Seek Returns

AON vs. UNM: Aon vs. Unum Stock Comparison

How do Aon (AON) 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

Aon (AON) and Unum (UNM) both belong to the Insurance industry, though AON is classified under Insurance Brokers while UNM falls under Life & Health Insurance.

Company profile comparison for Aon (AON) and Unum (UNM)
Profile ItemAONUNM
NameAon plc Class AUnum Group
Country/RegionIrelandUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupInsuranceInsurance
GICS IndustryInsuranceInsurance
GICS Sub-IndustryInsurance BrokersLife & Health Insurance
Market Capitalization71.03 billion USD11.89 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateJune 2, 1980November 6, 1986
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

AON
UNM
GSPC
Loading price history…
Aon (AON) 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

Loading price history…
Trailing total returns for Aon (AON) and Unum (UNM). Returns over one year are annualized.

Calendar-Year Returns

Loading price history…
Calendar-year total returns for Aon (AON) and Unum (UNM). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Aon (AON) and Unum (UNM)
MetricAONUNM
Total Return (1Y)-1.97%4.52%
Total Return (3Y, Annualized)1.25%25.65%
Total Return (5Y, Annualized)3.28%29.12%

Risk Profile

Drawdown History

AON
UNM
GSPC
Loading price history…
Aon (AON) 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

Loading price history…
Distribution of monthly total returns for Aon (AON) and Unum (UNM). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Aon (AON) and Unum (UNM)
MetricAONUNM
Volatility (1Y, Annualized)29.20%29.31%
Beta (5Y)0.600.28
Max Drawdown (5Y)-33.57%-23.00%
Avg. Volume (3M)1.64M1.86M

Risk-Adjusted Performance

Risk-Return Positioning

Loading chart…
AON 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 Aon (AON) and Unum (UNM)
MetricAONUNM
Sharpe Ratio (1Y)-0.210.01
Sortino Ratio (1Y)-0.290.01

Profitability

ROE (TTM)

Aon (AON) at 43.38% delivers above-range ROE, while Unum (UNM) at 2.25% falls into the bottom quartile — a wide split in profit generated from equity.

AON

Insurance industry group

43.38%

AON
43.38%
Max
41.68%
Q3
22.04%
Median
14.81%
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%
Loading chart…
Aon (AON) vs. Unum (UNM): A comparison of their ROE against the Insurance industry group benchmark.

Net Margin (TTM)

Aon (AON) at 22.24% keeps a top-quartile share of each sales dollar as profit, while Unum (UNM) at 1.94% keeps a bottom-quartile share.

AON

Insurance industry group

22.24%

Max
29.92%
AON
22.24%
Q3
17.03%
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%
Loading chart…
Aon (AON) 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 Aon (AON) 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 Aon (AON) and Unum (UNM)
MetricAONUNM
ROE (TTM)43.38%2.25%
ROA (TTM)5.45%0.51%
Net Margin (TTM)22.24%1.94%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

Aon (AON) at 9.45% 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.

Loading chart…
Aon (AON) vs. Unum (UNM): A comparison of their Revenue Growth across different time periods.

EPS Growth

Aon (AON) at 36.27% is around its peer norm for EPS growth, while Unum (UNM) at -54.86% drops into the bottom quartile, signaling weaker earnings momentum.

Loading chart…
Aon (AON) vs. Unum (UNM): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Aon (AON) and Unum (UNM)
MetricAONUNM
Revenue Growth (YoY)9.45%1.52%
Revenue Growth (3Y CAGR)11.25%3.02%
EPS Growth (YoY)36.27%-54.86%
EPS Growth (3Y CAGR)11.92%-13.07%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Aon (AON) 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: Aon (AON) 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 Aon (AON) and Unum (UNM)
MetricAONUNM
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 Aon (AON) at 0.91% pays a more typical yield — both are credible income propositions, UNM the richer one.

AON

Insurance industry group

0.91%

Max
5.12%
Q3
2.15%
Median
0.98%
AON
0.91%
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%
Loading chart…
Aon (AON) 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 Aon (AON) reports 17.13%, ranking against industry peers normally.

AON

Insurance industry group

17.13%

Max
76.67%
Q3
35.18%
AON
17.13%
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%
Loading chart…
Aon (AON) vs. Unum (UNM): A comparison of their payout ratio against the Insurance industry group benchmark.

Dividend Metrics

Dividend metrics for Aon (AON) and Unum (UNM)
MetricAONUNM
Dividend Yield (TTM)0.91%2.61%
Dividend Payout Ratio (TTM)17.13%128.23%

Valuation

P/E Ratio (TTM)

Aon (AON) at 18.33 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.

AON

Insurance industry group

18.33

Max
28.37
Q3
18.75
AON
18.33
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
Loading chart…
Aon (AON) vs. Unum (UNM): A comparison of their P/E ratio against the Insurance industry group benchmark.

P/S Ratio (TTM)

Unum (UNM) at 0.95 is priced about in line with its industry on P/S ratio, while Aon (AON) at 4.02 sits in the pricier quartile — AON costs more per dollar of sales.

AON

Insurance industry group

4.02

Max
4.03
AON
4.02
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
Loading chart…
Aon (AON) 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 relative to book while Aon (AON) at 7.03 prices above its industry range — a wide valuation gap against assets.

AON

Insurance industry group

7.03

AON
7.03
Max
5.07
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
Loading chart…
Aon (AON) vs. Unum (UNM): A comparison of their P/B ratio against the Insurance industry group benchmark.

Valuation Metrics

Valuation metrics for Aon (AON) and Unum (UNM)
MetricAONUNM
P/E Ratio (TTM)18.3352.21
P/S Ratio (TTM)4.020.95
P/B Ratio (MRQ)7.031.11
Free Cash Flow Yield (TTM)----