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TRV vs. UNM: Travelers vs. Unum Stock Comparison

How do Travelers (TRV) 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

Travelers (TRV) and Unum (UNM) both belong to the Insurance industry, though TRV is classified under Property & Casualty Insurance while UNM falls under Life & Health Insurance.

Company profile comparison for Travelers (TRV) and Unum (UNM)
Profile ItemTRVUNM
NameThe Travelers Companies, Inc.Unum Group
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupInsuranceInsurance
GICS IndustryInsuranceInsurance
GICS Sub-IndustryProperty & Casualty InsuranceLife & Health Insurance
Market Capitalization80.98 billion USD11.89 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateNovember 17, 1975November 6, 1986
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

TRV
UNM
GSPC
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Travelers (TRV) vs. Unum (UNM), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Travelers (TRV) and Unum (UNM). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Travelers (TRV) and Unum (UNM). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Travelers (TRV) and Unum (UNM)
MetricTRVUNM
Total Return (1Y)43.06%4.52%
Total Return (3Y, Annualized)35.01%25.65%
Total Return (5Y, Annualized)22.46%29.12%

Risk Profile

Drawdown History

TRV
UNM
GSPC
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Travelers (TRV) vs. Unum (UNM), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Travelers (TRV) and Unum (UNM). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Travelers (TRV) and Unum (UNM)
MetricTRVUNM
Volatility (1Y, Annualized)20.86%29.31%
Beta (5Y)0.390.28
Max Drawdown (5Y)-18.90%-23.00%
Avg. Volume (3M)1.46M1.86M

Risk-Adjusted Performance

Risk-Return Positioning

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TRV and UNM are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Travelers (TRV) and Unum (UNM)
MetricTRVUNM
Sharpe Ratio (1Y)1.860.01
Sortino Ratio (1Y)3.160.01

Profitability

ROE (TTM)

Travelers (TRV) at 27.50% sits in the top ROE quartile, while Unum (UNM) at 2.25% is in the bottom quartile, showing a clear gap in returns on equity.

TRV

Insurance industry group

27.50%

Max
41.68%
TRV
27.50%
Q3
22.04%
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%
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Travelers (TRV) vs. Unum (UNM): A comparison of their ROE against the Insurance industry group benchmark.

Net Margin (TTM)

Travelers (TRV) at 17.03% keeps about the industry-typical share of revenue as profit, while Unum (UNM) at 1.94% retains only a bottom-quartile share.

TRV

Insurance industry group

17.03%

Max
29.92%
TRV
17.03%
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%
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Travelers (TRV) vs. Unum (UNM): A comparison of their net margin against the Insurance industry group benchmark.

Operating Margin (TTM)

Neither side reports a meaningful operating margin: for Travelers (TRV) 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

Profitability metrics for Travelers (TRV) and Unum (UNM)
MetricTRVUNM
ROE (TTM)27.50%2.25%
ROA (TTM)4.73%0.51%
Net Margin (TTM)17.03%1.94%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

Travelers (TRV) at 5.17% 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.

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Travelers (TRV) vs. Unum (UNM): A comparison of their Revenue Growth across different time periods.

EPS Growth

Travelers (TRV) at 27.76% is around its peer norm for EPS growth, while Unum (UNM) at -54.86% drops into the bottom quartile, signaling weaker earnings momentum.

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Travelers (TRV) vs. Unum (UNM): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Travelers (TRV) and Unum (UNM)
MetricTRVUNM
Revenue Growth (YoY)5.17%1.52%
Revenue Growth (3Y CAGR)9.79%3.02%
EPS Growth (YoY)27.76%-54.86%
EPS Growth (3Y CAGR)32.58%-13.07%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Travelers (TRV) 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: Travelers (TRV) 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

Financial strength metrics for Travelers (TRV) and Unum (UNM)
MetricTRVUNM
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 Travelers (TRV) at 1.17% pays a more typical yield — both are credible income propositions, UNM the richer one.

TRV

Insurance industry group

1.17%

Max
5.12%
Q3
2.15%
TRV
1.17%
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%
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Travelers (TRV) vs. Unum (UNM): A comparison of their dividend yield against the Insurance industry group benchmark.

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 Travelers (TRV) reports 12.36%, ranking against industry peers normally.

TRV

Insurance industry group

12.36%

Max
76.67%
Q3
35.18%
Median
14.74%
TRV
12.36%
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%
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Travelers (TRV) vs. Unum (UNM): A comparison of their payout ratio against the Insurance industry group benchmark.

Dividend Metrics

Dividend metrics for Travelers (TRV) and Unum (UNM)
MetricTRVUNM
Dividend Yield (TTM)1.17%2.61%
Dividend Payout Ratio (TTM)12.36%128.23%

Valuation

P/E Ratio (TTM)

Travelers (TRV) at 10.39 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.

TRV

Insurance industry group

10.39

Max
28.37
Q3
18.75
Median
12.23
TRV
10.39
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
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Travelers (TRV) vs. Unum (UNM): A comparison of their P/E ratio against the Insurance industry group benchmark.

P/S Ratio (TTM)

On P/S ratio, both Travelers (TRV) at 1.66 and Unum (UNM) at 0.95 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

TRV

Insurance industry group

1.66

Max
4.03
Q3
2.25
TRV
1.66
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
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Travelers (TRV) vs. Unum (UNM): A comparison of their P/S ratio against the Insurance industry group benchmark.

P/B Ratio (MRQ)

Unum (UNM) at 1.11 sits in the lower P/B ratio quartile against book while Travelers (TRV) at 2.79 is valued near its industry’s middle — UNM is cheaper on assets, though weigh it against ROE and asset quality.

TRV

Insurance industry group

2.79

Max
5.07
TRV
2.79
Q3
2.79
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
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Travelers (TRV) vs. Unum (UNM): A comparison of their P/B ratio against the Insurance industry group benchmark.

Valuation Metrics

Valuation metrics for Travelers (TRV) and Unum (UNM)
MetricTRVUNM
P/E Ratio (TTM)10.3952.21
P/S Ratio (TTM)1.660.95
P/B Ratio (MRQ)2.791.11
Free Cash Flow Yield (TTM)----