UNM vs. AIZ
UNM (Unum Group) and AIZ (Assurant, Inc.) are both stocks. Both are in the Financial Services sector — UNM in Insurance - Life, AIZ in Insurance - Specialty. Over the past 10 years, UNM returned 13.77%/yr vs 15.07%/yr for AIZ. Their 0.54 correlation means they have sometimes moved together and sometimes differently.
Performance
UNM vs. AIZ - Performance Comparison
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Returns By Period
In the year-to-date period, UNM achieves a 13.11% return, which is significantly lower than AIZ's 16.79% return. Over the past 10 years, UNM has underperformed AIZ with an annualized return of 13.77%, while AIZ has yielded a comparatively higher 15.07% annualized return.
UNM
- 1D
- -0.76%
- 1M
- -6.20%
- 6M
- 14.69%
- YTD
- 13.11%
- 1Y
- 26.47%
- 3Y*
- 24.15%
- 5Y*
- 29.59%
- 10Y*
- 13.77%
- ALL TIME*
- 8.82%
AIZ
- 1D
- -1.16%
- 1M
- -0.10%
- 6M
- 18.12%
- YTD
- 16.79%
- 1Y
- 51.99%
- 3Y*
- 29.44%
- 5Y*
- 14.00%
- 10Y*
- 15.07%
- ALL TIME*
- 13.54%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $99.55M | $96.39M | $109.03M | |
UNM Unum Group | $144.51M | $136.21M | $122.97M |
UNM vs. AIZ - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
UNM Unum Group | 13.11% | 8.56% | 66.31% | 13.72% | 73.56% | 11.87% | -16.22% | 2.63% | -45.22% | 27.19% |
AIZ Assurant, Inc. | 16.79% | 14.69% | 28.55% | 37.52% | -18.34% | 16.46% | 6.09% | 49.78% | -9.18% | 10.98% |
Correlation
The correlation between UNM and AIZ is 0.48, which is low. Their historical price movements had little consistent relationship.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.48 |
Correlation (3Y) Balances recent behavior with more history. | 0.52 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.50 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.54 |
Correlation (All Time) Calculated using the full available price history since Feb 5, 2004 | 0.54 |
The correlation between UNM and AIZ has been stable across timeframes, ranging from 0.48 to 0.54 - a consistent structural relationship.
Fundamentals
UNM:
$13.63B
AIZ:
$13.83B
UNM:
$4.24
AIZ:
$19.78
UNM:
20.31
AIZ:
14.12
UNM:
1.42
AIZ:
0.45
UNM:
1.08
AIZ:
1.07
UNM:
1.43
AIZ:
2.39
UNM:
$13.25B
AIZ:
$13.16B
UNM:
$4.73B
AIZ:
$10.24B
UNM:
$1.21B
AIZ:
$1.52B
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Return for Risk
UNM vs. AIZ — Risk / Return Rank
UNM
AIZ
UNM vs. AIZ - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Unum Group (UNM) and Assurant, Inc. (AIZ). 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.
| UNM | AIZ | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.12 | ||
| Sortino ratioReturn per unit of downside risk | -1.30 | ||
| Omega ratioGain probability vs. loss probability | 1.20 | 1.42 | -0.22 |
| Calmar ratioReturn relative to maximum drawdown | 1.98 | 4.10 | -2.12 |
| Martin ratioReturn relative to average drawdown | 4.97 | 11.42 | -6.45 |
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Drawdowns
UNM vs. AIZ - Drawdown Comparison
The maximum UNM drawdown since its inception was -89.38%, which is greater than AIZ's maximum drawdown of -81.62%. Use the drawdown chart below to compare losses from any high point for UNM and AIZ.
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Drawdown Indicators
| UNM | AIZ | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -89.38% | -81.62% | -7.76% |
Max Drawdown (1Y)Largest decline over 1 year | -11.55% | -12.57% | +1.02% |
Max Drawdown (3Y)Largest decline over 3 years | -17.94% | -20.83% | +2.89% |
Max Drawdown (5Y)Largest decline over 5 years | -20.95% | -44.63% | +23.68% |
Max Drawdown (10Y)Largest decline over 10 years | -81.06% | -44.63% | -36.43% |
Current DrawdownCurrent decline from peak | -6.59% | -1.37% | -5.22% |
Average DrawdownAverage peak-to-trough decline | -32.57% | -16.01% | -16.56% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 4.66% | 4.51% | +0.15% |
Volatility
UNM vs. AIZ - Volatility Comparison
Unum Group (UNM) has a higher volatility of 8.35% compared to Assurant, Inc. (AIZ) at 4.23%. This indicates that UNM's price experiences larger fluctuations and is considered to be riskier than AIZ based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| UNM | AIZ | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 8.35% | 4.23% | +4.12% |
Volatility (6M)Calculated over the trailing 6-month period | 16.55% | 16.99% | -0.44% |
Volatility (1Y)Calculated over the trailing 1-year period | 22.38% | 24.14% | -1.76% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 29.81% | 25.02% | +4.79% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 37.46% | 26.83% | +10.63% |
Dividends
UNM vs. AIZ - Dividend Comparison
UNM's dividend yield for the trailing twelve months is around 2.19%, more than AIZ's 1.23% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
AIZ Assurant, Inc. | 1.23% | 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 | 2.19% | 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. AIZ - Financials Comparison
This section allows you to compare key financial metrics between Unum Group and Assurant, Inc.. 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. AIZ - Profitability Comparison
UNM - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Unum Group reported a gross profit of 1.29B and revenue of 3.29B. Therefore, the gross margin over that period was 39.2%.
AIZ - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 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 - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Unum Group reported an operating income of 329.50M and revenue of 3.29B, resulting in an operating margin of 10.0%.
AIZ - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Assurant, Inc. reported an operating income of 335.60M and revenue of 3.42B, resulting in an operating margin of 9.8%.
UNM - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Unum Group reported a net income of 256.90M and revenue of 3.29B, resulting in a net margin of 7.8%.
AIZ - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Assurant, Inc. reported a net income of 274.10M and revenue of 3.42B, resulting in a net margin of 8.0%.
Frequently Asked Questions
UNM and AIZ have a correlation of 0.48, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
UNM has higher volatility (8.35%) compared to AIZ (4.23%). In terms of maximum drawdown, UNM dropped -89.38% vs AIZ's -81.62%.
AIZ currently has the higher Sharpe Ratio (2.14 vs 1.02), 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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