AIG vs. UNM: American International vs. Unum Stock Comparison
How do American International (AIG) 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
American International (AIG) and Unum (UNM) both belong to the Insurance industry, though AIG is classified under Multi-line Insurance while UNM falls under Life & Health Insurance.
| Profile Item | AIG | UNM |
|---|---|---|
| Name | American International Group, Inc. | Unum Group |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Multi-line Insurance | Life & Health Insurance |
| Market Capitalization | 40.31 billion USD | 11.89 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | January 2, 1973 | November 6, 1986 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | AIG | UNM |
|---|---|---|
| Total Return (1Y) | 5.79% | 4.52% |
| Total Return (3Y, Annualized) | 10.55% | 25.65% |
| Total Return (5Y, Annualized) | 8.67% | 29.12% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | AIG | UNM |
|---|---|---|
| Volatility (1Y, Annualized) | 23.72% | 29.31% |
| Beta (5Y) | 0.47 | 0.28 |
| Max Drawdown (5Y) | -26.45% | -23.00% |
| Avg. Volume (3M) | 4.14M | 1.86M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | AIG | UNM |
|---|---|---|
| Sharpe Ratio (1Y) | 0.06 | 0.01 |
| Sortino Ratio (1Y) | 0.09 | 0.01 |
Profitability
ROE (TTM)
Both American International (AIG) at 8.23% and Unum (UNM) at 2.25% produce bottom-quartile ROE versus peers, pointing to weaker profit generation on shareholders’ equity.
AIG
Insurance industry group
8.23%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- AIG
- 8.23%
- 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%
Net Margin (TTM)
American International (AIG) at 11.84% keeps about the industry-typical share of revenue as profit, while Unum (UNM) at 1.94% retains only a bottom-quartile share.
AIG
Insurance industry group
11.84%
- Max
- 29.92%
- Q3
- 17.03%
- AIG
- 11.84%
- Median
- 10.97%
- 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%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for American International (AIG) 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
| Metric | AIG | UNM |
|---|---|---|
| ROE (TTM) | 8.23% | 2.25% |
| ROA (TTM) | 1.95% | 0.51% |
| Net Margin (TTM) | 11.84% | 1.94% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both American International (AIG) at -1.82% and Unum (UNM) at 1.52% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.
EPS Growth
Only one side can be read here: Unum (UNM) reports EPS growth of -54.86%, ranked against its industry; American International (AIG) has no EPS growth figure this period.
Growth Metrics
| Metric | AIG | UNM |
|---|---|---|
| Revenue Growth (YoY) | -1.82% | 1.52% |
| Revenue Growth (3Y CAGR) | -3.69% | 3.02% |
| EPS Growth (YoY) | -- | -54.86% |
| EPS Growth (3Y CAGR) | -25.13% | -13.07% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: American International (AIG) 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: American International (AIG) 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
| Metric | AIG | UNM |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both American International (AIG) at 2.35% and Unum (UNM) at 2.61% offer top-quartile dividend income relative to share price within their industries.
AIG
Insurance industry group
2.35%
- Max
- 5.12%
- AIG
- 2.35%
- 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%
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 American International (AIG) reports 31.00%, ranking against industry peers normally.
AIG
Insurance industry group
31.00%
- Max
- 76.67%
- Q3
- 35.18%
- AIG
- 31.00%
- 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%
Dividend Metrics
| Metric | AIG | UNM |
|---|---|---|
| Dividend Yield (TTM) | 2.35% | 2.61% |
| Dividend Payout Ratio (TTM) | 31.00% | 128.23% |
Valuation
P/E Ratio (TTM)
American International (AIG) at 12.68 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.
AIG
Insurance industry group
12.68
- Max
- 28.37
- Q3
- 18.75
- AIG
- 12.68
- Median
- 12.23
- 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
P/S Ratio (TTM)
On P/S ratio, both American International (AIG) at 1.45 and Unum (UNM) at 0.95 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
AIG
Insurance industry group
1.45
- Max
- 4.03
- Q3
- 2.25
- AIG
- 1.45
- Median
- 1.23
- 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
P/B Ratio (MRQ)
Relative to net asset value, both American International (AIG) at 1.04 and Unum (UNM) at 1.11 look inexpensive, sitting in the lower P/B ratio quartile of their industries.
AIG
Insurance industry group
1.04
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- Q1
- 1.23
- AIG
- 1.04
- 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
Valuation Metrics
| Metric | AIG | UNM |
|---|---|---|
| P/E Ratio (TTM) | 12.68 | 52.21 |
| P/S Ratio (TTM) | 1.45 | 0.95 |
| P/B Ratio (MRQ) | 1.04 | 1.11 |
| Free Cash Flow Yield (TTM) | -- | -- |