MFC vs. UNM: Manulife Financial vs. Unum Stock Comparison
How do Manulife Financial (MFC) 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
Manulife Financial (MFC) 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.
| Profile Item | MFC | UNM |
|---|---|---|
| Name | Manulife Financial Corporation | Unum Group |
| Country/Region | Canada | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Life & Health Insurance | Life & Health Insurance |
| Market Capitalization | 71.43 billion USD | 11.89 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | September 24, 1999 | November 6, 1986 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | MFC | UNM |
|---|---|---|
| Total Return (1Y) | 36.28% | 4.52% |
| Total Return (3Y, Annualized) | 38.35% | 25.65% |
| Total Return (5Y, Annualized) | 22.50% | 29.12% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | MFC | UNM |
|---|---|---|
| Volatility (1Y, Annualized) | 20.87% | 29.31% |
| Beta (5Y) | 0.85 | 0.28 |
| Max Drawdown (5Y) | -26.99% | -23.00% |
| Avg. Volume (3M) | 1.92M | 1.86M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | MFC | UNM |
|---|---|---|
| Sharpe Ratio (1Y) | 1.53 | 0.01 |
| Sortino Ratio (1Y) | 2.19 | 0.01 |
Profitability
ROE (TTM)
Manulife Financial (MFC) at 12.24% is around its peer norm for ROE, while Unum (UNM) at 2.25% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.
MFC
Insurance industry group
12.24%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- MFC
- 12.24%
- 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)
Manulife Financial (MFC) at 18.97% keeps a top-quartile share of each sales dollar as profit, while Unum (UNM) at 1.94% keeps a bottom-quartile share.
MFC
Insurance industry group
18.97%
- Max
- 29.92%
- MFC
- 18.97%
- 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 Manulife Financial (MFC) 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 | MFC | UNM |
|---|---|---|
| ROE (TTM) | 12.24% | 2.25% |
| ROA (TTM) | 0.59% | 0.51% |
| Net Margin (TTM) | 18.97% | 1.94% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Only one side can be read here: Unum (UNM) reports revenue growth of 1.52%, ranked against its industry; Manulife Financial (MFC) has no revenue growth figure this period.
EPS Growth
Manulife Financial (MFC) at 8.10% 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 | MFC | UNM |
|---|---|---|
| Revenue Growth (YoY) | -- | 1.52% |
| Revenue Growth (3Y CAGR) | 29.95% | 3.02% |
| EPS Growth (YoY) | 8.10% | -54.86% |
| EPS Growth (3Y CAGR) | -5.86% | -13.07% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Manulife Financial (MFC) 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: Manulife Financial (MFC) 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 | MFC | UNM |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Manulife Financial (MFC) at 4.32% and Unum (UNM) at 2.61% offer top-quartile dividend income relative to share price within their industries.
MFC
Insurance industry group
4.32%
- Max
- 5.12%
- MFC
- 4.32%
- 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 Manulife Financial (MFC) reports 54.30%, ranking against industry peers normally.
MFC
Insurance industry group
54.30%
- Max
- 76.67%
- MFC
- 54.30%
- 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 | MFC | UNM |
|---|---|---|
| Dividend Yield (TTM) | 4.32% | 2.61% |
| Dividend Payout Ratio (TTM) | 54.30% | 128.23% |
Valuation
P/E Ratio (TTM)
Manulife Financial (MFC) at 17.23 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.
MFC
Insurance industry group
17.23
- Max
- 28.37
- Q3
- 18.75
- MFC
- 17.23
- 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)
On P/S ratio, both Manulife Financial (MFC) at 2.11 and Unum (UNM) at 0.95 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
MFC
Insurance industry group
2.11
- Max
- 4.03
- Q3
- 2.25
- MFC
- 2.11
- 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 Manulife Financial (MFC) at 2.13 is valued near its industry’s middle — UNM is cheaper on assets, though weigh it against ROE and asset quality.
MFC
Insurance industry group
2.13
- Max
- 5.07
- Q3
- 2.79
- MFC
- 2.13
- 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 | MFC | UNM |
|---|---|---|
| P/E Ratio (TTM) | 17.23 | 52.21 |
| P/S Ratio (TTM) | 2.11 | 0.95 |
| P/B Ratio (MRQ) | 2.13 | 1.11 |
| Free Cash Flow Yield (TTM) | -- | -- |