ticker	Growth
Unum Group	UNM	C
Aflac Incorporated	AFL	F

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

Unum Group has a Growth Score of 59, which is Average. Aflac Incorporated has a Growth Score of 16, which is Very Weak.

The Growth Stock Winner: No Clear Winner

Neither Unum Group or Aflac Incorporated has a high enough Growth Grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Unum Group or Aflac Incorporated is the better investment when it comes to sustainable growth.

Unum Group and Aflac Incorporated’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Unum Group	UNM	F
Aflac Incorporated	AFL	B

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

Unum Group has a Earnings Estimate Score of 19, which is Very Negative. Aflac Incorporated has a Earnings Estimate Score of 80, which is Positive.

The Earnings Estimate Revisions Grade Winner: Aflac Incorporated

As you can clearly see from the Earnings Estimate Revisions Grade breakdown above, Aflac Incorporated has a better Earnings Estimate Revisions Grade than Unum Group. For those who are specifically looking for companies with better short-term prospects when compared to other companies in the same industry, Aflac Incorporated could be a good stock to invest in. However, it’s important to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Other Unum Group and Aflac Incorporated Grades

In addition to Estimate Revisions, Value and Growth, A+ Investor also provides grades for Momentum and Quality.

Momentum grades help uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming.

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and F-Score.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Unum Group and Aflac Incorporated pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Unum Group or Aflac Incorporated Stock?

Overall, Unum Group stock has a Value Score of 73, Growth Score of 59 and Estimate Revisions Score of 19.

Aflac Incorporated stock has a Value Score of 49, Growth Score of 16 and Estimate Revisions Score of 80.

Comparing Unum Group and Aflac Incorporated’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.