UNM vs. AFL
UNM (Unum Group) and AFL (Aflac Incorporated) are both stocks. Both operate in the Insurance - Life industry within the Financial Services sector. Over the past 10 years, UNM returned 12.49%/yr vs 15.37%/yr for AFL. At a 0.47 correlation, their price movements are largely independent.
Performance
UNM vs. AFL - Performance Comparison
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Returns By Period
In the year-to-date period, UNM achieves a 9.05% return, which is significantly higher than AFL's 4.93% return. Over the past 10 years, UNM has underperformed AFL with an annualized return of 12.49%, while AFL has yielded a comparatively higher 15.37% annualized return.
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%
AFL
- 1D
- 0.77%
- 1M
- 1.56%
- YTD
- 4.93%
- 6M
- 6.11%
- 1Y
- 12.37%
- 3Y*
- 22.39%
- 5Y*
- 17.42%
- 10Y*
- 15.37%
UNM vs. AFL - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
UNM Unum Group | 9.05% | 8.56% | 66.31% | 13.72% | 73.56% | 11.87% | -16.22% | 2.63% | -45.22% | 27.19% |
AFL Aflac Incorporated | 4.93% | 8.94% | 28.08% | 17.36% | 26.41% | 34.55% | -13.60% | 18.55% | 6.20% | 29.02% |
Correlation
The correlation between UNM and AFL is 0.52, 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 | 0.52 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.57 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.63 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.66 |
Correlation (All Time) Calculated using the full available price history since Nov 7, 1986 | 0.47 |
The correlation between UNM and AFL shifts across timeframes, from 0.47 (all time) to 0.66 (10 years), reflecting how their relationship changes across market environments.
Fundamentals
UNM:
$13.73B
AFL:
$58.94B
UNM:
$4.61
AFL:
$8.76
UNM:
18.10
AFL:
13.07
UNM:
1.27
AFL:
3.39
UNM:
1.06
AFL:
3.33
UNM:
1.26
AFL:
2.63
UNM:
$13.30B
AFL:
$18.22B
UNM:
$4.51B
AFL:
$8.70B
UNM:
$1.24B
AFL:
$6.67B
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Return for Risk
UNM vs. AFL — Risk / Return Rank
UNM
AFL
UNM vs. AFL - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Unum Group (UNM) and Aflac Incorporated (AFL). 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.
| UNM | AFL | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.57 | ||
| Sortino ratioReturn per unit of downside risk | -0.77 | ||
| Omega ratioGain probability vs. loss probability | 1.06 | 1.13 | -0.08 |
| Calmar ratioReturn relative to maximum drawdown | 0.26 | 1.36 | -1.11 |
| Martin ratioReturn relative to average drawdown | 0.56 | 3.39 | -2.83 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| UNM | AFL | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.17 | 0.74 | -0.57 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.85 | 0.84 | +0.01 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.33 | 0.60 | -0.27 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.23 | 0.48 | -0.25 |
Drawdowns
UNM vs. AFL - Drawdown Comparison
The maximum UNM drawdown since its inception was -89.38%, which is greater than AFL's maximum drawdown of -82.71%. Use the drawdown chart below to compare losses from any high point for UNM and AFL.
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Drawdown Indicators
| UNM | AFL | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -89.38% | -82.71% | -6.67% |
Max Drawdown (1Y)Largest decline over 1 year | -16.04% | -9.11% | -6.93% |
Max Drawdown (3Y)Largest decline over 3 years | -17.94% | -13.56% | -4.38% |
Max Drawdown (5Y)Largest decline over 5 years | -28.28% | -19.86% | -8.42% |
Max Drawdown (10Y)Largest decline over 10 years | -81.06% | -54.89% | -26.17% |
Current DrawdownCurrent decline from peak | -1.19% | -3.01% | +1.82% |
Average DrawdownAverage peak-to-trough decline | -32.69% | -11.66% | -21.03% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 7.39% | 3.67% | +3.72% |
Volatility
UNM vs. AFL - Volatility Comparison
The current volatility for Unum Group (UNM) is 4.01%, while Aflac Incorporated (AFL) has a volatility of 4.67%. This indicates that UNM experiences smaller price fluctuations and is considered to be less risky than AFL based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| UNM | AFL | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.01% | 4.67% | -0.66% |
Volatility (6M)Calculated over the trailing 6-month period | 14.76% | 11.69% | +3.07% |
Volatility (1Y)Calculated over the trailing 1-year period | 24.67% | 16.77% | +7.90% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 30.21% | 20.88% | +9.33% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 37.62% | 25.74% | +11.88% |
Dividends
UNM vs. AFL - Dividend Comparison
UNM's dividend yield for the trailing twelve months is around 2.20%, more than AFL's 2.08% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
AFL Aflac Incorporated | 2.08% | 2.10% | 1.93% | 2.04% | 2.22% | 2.26% | 2.52% | 2.04% | 2.28% | 1.98% | 2.39% | 2.64% |
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
UNM vs. AFL - Financials Comparison
This section allows you to compare key financial metrics between Unum Group and Aflac Incorporated. 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
UNM vs. AFL - Profitability Comparison
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%.
AFL - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Aflac Incorporated reported a gross profit of 2.48B and revenue of 4.32B. Therefore, the gross margin over that period was 57.5%.
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%.
AFL - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Aflac Incorporated reported an operating income of 1.23B and revenue of 4.32B, resulting in an operating margin of 28.4%.
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%.
AFL - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Aflac Incorporated reported a net income of 1.02B and revenue of 4.32B, resulting in a net margin of 23.6%.
Frequently Asked Questions
UNM and AFL have a correlation of 0.52, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
AFL has higher volatility (4.67%) compared to UNM (4.01%). In terms of maximum drawdown, UNM dropped -89.38% vs AFL's -82.71%.
AFL currently has the higher Sharpe Ratio (0.74 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.
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