DTE vs. UNM
DTE (DTE Energy Company) and UNM (Unum Group) are both stocks. DTE operates in Utilities - Regulated Electric (Utilities), while UNM operates in Insurance - Life (Financial Services). Over the past 10 years, DTE returned 9.68%/yr vs 14.63%/yr for UNM. At a 0.25 correlation, their price movements are largely independent.
Performance
DTE vs. UNM - Performance Comparison
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Returns By Period
In the year-to-date period, DTE achieves a 15.95% return, which is significantly lower than UNM's 18.29% return. Over the past 10 years, DTE has underperformed UNM with an annualized return of 9.68%, while UNM has yielded a comparatively higher 14.63% annualized return.
DTE
- 1D
- 0.30%
- 1M
- 2.13%
- YTD
- 15.95%
- 6M
- 16.56%
- 1Y
- 14.96%
- 3Y*
- 14.04%
- 5Y*
- 9.31%
- 10Y*
- 9.68%
UNM
- 1D
- 0.67%
- 1M
- 7.17%
- YTD
- 18.29%
- 6M
- 16.50%
- 1Y
- 17.00%
- 3Y*
- 28.90%
- 5Y*
- 30.60%
- 10Y*
- 14.63%
DTE vs. UNM - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
DTE DTE Energy Company | 15.95% | 10.42% | 13.49% | -2.81% | 1.23% | 19.35% | -2.86% | 21.38% | 4.21% | 14.59% |
UNM Unum Group | 18.29% | 8.56% | 66.31% | 13.72% | 73.56% | 11.87% | -16.22% | 2.63% | -45.22% | 27.19% |
Correlation
The correlation between DTE and UNM is 0.18, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.18 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.22 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.24 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.20 |
Correlation (All Time) Calculated using the full available price history since Nov 6, 1986 | 0.25 |
Fundamentals
DTE:
$30.54B
UNM:
$14.89B
DTE:
$4.92
UNM:
$4.61
DTE:
29.86
UNM:
19.63
DTE:
2.66
UNM:
1.38
DTE:
1.86
UNM:
1.15
DTE:
2.48
UNM:
1.37
DTE:
$16.33B
UNM:
$13.30B
DTE:
$9.07B
UNM:
$4.51B
DTE:
$4.15B
UNM:
$1.24B
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Return for Risk
DTE vs. UNM — Risk / Return Rank
DTE
UNM
DTE vs. UNM - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for DTE Energy Company (DTE) 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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| DTE | UNM | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.23 | ||
| Sortino ratioReturn per unit of downside risk | +0.32 | ||
| Omega ratioGain probability vs. loss probability | 1.16 | 1.15 | +0.01 |
| Calmar ratioReturn relative to maximum drawdown | 1.48 | 1.06 | +0.42 |
| Martin ratioReturn relative to average drawdown | 3.42 | 2.33 | +1.09 |
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Drawdowns
DTE vs. UNM - Drawdown Comparison
The maximum DTE drawdown since its inception was -67.92%, smaller than the maximum UNM drawdown of -89.38%. Use the drawdown chart below to compare losses from any high point for DTE and UNM.
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Drawdown Indicators
| DTE | UNM | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -67.92% | -89.38% | +21.46% |
Max Drawdown (1Y)Largest decline over 1 year | -10.13% | -16.04% | +5.91% |
Max Drawdown (3Y)Largest decline over 3 years | -17.97% | -17.94% | -0.03% |
Max Drawdown (5Y)Largest decline over 5 years | -28.93% | -21.99% | -6.94% |
Max Drawdown (10Y)Largest decline over 10 years | -42.45% | -81.06% | +38.61% |
Current DrawdownCurrent decline from peak | -2.18% | -2.32% | +0.14% |
Average DrawdownAverage peak-to-trough decline | -17.21% | -32.65% | +15.44% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 4.39% | 7.32% | -2.93% |
Volatility
DTE vs. UNM - Volatility Comparison
DTE Energy Company (DTE) and Unum Group (UNM) have volatilities of 5.40% and 5.52%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| DTE | UNM | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.40% | 5.52% | -0.12% |
Volatility (6M)Calculated over the trailing 6-month period | 12.81% | 14.92% | -2.11% |
Volatility (1Y)Calculated over the trailing 1-year period | 16.40% | 24.84% | -8.44% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 18.84% | 29.94% | -11.10% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 22.33% | 37.63% | -15.30% |
Dividends
DTE vs. UNM - Dividend Comparison
DTE's dividend yield for the trailing twelve months is around 3.39%, more than UNM's 2.03% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
DTE DTE Energy Company | 3.39% | 3.44% | 3.44% | 3.52% | 3.07% | 2.98% | 3.40% | 2.96% | 3.26% | 3.07% | 3.10% | 3.54% |
UNM Unum Group | 2.03% | 2.27% | 2.15% | 3.07% | 3.07% | 4.76% | 4.97% | 3.74% | 3.34% | 1.57% | 1.75% | 2.10% |
Financials
DTE vs. UNM - Financials Comparison
This section allows you to compare key financial metrics between DTE Energy Company 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
DTE vs. UNM - Profitability Comparison
DTE - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, DTE Energy Company reported a gross profit of 4.41B and revenue of 5.14B. Therefore, the gross margin over that period was 85.7%.
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%.
DTE - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, DTE Energy Company reported an operating income of 412.00M and revenue of 5.14B, resulting in an operating margin of 8.0%.
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%.
DTE - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, DTE Energy Company reported a net income of 1.19M and revenue of 5.14B, resulting in a net margin of 0.0%.
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
DTE and UNM have a correlation of 0.18, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
UNM has higher volatility (5.52%) compared to DTE (5.40%). In terms of maximum drawdown, DTE dropped -67.92% vs UNM's -89.38%.
DTE currently has the higher Sharpe Ratio (0.92 vs 0.69), 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.
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