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UNM vs. WRB: Unum vs. W. R. Berkley Stock Comparison

How do Unum (UNM) and W. R. Berkley (WRB) 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

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

Company profile comparison for Unum (UNM) and W. R. Berkley (WRB)
Profile ItemUNMWRB
NameUnum GroupW. R. Berkley Corporation
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupInsuranceInsurance
GICS IndustryInsuranceInsurance
GICS Sub-IndustryLife & Health InsuranceProperty & Casualty Insurance
Market Capitalization11.89 billion USD27.95 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateNovember 6, 1986October 23, 1973
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

UNM
WRB
GSPC
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Unum (UNM) vs. W. R. Berkley (WRB), 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 Unum (UNM) and W. R. Berkley (WRB). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Unum (UNM) and W. R. Berkley (WRB). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Unum (UNM) and W. R. Berkley (WRB)
MetricUNMWRB
Total Return (1Y)4.52%4.12%
Total Return (3Y, Annualized)25.65%21.96%
Total Return (5Y, Annualized)29.12%18.80%

Risk Profile

Drawdown History

UNM
WRB
GSPC
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Unum (UNM) vs. W. R. Berkley (WRB), 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 Unum (UNM) and W. R. Berkley (WRB). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Unum (UNM) and W. R. Berkley (WRB)
MetricUNMWRB
Volatility (1Y, Annualized)29.31%22.41%
Beta (5Y)0.280.21
Max Drawdown (5Y)-23.00%-26.29%
Avg. Volume (3M)1.86M2.52M

Risk-Adjusted Performance

Risk-Return Positioning

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UNM and WRB 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 Unum (UNM) and W. R. Berkley (WRB)
MetricUNMWRB
Sharpe Ratio (1Y)0.01-0.01
Sortino Ratio (1Y)0.01-0.01

Profitability

ROE (TTM)

W. R. Berkley (WRB) at 19.26% is around its peer norm for ROE, while Unum (UNM) at 2.25% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

UNM

Insurance industry group

2.25%

Max
41.68%
Q3
22.04%
Median
14.81%
Q1
8.79%
UNM
2.25%
Min
-10.66%

WRB

Insurance industry group

19.26%

Max
41.68%
Q3
22.04%
WRB
19.26%
Median
14.81%
Q1
8.79%
Min
-10.66%
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Unum (UNM) vs. W. R. Berkley (WRB): A comparison of their ROE against the Insurance industry group benchmark.

Net Margin (TTM)

W. R. Berkley (WRB) at 12.53% keeps about the industry-typical share of revenue as profit, while Unum (UNM) at 1.94% retains only a bottom-quartile share.

UNM

Insurance industry group

1.94%

Max
29.92%
Q3
17.03%
Median
10.97%
Q1
6.21%
UNM
1.94%
Min
-4.68%

WRB

Insurance industry group

12.53%

Max
29.92%
Q3
17.03%
WRB
12.53%
Median
10.97%
Q1
6.21%
Min
-4.68%
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Unum (UNM) vs. W. R. Berkley (WRB): A comparison of their net margin against the Insurance industry group benchmark.

Operating Margin (TTM)

Neither side reports a meaningful operating margin: for Unum (UNM) in Insurance and W. R. Berkley (WRB) 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 Unum (UNM) and W. R. Berkley (WRB)
MetricUNMWRB
ROE (TTM)2.25%19.26%
ROA (TTM)0.51%3.43%
Net Margin (TTM)1.94%12.53%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

W. R. Berkley (WRB) at 6.93% 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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Unum (UNM) vs. W. R. Berkley (WRB): A comparison of their Revenue Growth across different time periods.

EPS Growth

W. R. Berkley (WRB) at 2.06% 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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Unum (UNM) vs. W. R. Berkley (WRB): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Unum (UNM) and W. R. Berkley (WRB)
MetricUNMWRB
Revenue Growth (YoY)1.52%6.93%
Revenue Growth (3Y CAGR)3.02%9.28%
EPS Growth (YoY)-54.86%2.06%
EPS Growth (3Y CAGR)-13.07%10.55%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Unum (UNM) in Insurance and W. R. Berkley (WRB) 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: Unum (UNM) in Insurance and W. R. Berkley (WRB) 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 Unum (UNM) and W. R. Berkley (WRB)
MetricUNMWRB
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 W. R. Berkley (WRB) at 0.49% pays a more typical yield — both are credible income propositions, UNM the richer one.

UNM

Insurance industry group

2.61%

Max
5.12%
UNM
2.61%
Q3
2.15%
Median
0.98%
Q1
0.00%
Min
0.00%

WRB

Insurance industry group

0.49%

Max
5.12%
Q3
2.15%
Median
0.98%
WRB
0.49%
Q1
0.00%
Min
0.00%
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Unum (UNM) vs. W. R. Berkley (WRB): 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 W. R. Berkley (WRB) reports 8.03%, ranking against industry peers normally.

UNM

Insurance industry group

128.23%

UNM
128.23%
Max
76.67%
Q3
35.18%
Median
14.74%
Q1
0.00%
Min
0.00%

WRB

Insurance industry group

8.03%

Max
76.67%
Q3
35.18%
Median
14.74%
WRB
8.03%
Q1
0.00%
Min
0.00%
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Unum (UNM) vs. W. R. Berkley (WRB): A comparison of their payout ratio against the Insurance industry group benchmark.

Dividend Metrics

Dividend metrics for Unum (UNM) and W. R. Berkley (WRB)
MetricUNMWRB
Dividend Yield (TTM)2.61%0.49%
Dividend Payout Ratio (TTM)128.23%8.03%

Valuation

P/E Ratio (TTM)

W. R. Berkley (WRB) at 15.90 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.

UNM

Insurance industry group

52.21

UNM
52.21
Max
28.37
Q3
18.75
Median
12.23
Q1
9.08
Min
2.32

WRB

Insurance industry group

15.90

Max
28.37
Q3
18.75
WRB
15.90
Median
12.23
Q1
9.08
Min
2.32
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Unum (UNM) vs. W. R. Berkley (WRB): A comparison of their P/E ratio against the Insurance industry group benchmark.

P/S Ratio (TTM)

On P/S ratio, both Unum (UNM) at 0.95 and W. R. Berkley (WRB) at 1.88 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

UNM

Insurance industry group

0.95

Max
4.03
Q3
2.25
Median
1.23
UNM
0.95
Q1
0.85
Min
0.07

WRB

Insurance industry group

1.88

Max
4.03
Q3
2.25
WRB
1.88
Median
1.23
Q1
0.85
Min
0.07
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Unum (UNM) vs. W. R. Berkley (WRB): A comparison of their P/S ratio against the Insurance industry group benchmark.

P/B Ratio (MRQ)

Unum (UNM) at 1.11 looks cheap against book in the lower P/B ratio quartile, while W. R. Berkley (WRB) at 3.04 carries a premium in the upper quartile — a clear price-to-book gap.

UNM

Insurance industry group

1.11

Max
5.07
Q3
2.79
Median
1.76
Q1
1.23
UNM
1.11
Min
0.30

WRB

Insurance industry group

3.04

Max
5.07
WRB
3.04
Q3
2.79
Median
1.76
Q1
1.23
Min
0.30
Loading chart…
Unum (UNM) vs. W. R. Berkley (WRB): A comparison of their P/B ratio against the Insurance industry group benchmark.

Valuation Metrics

Valuation metrics for Unum (UNM) and W. R. Berkley (WRB)
MetricUNMWRB
P/E Ratio (TTM)52.2115.90
P/S Ratio (TTM)0.951.88
P/B Ratio (MRQ)1.113.04
Free Cash Flow Yield (TTM)----