BRO vs. UNM: Brown & Brown vs. Unum Stock Comparison
How do Brown & Brown (BRO) 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
Brown & Brown (BRO) and Unum (UNM) both belong to the Insurance industry, though BRO is classified under Insurance Brokers while UNM falls under Life & Health Insurance.
| Profile Item | BRO | UNM |
|---|---|---|
| Name | Brown & Brown 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 | Insurance Brokers | Life & Health Insurance |
| Market Capitalization | 23.92 billion USD | 11.89 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | February 11, 1981 | November 6, 1986 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | BRO | UNM |
|---|---|---|
| Total Return (1Y) | -8.59% | 4.52% |
| Total Return (3Y, Annualized) | 0.40% | 25.65% |
| Total Return (5Y, Annualized) | 3.19% | 29.12% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | BRO | UNM |
|---|---|---|
| Volatility (1Y, Annualized) | 32.50% | 29.31% |
| Beta (5Y) | 0.51 | 0.28 |
| Max Drawdown (5Y) | -55.85% | -23.00% |
| Avg. Volume (3M) | 2.25M | 1.86M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | BRO | UNM |
|---|---|---|
| Sharpe Ratio (1Y) | -0.40 | 0.01 |
| Sortino Ratio (1Y) | -0.57 | 0.01 |
Profitability
ROE (TTM)
Brown & Brown (BRO) at 9.80% is around its peer norm for ROE, while Unum (UNM) at 2.25% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.
BRO
Insurance industry group
9.80%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- BRO
- 9.80%
- 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%
Net Margin (TTM)
Brown & Brown (BRO) at 17.88% keeps a top-quartile share of each sales dollar as profit, while Unum (UNM) at 1.94% keeps a bottom-quartile share.
BRO
Insurance industry group
17.88%
- Max
- 29.92%
- BRO
- 17.88%
- 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%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Brown & Brown (BRO) 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 | BRO | UNM |
|---|---|---|
| ROE (TTM) | 9.80% | 2.25% |
| ROA (TTM) | 3.89% | 0.51% |
| Net Margin (TTM) | 17.88% | 1.94% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Brown & Brown (BRO) at 22.49% 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.
EPS Growth
Brown & Brown (BRO) at -8.67% 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 | BRO | UNM |
|---|---|---|
| Revenue Growth (YoY) | 22.49% | 1.52% |
| Revenue Growth (3Y CAGR) | 17.38% | 3.02% |
| EPS Growth (YoY) | -8.67% | -54.86% |
| EPS Growth (3Y CAGR) | 10.06% | -13.07% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Brown & Brown (BRO) 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: Brown & Brown (BRO) 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 | BRO | 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 Brown & Brown (BRO) at 0.89% pays a more typical yield — both are credible income propositions, UNM the richer one.
BRO
Insurance industry group
0.89%
- Max
- 5.12%
- Q3
- 2.15%
- Median
- 0.98%
- BRO
- 0.89%
- 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 Brown & Brown (BRO) reports 20.89%, ranking against industry peers normally.
BRO
Insurance industry group
20.89%
- Max
- 76.67%
- Q3
- 35.18%
- BRO
- 20.89%
- 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 | BRO | UNM |
|---|---|---|
| Dividend Yield (TTM) | 0.89% | 2.61% |
| Dividend Payout Ratio (TTM) | 20.89% | 128.23% |
Valuation
P/E Ratio (TTM)
Both look expensive on trailing earnings: Brown & Brown (BRO) at 22.82 sits in the richer P/E ratio quartile, and Unum (UNM) at 52.21 is richer still, above its industry range.
BRO
Insurance industry group
22.82
- Max
- 28.37
- BRO
- 22.82
- 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 is priced about in line with its industry on P/S ratio, while Brown & Brown (BRO) at 3.51 sits in the pricier quartile — BRO costs more per dollar of sales.
BRO
Insurance industry group
3.51
- Max
- 4.03
- BRO
- 3.51
- 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 sits in the lower P/B ratio quartile against book while Brown & Brown (BRO) at 1.87 is valued near its industry’s middle — UNM is cheaper on assets, though weigh it against ROE and asset quality.
BRO
Insurance industry group
1.87
- Max
- 5.07
- Q3
- 2.79
- BRO
- 1.87
- 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 | BRO | UNM |
|---|---|---|
| P/E Ratio (TTM) | 22.82 | 52.21 |
| P/S Ratio (TTM) | 3.51 | 0.95 |
| P/B Ratio (MRQ) | 1.87 | 1.11 |
| Free Cash Flow Yield (TTM) | -- | -- |