Unum Group (NYSE:UNM) and Huize (NASDAQ:HUIZ) Financial Contrast

Huize (NASDAQ:HUIZ) and Unum Group (NYSE:UNM) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their profitability, earnings, institutional ownership, dividends, valuation, analyst recommendations and risk.

Insider and Institutional Ownership

86.6% of Unum Group shares are held by institutional investors. 30.4% of Huize shares are held by company insiders. Comparatively, 1.0% of Unum Group shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Profitability

This table compares Huize and Unum Group’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Huize	N/A	N/A	N/A
Unum Group	5.26%	12.60%	2.18%

Volatility and Risk

Huize has a beta of 0.91, indicating that its share price is 9% less volatile than the S&P 500. Comparatively, Unum Group has a beta of 0.26, indicating that its share price is 74% less volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for Huize and Unum Group, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Huize	1	0	0	0	1.00
Unum Group	0	6	8	0	2.57

Unum Group has a consensus target price of $99.00, indicating a potential upside of 5.98%. Given Unum Group’s stronger consensus rating and higher probable upside, analysts plainly believe Unum Group is more favorable than Huize.

Earnings & Valuation

This table compares Huize and Unum Group”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Huize	$226.26 million	0.06	$580,000.00	$0.03	41.33
Unum Group	$13.08 billion	1.13	$738.50 million	$4.29	21.77

Unum Group has higher revenue and earnings than Huize. Unum Group is trading at a lower price-to-earnings ratio than Huize, indicating that it is currently the more affordable of the two stocks.

Summary

Unum Group beats Huize on 11 of the 14 factors compared between the two stocks.

About Huize

Huize Holding Limited, together with its subsidiaries, offers online insurance product and service platform through various internet channels in the People's Republic of China. The company provides life and health insurance products, such as critical illness, illness and disease, annuity, and term and whole life insurance products; and property and casualty insurance products, including travel, individual casualty, and corporate liability insurance products. It also offers offline insurance intermediary and brokerage services. The company also provides digital and technology development services; investment, technology development, internet information, management, and financial consulting services; business management and catering services; and insurance agency services. Huize Holding Limited was founded in 2006 and is headquartered in Shenzhen, China.

About Unum Group

Unum Group, together with its subsidiaries, provides financial protection benefit solutions primarily in the United States, the United Kingdom, Poland, and internationally. It operates through Unum US, Unum International, Colonial Life, and Closed Block segment. The company offers group long-term and short-term disability, group life, and accidental death and dismemberment products; supplemental and voluntary products, such as individual disability, voluntary benefits, and dental and vision products; and accident, sickness, disability, life, and cancer and critical illness products. It also provides group pension, individual life and corporate-owned life insurance, reinsurance pools and management operations, and other miscellaneous products. The company sells its products primarily to employers for the benefit of employees. It sells its products through field sales personnel, independent brokers, consultants, and independent contractor agent sales force and brokers. Unum Group was founded in 1848 and is based in Chattanooga, Tennessee.