AIZ vs. UNM
AIZ (Assurant, Inc.) and UNM (Unum Group) are both stocks. Both are in the Financial Services sector — AIZ in Insurance - Specialty, UNM in Insurance - Life. Over the past 10 years, AIZ returned 13.46%/yr vs 12.49%/yr for UNM. A 0.54 correlation means they provide meaningful diversification when combined.
Performance
AIZ vs. UNM - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, AIZ achieves a 3.56% return, which is significantly lower than UNM's 9.05% return. Over the past 10 years, AIZ has outperformed UNM with an annualized return of 13.46%, while UNM has yielded a comparatively lower 12.49% annualized return.
AIZ
- 1D
- -0.02%
- 1M
- 8.42%
- YTD
- 3.56%
- 6M
- 12.19%
- 1Y
- 22.59%
- 3Y*
- 28.14%
- 5Y*
- 10.56%
- 10Y*
- 13.46%
UNM
- 1D
- -0.78%
- 1M
- 4.08%
- YTD
- 9.05%
- 6M
- 14.91%
- 1Y
- 4.12%
- 3Y*
- 26.28%
- 5Y*
- 25.44%
- 10Y*
- 12.49%
AIZ vs. UNM - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
AIZ Assurant, Inc. | 3.56% | 14.69% | 28.55% | 37.52% | -18.34% | 16.46% | 6.09% | 49.78% | -9.18% | 10.98% |
UNM Unum Group | 9.05% | 8.56% | 66.31% | 13.72% | 73.56% | 11.87% | -16.22% | 2.63% | -45.22% | 27.19% |
Correlation
The correlation between AIZ and UNM is 0.50, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.50 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.50 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.50 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.54 |
Correlation (All Time) Calculated using the full available price history since Feb 6, 2004 | 0.54 |
The correlation between AIZ and UNM has been stable across timeframes, ranging from 0.50 to 0.54 - a consistent structural relationship.
Fundamentals
AIZ:
$12.47B
UNM:
$13.73B
AIZ:
$19.68
UNM:
$4.61
AIZ:
12.62
UNM:
18.10
AIZ:
0.40
UNM:
1.27
AIZ:
0.96
UNM:
1.06
AIZ:
2.12
UNM:
1.26
AIZ:
$13.16B
UNM:
$13.30B
AIZ:
$10.24B
UNM:
$4.51B
AIZ:
$1.52B
UNM:
$1.24B
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
AIZ vs. UNM — Risk / Return Rank
AIZ
UNM
AIZ vs. UNM - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Assurant, Inc. (AIZ) and Unum Group (UNM). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| AIZ | UNM | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.76 | ||
| Sortino ratioReturn per unit of downside risk | +1.05 | ||
| Omega ratioGain probability vs. loss probability | 1.20 | 1.06 | +0.14 |
| Calmar ratioReturn relative to maximum drawdown | 1.80 | 0.26 | +1.55 |
| Martin ratioReturn relative to average drawdown | 4.43 | 0.56 | +3.87 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Loading charts...
Sharpe Ratios by Period
| AIZ | UNM | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.93 | 0.17 | +0.76 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.42 | 0.85 | -0.42 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.50 | 0.33 | +0.17 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.41 | 0.23 | +0.18 |
Drawdowns
AIZ vs. UNM - Drawdown Comparison
The maximum AIZ drawdown since its inception was -81.62%, smaller than the maximum UNM drawdown of -89.38%. Use the drawdown chart below to compare losses from any high point for AIZ and UNM.
Loading charts...
Drawdown Indicators
| AIZ | UNM | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -81.62% | -89.38% | +7.76% |
Max Drawdown (1Y)Largest decline over 1 year | -12.57% | -16.04% | +3.47% |
Max Drawdown (3Y)Largest decline over 3 years | -20.83% | -17.94% | -2.89% |
Max Drawdown (5Y)Largest decline over 5 years | -44.63% | -28.28% | -16.35% |
Max Drawdown (10Y)Largest decline over 10 years | -44.63% | -81.06% | +36.43% |
Current DrawdownCurrent decline from peak | -3.78% | -1.19% | -2.59% |
Average DrawdownAverage peak-to-trough decline | -16.12% | -32.69% | +16.57% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 5.27% | 7.39% | -2.12% |
Volatility
AIZ vs. UNM - Volatility Comparison
Assurant, Inc. (AIZ) has a higher volatility of 6.97% compared to Unum Group (UNM) at 4.01%. This indicates that AIZ's price experiences larger fluctuations and is considered to be riskier than UNM based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| AIZ | UNM | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.97% | 4.01% | +2.96% |
Volatility (6M)Calculated over the trailing 6-month period | 16.87% | 14.76% | +2.11% |
Volatility (1Y)Calculated over the trailing 1-year period | 24.43% | 24.67% | -0.24% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 25.06% | 30.21% | -5.15% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 26.88% | 37.62% | -10.74% |
Dividends
AIZ vs. UNM - Dividend Comparison
AIZ's dividend yield for the trailing twelve months is around 1.35%, less than UNM's 2.20% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
AIZ Assurant, Inc. | 1.35% | 1.36% | 1.39% | 1.67% | 2.19% | 1.71% | 1.87% | 1.85% | 2.55% | 2.13% | 2.19% | 1.70% |
UNM Unum Group | 2.20% | 2.27% | 2.15% | 3.07% | 3.07% | 4.76% | 4.97% | 3.74% | 3.34% | 1.57% | 1.75% | 2.10% |
Financials
AIZ vs. UNM - Financials Comparison
This section allows you to compare key financial metrics between Assurant, Inc. and Unum Group. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
AIZ vs. UNM - Profitability Comparison
AIZ - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Assurant, Inc. reported a gross profit of 2.65B and revenue of 3.42B. Therefore, the gross margin over that period was 77.5%.
UNM - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Unum Group reported a gross profit of 1.35B and revenue of 3.36B. Therefore, the gross margin over that period was 40.3%.
AIZ - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Assurant, Inc. reported an operating income of 335.60M and revenue of 3.42B, resulting in an operating margin of 9.8%.
UNM - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Unum Group reported an operating income of 302.70M and revenue of 3.36B, resulting in an operating margin of 9.0%.
AIZ - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Assurant, Inc. reported a net income of 274.10M and revenue of 3.42B, resulting in a net margin of 8.0%.
UNM - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Unum Group reported a net income of 232.00M and revenue of 3.36B, resulting in a net margin of 6.9%.
Frequently Asked Questions
AIZ and UNM have a correlation of 0.50, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
AIZ has higher volatility (6.97%) compared to UNM (4.01%). In terms of maximum drawdown, AIZ dropped -81.62% vs UNM's -89.38%.
AIZ currently has the higher Sharpe Ratio (0.93 vs 0.17), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
Find the right allocation for AIZ and UNM
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer