BNT vs. UNM: Brookfield Wealth vs. Unum Stock Comparison

Company Profile

Brookfield Wealth (BNT) 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) has more than two decades of public-market history since November 6, 1986, whereas Brookfield Wealth (BNT) listed on June 28, 2021 and has a much shorter record to draw on.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Brookfield Wealth (BNT) has an aggressive beta of 1.57, indicating higher sensitivity to broad-market moves, while Unum (UNM) is defensive at 0.28 and tends to be less market-sensitive — they sit on opposite ends of the beta spectrum.

Unum (UNM) trades around 1.86M shares per day on average, while Brookfield Wealth (BNT) sees only 15.15K — a volume gap that can matter for position sizing, exit liquidity, and order execution.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both Brookfield Wealth (BNT) at 1.05% and Unum (UNM) at 2.25% produce bottom-quartile ROE versus peers, pointing to weaker profit generation on shareholders’ equity.

Both Brookfield Wealth (BNT) at 1.06% and Unum (UNM) at 1.94% let more of each sales dollar slip away before the bottom line than peers do, sitting in the lower net margin quartile of their industries.

Neither side reports a meaningful operating margin: for Brookfield Wealth (BNT) 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

Growth

Both Brookfield Wealth (BNT) at -20.37% and Unum (UNM) at 1.52% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.

Both Brookfield Wealth (BNT) at -53.90% and Unum (UNM) at -54.86% post bottom-quartile EPS growth versus peers, pointing to weaker earnings momentum than typical rivals.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Brookfield Wealth (BNT) 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-to-equity ratio is set aside for both: Brookfield Wealth (BNT) 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

Dividends

Unum (UNM) at 2.61% delivers top-quartile income for its industry, while Brookfield Wealth (BNT) at 0.62% pays a more typical yield — both are credible income propositions, UNM the richer one.

Unum (UNM) reports payout ratio above 100% at 128.23%, meaning dividends exceeded current-period earnings and sustainability needs extra context. Meanwhile Brookfield Wealth (BNT) reports 30.95%, ranking against industry peers normally.

Dividend Metrics

Valuation

Both Brookfield Wealth (BNT) at 49.19 and Unum (UNM) at 52.21 trade above their industries’ P/E ratio peer ranges, pointing to unusually expensive trailing earnings relative to peers.

On P/S ratio, both Brookfield Wealth (BNT) at 0.96 and Unum (UNM) at 0.95 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

Relative to net asset value, both Brookfield Wealth (BNT) at 0.84 and Unum (UNM) at 1.11 look inexpensive, sitting in the lower P/B ratio quartile of their industries.

Valuation Metrics