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AEG vs. UNM: Aegon vs. Unum Stock Comparison

How do Aegon (AEG) and Unum (UNM) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

Aegon (AEG) and Unum (UNM) are both classified in the Life & Health Insurance sub-industry within the broader Insurance industry, placing them in the closest GICS peer bucket.

Unum (UNM) trades as ordinary local shares, while Aegon (AEG) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Company profile comparison for Aegon (AEG) and Unum (UNM)
Profile ItemAEGUNM
NameAegon Ltd. New York Registry SharesUnum Group
Country/RegionNetherlandsUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupInsuranceInsurance
GICS IndustryInsuranceInsurance
GICS Sub-IndustryLife & Health InsuranceLife & Health Insurance
Market Capitalization12.09 billion USD11.89 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateJune 28, 1985November 6, 1986
Security TypeADRCommon Stock

Price Performance

Cumulative Growth

AEG
UNM
GSPC
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Aegon (AEG) vs. Unum (UNM), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Aegon (AEG) and Unum (UNM). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Aegon (AEG) and Unum (UNM). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Aegon (AEG) and Unum (UNM)
MetricAEGUNM
Total Return (1Y)19.25%4.52%
Total Return (3Y, Annualized)26.15%25.65%
Total Return (5Y, Annualized)17.53%29.12%

Risk Profile

Drawdown History

AEG
UNM
GSPC
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Aegon (AEG) vs. Unum (UNM), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Aegon (AEG) and Unum (UNM). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Aegon (AEG) and Unum (UNM)
MetricAEGUNM
Volatility (1Y, Annualized)24.91%29.31%
Beta (5Y)0.850.28
Max Drawdown (5Y)-36.55%-23.00%
Avg. Volume (3M)5.27M1.86M

Risk-Adjusted Performance

Risk-Return Positioning

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AEG and UNM are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Aegon (AEG) and Unum (UNM)
MetricAEGUNM
Sharpe Ratio (1Y)0.600.01
Sortino Ratio (1Y)0.840.01

Profitability

ROE (TTM)

Aegon (AEG) at 11.07% is around its peer norm for ROE, while Unum (UNM) at 2.25% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

AEG

Insurance industry group

11.07%

Max
41.68%
Q3
22.04%
Median
14.81%
AEG
11.07%
Q1
8.79%
Min
-10.66%

UNM

Insurance industry group

2.25%

Max
41.68%
Q3
22.04%
Median
14.81%
Q1
8.79%
UNM
2.25%
Min
-10.66%
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Aegon (AEG) vs. Unum (UNM): A comparison of their ROE against the Insurance industry group benchmark.

Net Margin (TTM)

Aegon (AEG) at 8.62% keeps about the industry-typical share of revenue as profit, while Unum (UNM) at 1.94% retains only a bottom-quartile share.

AEG

Insurance industry group

8.62%

Max
29.92%
Q3
17.03%
Median
10.97%
AEG
8.62%
Q1
6.21%
Min
-4.68%

UNM

Insurance industry group

1.94%

Max
29.92%
Q3
17.03%
Median
10.97%
Q1
6.21%
UNM
1.94%
Min
-4.68%
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Aegon (AEG) vs. Unum (UNM): A comparison of their net margin against the Insurance industry group benchmark.

Operating Margin (TTM)

Neither side reports a meaningful operating margin: for Aegon (AEG) in Insurance and Unum (UNM) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Profitability metrics for Aegon (AEG) and Unum (UNM)
MetricAEGUNM
ROE (TTM)11.07%2.25%
ROA (TTM)0.10%0.51%
Net Margin (TTM)8.62%1.94%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

Aegon (AEG) at 37.63% sits in the top revenue growth quartile, while Unum (UNM) at 1.52% is in the bottom quartile, showing a clear gap in revenue momentum.

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Aegon (AEG) vs. Unum (UNM): A comparison of their Revenue Growth across different time periods.

EPS Growth

Aegon (AEG) at 59.46% sits in the top EPS growth quartile, while Unum (UNM) at -54.86% is in the bottom quartile, showing a clear gap in earnings momentum.

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Aegon (AEG) vs. Unum (UNM): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Aegon (AEG) and Unum (UNM)
MetricAEGUNM
Revenue Growth (YoY)37.63%1.52%
Revenue Growth (3Y CAGR)--3.02%
EPS Growth (YoY)59.46%-54.86%
EPS Growth (3Y CAGR)---13.07%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Aegon (AEG) in Insurance and Unum (UNM) in Insurance both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for both: Aegon (AEG) in Insurance and Unum (UNM) in Insurance run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Financial strength metrics for Aegon (AEG) and Unum (UNM)
MetricAEGUNM
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Both Aegon (AEG) at 4.96% and Unum (UNM) at 2.61% offer top-quartile dividend income relative to share price within their industries.

AEG

Insurance industry group

4.96%

Max
5.12%
AEG
4.96%
Q3
2.15%
Median
0.98%
Q1
0.00%
Min
0.00%

UNM

Insurance industry group

2.61%

Max
5.12%
UNM
2.61%
Q3
2.15%
Median
0.98%
Q1
0.00%
Min
0.00%
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Aegon (AEG) vs. Unum (UNM): A comparison of their dividend yield against the Insurance industry group benchmark.

Dividend Payout Ratio (TTM)

Unum (UNM) reports payout ratio above 100% at 128.23%, meaning dividends exceeded current-period earnings and sustainability needs extra context. Meanwhile Aegon (AEG) reports 61.52%, ranking against industry peers normally.

AEG

Insurance industry group

61.52%

Max
76.67%
AEG
61.52%
Q3
35.18%
Median
14.74%
Q1
0.00%
Min
0.00%

UNM

Insurance industry group

128.23%

UNM
128.23%
Max
76.67%
Q3
35.18%
Median
14.74%
Q1
0.00%
Min
0.00%
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Aegon (AEG) vs. Unum (UNM): A comparison of their payout ratio against the Insurance industry group benchmark.

Dividend Metrics

Dividend metrics for Aegon (AEG) and Unum (UNM)
MetricAEGUNM
Dividend Yield (TTM)4.96%2.61%
Dividend Payout Ratio (TTM)61.52%128.23%

Valuation

P/E Ratio (TTM)

Aegon (AEG) at 12.03 is near its industry’s usual P/E ratio, while Unum (UNM) at 52.21 sits above its peer range — an unusually expensive price for UNM’s trailing earnings.

AEG

Insurance industry group

12.03

Max
28.37
Q3
18.75
Median
12.23
AEG
12.03
Q1
9.08
Min
2.32

UNM

Insurance industry group

52.21

UNM
52.21
Max
28.37
Q3
18.75
Median
12.23
Q1
9.08
Min
2.32
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Aegon (AEG) vs. Unum (UNM): A comparison of their P/E ratio against the Insurance industry group benchmark.

P/S Ratio (TTM)

On P/S ratio, both Aegon (AEG) at 1.04 and Unum (UNM) at 0.95 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

AEG

Insurance industry group

1.04

Max
4.03
Q3
2.25
Median
1.23
AEG
1.04
Q1
0.85
Min
0.07

UNM

Insurance industry group

0.95

Max
4.03
Q3
2.25
Median
1.23
UNM
0.95
Q1
0.85
Min
0.07
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Aegon (AEG) vs. Unum (UNM): A comparison of their P/S ratio against the Insurance industry group benchmark.

P/B Ratio (MRQ)

Unum (UNM) at 1.11 sits in the lower P/B ratio quartile against book while Aegon (AEG) at 1.23 is valued near its industry’s middle — UNM is cheaper on assets, though weigh it against ROE and asset quality.

AEG

Insurance industry group

1.23

Max
5.07
Q3
2.79
Median
1.76
AEG
1.23
Q1
1.23
Min
0.30

UNM

Insurance industry group

1.11

Max
5.07
Q3
2.79
Median
1.76
Q1
1.23
UNM
1.11
Min
0.30
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Aegon (AEG) vs. Unum (UNM): A comparison of their P/B ratio against the Insurance industry group benchmark.

Valuation Metrics

Valuation metrics for Aegon (AEG) and Unum (UNM)
MetricAEGUNM
P/E Ratio (TTM)12.0352.21
P/S Ratio (TTM)1.040.95
P/B Ratio (MRQ)1.231.11
Free Cash Flow Yield (TTM)----