SPGI vs. UNM: A Head-to-Head Stock Comparison

Updated on August 25, 2025

Here’s a clear look at SPGI and UNM, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

Symbol	SPGI	UNM
Company Name	S&P Global Inc.	Unum Group
Country	United States	United States
GICS Sector	Financials	Financials
GICS Industry	Capital Markets	Insurance
Market Capitalization	169.95 billion USD	11.83 billion USD
Exchange	NYSE	NYSE
Listing Date	February 21, 1973	November 6, 1986
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of SPGI and UNM by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

SPGI vs. UNM: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	SPGI	UNM
5-Day Price Return	0.99%	-2.03%
13-Week Price Return	9.09%	-15.47%
26-Week Price Return	2.37%	-7.94%
52-Week Price Return	11.56%	27.38%
Month-to-Date Return	1.01%	-3.29%
Year-to-Date Return	11.77%	-4.90%
10-Day Avg. Volume	1.07M	1.29M
3-Month Avg. Volume	1.15M	1.35M
3-Month Volatility	16.73%	31.72%
Beta	1.23	0.37

Profitability

Return on Equity (TTM)

SPGI

11.98%

Capital Markets Industry

Max: 38.97%
Q3: 21.61%
Median: 13.77%
Q1: 8.31%
Min: -4.25%

SPGI’s Return on Equity of 11.98% is on par with the norm for the Capital Markets industry, indicating its profitability relative to shareholder equity is typical for the sector.

UNM

13.67%

Insurance Industry

Max: 29.03%
Q3: 18.11%
Median: 13.90%
Q1: 10.42%
Min: -0.64%

UNM’s Return on Equity of 13.67% is on par with the norm for the Insurance industry, indicating its profitability relative to shareholder equity is typical for the sector.

SPGI vs. UNM: A comparison of their Return on Equity (TTM) against their respective Capital Markets and Insurance industry benchmarks.

Net Profit Margin (TTM)

SPGI

27.30%

Capital Markets Industry

Max: 66.67%
Q3: 35.11%
Median: 23.49%
Q1: 13.63%
Min: -15.18%

SPGI’s Net Profit Margin of 27.30% is aligned with the median group of its peers in the Capital Markets industry. This indicates its ability to convert revenue into profit is typical for the sector.

UNM

11.77%

Insurance Industry

Max: 26.78%
Q3: 14.06%
Median: 9.15%
Q1: 5.48%
Min: -7.05%

UNM’s Net Profit Margin of 11.77% is aligned with the median group of its peers in the Insurance industry. This indicates its ability to convert revenue into profit is typical for the sector.

SPGI vs. UNM: A comparison of their Net Profit Margin (TTM) against their respective Capital Markets and Insurance industry benchmarks.

Operating Profit Margin (TTM)

SPGI

39.95%

Capital Markets Industry

Max: 86.40%
Q3: 46.46%
Median: 32.80%
Q1: 18.32%
Min: -21.87%

SPGI’s Operating Profit Margin of 39.95% is around the midpoint for the Capital Markets industry, indicating that its efficiency in managing core business operations is typical for the sector.

UNM

16.48%

Insurance Industry

Max: 35.49%
Q3: 19.49%
Median: 14.35%
Q1: 8.53%
Min: -5.25%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

SPGI vs. UNM: A comparison of their Operating Profit Margin (TTM) against their respective Capital Markets and Insurance industry benchmarks.

Profitability at a Glance

Symbol	SPGI	UNM
Return on Equity (TTM)	11.98%	13.67%
Return on Assets (TTM)	6.66%	2.42%
Net Profit Margin (TTM)	27.30%	11.77%
Operating Profit Margin (TTM)	39.95%	16.48%
Gross Profit Margin (TTM)	62.19%	--

Financial Strength

Current Ratio (MRQ)

SPGI

0.98

Capital Markets Industry

Max: 3.76
Q3: 1.89
Median: 1.01
Q1: 0.54
Min: -0.41

For the Capital Markets industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

UNM

Insurance Industry

Max: 2.97
Q3: 1.33
Median: 0.55
Q1: 0.15
Min: 0.00

For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

SPGI vs. UNM: A comparison of their Current Ratio (MRQ) against their respective Capital Markets and Insurance industry benchmarks.

Debt-to-Equity Ratio (MRQ)

SPGI

0.34

Capital Markets Industry

Max: 6.62
Q3: 2.84
Median: 1.02
Q1: 0.32
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Capital Markets industry.

UNM

0.33

Insurance Industry

Max: 1.25
Q3: 0.65
Median: 0.34
Q1: 0.22
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.

SPGI vs. UNM: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Capital Markets and Insurance industry benchmarks.

Interest Coverage Ratio (TTM)

SPGI

21.98

Capital Markets Industry

Max: 126.03
Q3: 60.98
Median: 11.77
Q1: 4.95
Min: -36.26

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Capital Markets industry.

UNM

12.19

Insurance Industry

Max: 43.68
Q3: 20.84
Median: 9.56
Q1: 3.34
Min: -5.73

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.

SPGI vs. UNM: A comparison of their Interest Coverage Ratio (TTM) against their respective Capital Markets and Insurance industry benchmarks.

Financial Strength at a Glance

Symbol	SPGI	UNM
Current Ratio (MRQ)	0.98	--
Quick Ratio (MRQ)	0.98	--
Debt-to-Equity Ratio (MRQ)	0.34	0.33
Interest Coverage Ratio (TTM)	21.98	12.19

Growth

Revenue Growth

SPGI vs. UNM: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

SPGI vs. UNM: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

SPGI

0.68%

Capital Markets Industry

Max: 10.26%
Q3: 4.86%
Median: 2.78%
Q1: 1.22%
Min: 0.00%

SPGI’s Dividend Yield of 0.68% is in the lower quartile for the Capital Markets industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

UNM

2.58%

Insurance Industry

Max: 8.23%
Q3: 4.54%
Median: 3.42%
Q1: 1.97%
Min: 0.00%

UNM’s Dividend Yield of 2.58% is consistent with its peers in the Insurance industry, providing a dividend return that is standard for its sector.

SPGI vs. UNM: A comparison of their Dividend Yield (TTM) against their respective Capital Markets and Insurance industry benchmarks.

Dividend Payout Ratio (TTM)

SPGI

28.68%

Capital Markets Industry

Max: 200.72%
Q3: 101.92%
Median: 57.97%
Q1: 32.36%
Min: 0.00%

SPGI’s Dividend Payout Ratio of 28.68% is in the lower quartile for the Capital Markets industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

UNM

20.11%

Insurance Industry

Max: 168.02%
Q3: 85.57%
Median: 50.71%
Q1: 22.04%
Min: 0.00%

UNM’s Dividend Payout Ratio of 20.11% is in the lower quartile for the Insurance industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

SPGI vs. UNM: A comparison of their Dividend Payout Ratio (TTM) against their respective Capital Markets and Insurance industry benchmarks.

Dividend at a Glance

Symbol	SPGI	UNM
Dividend Yield (TTM)	0.68%	2.58%
Dividend Payout Ratio (TTM)	28.68%	20.11%

Valuation

Price-to-Earnings Ratio (TTM)

SPGI

42.37

Capital Markets Industry

Max: 58.89
Q3: 31.00
Median: 18.54
Q1: 12.09
Min: 5.24

A P/E Ratio of 42.37 places SPGI in the upper quartile for the Capital Markets industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

UNM

7.79

Insurance Industry

Max: 28.91
Q3: 17.76
Median: 13.63
Q1: 10.02
Min: 2.89

In the lower quartile for the Insurance industry, UNM’s P/E Ratio of 7.79 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

SPGI vs. UNM: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Capital Markets and Insurance industry benchmarks.

Price-to-Sales Ratio (TTM)

SPGI

11.57

Capital Markets Industry

Max: 14.49
Q3: 7.41
Median: 4.68
Q1: 2.25
Min: 0.04

SPGI’s P/S Ratio of 11.57 is in the upper echelon for the Capital Markets industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.

UNM

0.92

Insurance Industry

Max: 3.72
Q3: 1.98
Median: 1.23
Q1: 0.81
Min: 0.23

UNM’s P/S Ratio of 0.92 aligns with the market consensus for the Insurance industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

SPGI vs. UNM: A comparison of their Price-to-Sales Ratio (TTM) against their respective Capital Markets and Insurance industry benchmarks.

Price-to-Book Ratio (MRQ)

SPGI

4.83

Capital Markets Industry

Max: 9.48
Q3: 4.94
Median: 2.42
Q1: 1.21
Min: 0.38

SPGI’s P/B Ratio of 4.83 is within the conventional range for the Capital Markets industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

UNM

1.24

Insurance Industry

Max: 4.37
Q3: 2.48
Median: 1.68
Q1: 1.19
Min: 0.19

UNM’s P/B Ratio of 1.24 is within the conventional range for the Insurance industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

SPGI vs. UNM: A comparison of their Price-to-Book Ratio (MRQ) against their respective Capital Markets and Insurance industry benchmarks.

Valuation at a Glance

Symbol	SPGI	UNM
Price-to-Earnings Ratio (TTM)	42.37	7.79
Price-to-Sales Ratio (TTM)	11.57	0.92
Price-to-Book Ratio (MRQ)	4.83	1.24
Price-to-Free Cash Flow Ratio (TTM)	31.40	8.19