AJG vs. UNM: Arthur J. Gallagher vs. Unum Stock Comparison
How do Arthur J. Gallagher (AJG) 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
Arthur J. Gallagher (AJG) and Unum (UNM) both belong to the Insurance industry, though AJG is classified under Insurance Brokers while UNM falls under Life & Health Insurance.
| Profile Item | AJG | UNM |
|---|---|---|
| Name | Arthur J. Gallagher & Co. | Unum Group |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Insurance Brokers | Life & Health Insurance |
| Market Capitalization | 72.21 billion USD | 11.89 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | June 20, 1984 | November 6, 1986 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | AJG | UNM |
|---|---|---|
| Total Return (1Y) | 13.67% | 4.52% |
| Total Return (3Y, Annualized) | 5.42% | 25.65% |
| Total Return (5Y, Annualized) | 12.86% | 29.12% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | AJG | UNM |
|---|---|---|
| Volatility (1Y, Annualized) | 32.13% | 29.31% |
| Beta (5Y) | 0.46 | 0.28 |
| Max Drawdown (5Y) | -44.40% | -23.00% |
| Avg. Volume (3M) | 1.52M | 1.86M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | AJG | UNM |
|---|---|---|
| Sharpe Ratio (1Y) | 0.29 | 0.01 |
| Sortino Ratio (1Y) | 0.43 | 0.01 |
Profitability
ROE (TTM)
Both Arthur J. Gallagher (AJG) at 7.21% and Unum (UNM) at 2.25% produce bottom-quartile ROE versus peers, pointing to weaker profit generation on shareholders’ equity.
AJG
Insurance industry group
7.21%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- AJG
- 7.21%
- 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)
Arthur J. Gallagher (AJG) at 10.78% keeps about the industry-typical share of revenue as profit, while Unum (UNM) at 1.94% retains only a bottom-quartile share.
AJG
Insurance industry group
10.78%
- Max
- 29.92%
- Q3
- 17.03%
- Median
- 10.97%
- AJG
- 10.78%
- 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 Arthur J. Gallagher (AJG) 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 | AJG | UNM |
|---|---|---|
| ROE (TTM) | 7.21% | 2.25% |
| ROA (TTM) | 2.57% | 0.51% |
| Net Margin (TTM) | 10.78% | 1.94% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Arthur J. Gallagher (AJG) at 20.66% is around its peer norm for revenue growth, while Unum (UNM) at 1.52% drops into the bottom quartile, signaling weaker demand or pricing momentum.
EPS Growth
Arthur J. Gallagher (AJG) at -11.69% is around its peer norm for EPS growth, while Unum (UNM) at -54.86% drops into the bottom quartile, signaling weaker earnings momentum.
Growth Metrics
| Metric | AJG | UNM |
|---|---|---|
| Revenue Growth (YoY) | 20.66% | 1.52% |
| Revenue Growth (3Y CAGR) | 17.70% | 3.02% |
| EPS Growth (YoY) | -11.69% | -54.86% |
| EPS Growth (3Y CAGR) | 3.41% | -13.07% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Arthur J. Gallagher (AJG) 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: Arthur J. Gallagher (AJG) 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 | AJG | UNM |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Unum (UNM) at 2.61% delivers top-quartile income for its industry, while Arthur J. Gallagher (AJG) at 0.95% pays a more typical yield — both are credible income propositions, UNM the richer one.
AJG
Insurance industry group
0.95%
- Max
- 5.12%
- Q3
- 2.15%
- Median
- 0.98%
- AJG
- 0.95%
- 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 Arthur J. Gallagher (AJG) reports 41.98%, ranking against industry peers normally.
AJG
Insurance industry group
41.98%
- Max
- 76.67%
- AJG
- 41.98%
- 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%
Dividend Metrics
| Metric | AJG | UNM |
|---|---|---|
| Dividend Yield (TTM) | 0.95% | 2.61% |
| Dividend Payout Ratio (TTM) | 41.98% | 128.23% |
Valuation
P/E Ratio (TTM)
Both Arthur J. Gallagher (AJG) at 42.99 and Unum (UNM) at 52.21 trade above their industries’ P/E ratio peer ranges, pointing to unusually expensive trailing earnings relative to peers.
AJG
Insurance industry group
42.99
- AJG
- 42.99
- Max
- 28.37
- Q3
- 18.75
- 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)
Unum (UNM) at 0.95 prices around its industry’s typical P/S ratio, while Arthur J. Gallagher (AJG) at 4.58 clears its benchmark range — AJG looks notably rich on sales.
AJG
Insurance industry group
4.58
- AJG
- 4.58
- Max
- 4.03
- Q3
- 2.25
- 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)
Unum (UNM) at 1.11 looks cheap against book in the lower P/B ratio quartile, while Arthur J. Gallagher (AJG) at 3.00 carries a premium in the upper quartile — a clear price-to-book gap.
AJG
Insurance industry group
3.00
- Max
- 5.07
- AJG
- 3.00
- Q3
- 2.79
- Median
- 1.76
- 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
Valuation Metrics
| Metric | AJG | UNM |
|---|---|---|
| P/E Ratio (TTM) | 42.99 | 52.21 |
| P/S Ratio (TTM) | 4.58 | 0.95 |
| P/B Ratio (MRQ) | 3.00 | 1.11 |
| Free Cash Flow Yield (TTM) | -- | -- |