UNM vs. AIZ

Last updated Apr 2, 2026

Compare and contrast key facts about Unum Group (UNM) and Assurant, Inc. (AIZ).

Performance

UNM vs. AIZ - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Unum Group (UNM) and Assurant, Inc. (AIZ). The values are adjusted to include any dividend payments, if applicable.

UNM vs. AIZ - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
UNM Unum Group	-4.12%	8.56%	66.31%	13.72%	73.56%	11.87%	-16.22%	2.63%	-45.22%	27.19%
AIZ Assurant, Inc.	-9.82%	14.69%	28.55%	37.52%	-18.34%	16.46%	6.09%	49.78%	-9.18%	10.98%

Fundamentals

EPS UNM : $4.32 AIZ : $16.50
PE Ratio UNM : 17.10 AIZ : 13.11
PEG Ratio UNM : 1.20 AIZ : 0.34
PS Ratio UNM : 0.99 AIZ : 0.89
Total Revenue (TTM) UNM : $12.76B AIZ : $12.57B
Gross Profit (TTM) UNM : $4.69B AIZ : $9.69B
EBITDA (TTM) UNM : $1.15B AIZ : $1.40B

Returns By Period

In the year-to-date period, UNM achieves a -4.12% return, which is significantly higher than AIZ's -9.82% return. Both investments have delivered pretty close results over the past 10 years, with UNM having a 12.56% annualized return and AIZ not far ahead at 12.92%.

UNM

• 1D: 1.14%
• 1M: 2.43%
• YTD: -4.12%
• 6M: -4.47%
• 1Y: -7.82%
• 3Y*: 26.52%
• 5Y*: 25.23%
• 10Y*: 12.56%

AIZ

• 1D: -0.68%
• 1M: -7.37%
• YTD: -9.82%
• 6M: 0.26%
• 1Y: 3.86%
• 3Y*: 23.73%
• 5Y*: 10.61%
• 10Y*: 12.92%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

UNM vs. AIZ — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

UNM

UNM Risk / Return Rank: 26
UNM Sharpe Ratio Rank: 28
UNM Sortino Ratio Rank: 25
UNM Omega Ratio Rank: 25
UNM Calmar Ratio Rank: 27
UNM Martin Ratio Rank: 25

AIZ

AIZ Risk / Return Rank: 44
AIZ Sharpe Ratio Rank: 45
AIZ Sortino Ratio Rank: 39
AIZ Omega Ratio Rank: 39
AIZ Calmar Ratio Rank: 48
AIZ Martin Ratio Rank: 49

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

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.

	UNM	AIZ	Difference
Sharpe ratio Return per unit of total volatility	-0.27	0.14	-0.41
Sortino ratio Return per unit of downside risk	-0.17	0.39	-0.56
Omega ratio Gain probability vs. loss probability	0.97	1.05	-0.08
Calmar ratio Return relative to maximum drawdown	-0.44	0.32	-0.76
Martin ratio Return relative to average drawdown	-0.90	0.74	-1.64
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

UNM vs. AIZ - Sharpe Ratio Comparison

The current UNM Sharpe Ratio is -0.27, which is lower than the AIZ Sharpe Ratio of 0.14. The chart below compares the historical Sharpe Ratios of UNM and AIZ, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	UNM	AIZ	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	-0.27	0.14	-0.41
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.83	0.43	+0.40
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.33	0.48	-0.15
Sharpe Ratio (All Time) Calculated using the full available price history	0.22	0.39	-0.17

Correlation

The correlation between UNM and AIZ is 0.54, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.

Dividends

UNM vs. AIZ - Dividend Comparison

UNM's dividend yield for the trailing twelve months is around 2.44%, more than AIZ's 1.55% yield.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
UNM Unum Group	2.44%	2.27%	2.15%	3.07%	3.07%	4.76%	4.97%	3.74%	3.34%	1.57%	1.75%	2.10%
AIZ Assurant, Inc.	1.55%	1.36%	1.39%	1.67%	2.19%	1.71%	1.87%	1.85%	2.55%	2.13%	2.19%	1.70%

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.

Drawdown Indicators

	UNM	AIZ	Difference
Max Drawdown Largest peak-to-trough decline	-89.38%	-81.62%	-7.76%
Max Drawdown (1Y) Largest decline over 1 year	-16.40%	-14.73%	-1.67%
Max Drawdown (5Y) Largest decline over 5 years	-28.28%	-44.63%	+16.35%
Max Drawdown (10Y) Largest decline over 10 years	-81.06%	-44.63%	-36.43%
Current Drawdown Current decline from peak	-9.30%	-10.73%	+1.43%
Average Drawdown Average peak-to-trough decline	-32.82%	-16.22%	-16.60%
Ulcer Index Depth and duration of drawdowns from previous peaks	8.00%	6.41%	+1.59%

Volatility

UNM vs. AIZ - Volatility Comparison

Unum Group (UNM) has a higher volatility of 6.61% compared to Assurant, Inc. (AIZ) at 6.23%. 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.

Volatility by Period

	UNM	AIZ	Difference
Volatility (1M) Calculated over the trailing 1-month period	6.61%	6.23%	+0.38%
Volatility (6M) Calculated over the trailing 6-month period	16.20%	16.66%	-0.46%
Volatility (1Y) Calculated over the trailing 1-year period	29.19%	27.73%	+1.46%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	30.47%	24.94%	+5.53%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	37.63%	26.92%	+10.71%

Financials