FNF vs. UNM: Fidelity National Financial vs. Unum Stock Comparison
How do Fidelity National Financial (FNF) 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
Fidelity National Financial (FNF) and Unum (UNM) both belong to the Insurance industry, though FNF is classified under Property & Casualty Insurance while UNM falls under Life & Health Insurance.
| Profile Item | FNF | UNM |
|---|---|---|
| Name | Fidelity National Financial, 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 | Property & Casualty Insurance | Life & Health Insurance |
| Market Capitalization | 11.76 billion USD | 11.89 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | October 14, 2005 | November 6, 1986 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | FNF | UNM |
|---|---|---|
| Total Return (1Y) | -16.26% | 4.52% |
| Total Return (3Y, Annualized) | 5.52% | 25.65% |
| Total Return (5Y, Annualized) | 2.84% | 29.12% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | FNF | UNM |
|---|---|---|
| Volatility (1Y, Annualized) | 27.95% | 29.31% |
| Beta (5Y) | 0.91 | 0.28 |
| Max Drawdown (5Y) | -36.69% | -23.00% |
| Avg. Volume (3M) | 2.46M | 1.86M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | FNF | UNM |
|---|---|---|
| Sharpe Ratio (1Y) | -0.73 | 0.01 |
| Sortino Ratio (1Y) | -1.00 | 0.01 |
Profitability
ROE (TTM)
Fidelity National Financial (FNF) at 15.10% is around its peer norm for ROE, while Unum (UNM) at 2.25% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.
FNF
Insurance industry group
15.10%
- Max
- 41.68%
- Q3
- 22.04%
- FNF
- 15.10%
- 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%
Net Margin (TTM)
Fidelity National Financial (FNF) at 7.00% keeps about the industry-typical share of revenue as profit, while Unum (UNM) at 1.94% retains only a bottom-quartile share.
FNF
Insurance industry group
7.00%
- Max
- 29.92%
- Q3
- 17.03%
- Median
- 10.97%
- FNF
- 7.00%
- 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 Fidelity National Financial (FNF) 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 | FNF | UNM |
|---|---|---|
| ROE (TTM) | 15.10% | 2.25% |
| ROA (TTM) | 1.54% | 0.51% |
| Net Margin (TTM) | 7.00% | 1.94% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Fidelity National Financial (FNF) at 5.88% 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
Both Fidelity National Financial (FNF) at -52.47% and Unum (UNM) at -54.86% post bottom-quartile EPS growth versus peers, pointing to weaker earnings momentum than typical rivals.
Growth Metrics
| Metric | FNF | UNM |
|---|---|---|
| Revenue Growth (YoY) | 5.88% | 1.52% |
| Revenue Growth (3Y CAGR) | 7.27% | 3.02% |
| EPS Growth (YoY) | -52.47% | -54.86% |
| EPS Growth (3Y CAGR) | -18.62% | -13.07% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Fidelity National Financial (FNF) 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: Fidelity National Financial (FNF) 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 | FNF | UNM |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Fidelity National Financial (FNF) at 4.85% and Unum (UNM) at 2.61% offer top-quartile dividend income relative to share price within their industries.
FNF
Insurance industry group
4.85%
- Max
- 5.12%
- FNF
- 4.85%
- 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 Fidelity National Financial (FNF) reports 53.20%, ranking against industry peers normally.
FNF
Insurance industry group
53.20%
- Max
- 76.67%
- FNF
- 53.20%
- 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 | FNF | UNM |
|---|---|---|
| Dividend Yield (TTM) | 4.85% | 2.61% |
| Dividend Payout Ratio (TTM) | 53.20% | 128.23% |
Valuation
P/E Ratio (TTM)
Fidelity National Financial (FNF) at 11.21 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.
FNF
Insurance industry group
11.21
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- FNF
- 11.21
- 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)
Fidelity National Financial (FNF) at 0.79 sits in the cheaper P/S ratio quartile while Unum (UNM) at 0.95 prices around its industry’s middle — FNF costs less per dollar of sales, though read it alongside growth and margins.
FNF
Insurance industry group
0.79
- Max
- 4.03
- Q3
- 2.25
- Median
- 1.23
- Q1
- 0.85
- FNF
- 0.79
- 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 Fidelity National Financial (FNF) at 1.59 is valued near its industry’s middle — UNM is cheaper on assets, though weigh it against ROE and asset quality.
FNF
Insurance industry group
1.59
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- FNF
- 1.59
- 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 | FNF | UNM |
|---|---|---|
| P/E Ratio (TTM) | 11.21 | 52.21 |
| P/S Ratio (TTM) | 0.79 | 0.95 |
| P/B Ratio (MRQ) | 1.59 | 1.11 |
| Free Cash Flow Yield (TTM) | -- | -- |