Unum (NYSE: UNM) and Triple-S Management (NYSE:GTS) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their dividends, earnings, risk, analyst recommendations, valuation, institutional ownership and profitability.
Unum pays an annual dividend of $0.92 per share and has a dividend yield of 2.0%. Triple-S Management does not pay a dividend. Unum pays out 21.4% of its earnings in the form of a dividend. Unum has increased its dividend for 9 consecutive years.
93.0% of Unum shares are owned by institutional investors. Comparatively, 84.7% of Triple-S Management shares are owned by institutional investors. 0.5% of Unum shares are owned by insiders. Comparatively, 2.2% of Triple-S Management shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.
Risk & Volatility
Unum has a beta of 1.46, meaning that its share price is 46% more volatile than the S&P 500. Comparatively, Triple-S Management has a beta of 0.25, meaning that its share price is 75% less volatile than the S&P 500.
This is a summary of recent ratings and target prices for Unum and Triple-S Management, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Unum currently has a consensus target price of $56.30, indicating a potential upside of 20.84%. Triple-S Management has a consensus target price of $20.00, indicating a potential downside of 26.47%. Given Unum’s stronger consensus rating and higher probable upside, equities analysts clearly believe Unum is more favorable than Triple-S Management.
Valuation & Earnings
This table compares Unum and Triple-S Management’s top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Unum||$11.29 billion||0.91||$994.20 million||$4.29||10.86|
|Triple-S Management||$2.92 billion||0.22||$54.48 million||$1.89||14.39|
Unum has higher revenue and earnings than Triple-S Management. Unum is trading at a lower price-to-earnings ratio than Triple-S Management, indicating that it is currently the more affordable of the two stocks.
This table compares Unum and Triple-S Management’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Unum beats Triple-S Management on 13 of the 17 factors compared between the two stocks.
Unum Company Profile
Unum Group, together with its subsidiaries, provides financial protection benefit solutions in the United States, the United Kingdom, and internationally. It operates through Unum US, Unum UK, Colonial Life, and Closed Block segments. 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 products. The company sells its products primarily to employers for the benefit of employees. Unum Group sells its products through field sales personnel, independent brokers, and consultants, as well as independent contractor agency sales force. The company was founded in 1848 and is based in Chattanooga, Tennessee.
Triple-S Management Company Profile
Triple-S Management Corporation, through its subsidiaries, provides a portfolio of managed care and related products in the commercial, Medicare, and Medicaid markets in Puerto Rico, the United States. The company operates through three segments: Managed Care, Life Insurance, and Property and Casualty Insurance. It offers various managed care products, including health maintenance organization plans; preferred provider organization plans; BlueCard program; Medicare Supplement products; Medicare Advantage products; Medicaid plans; and claims processing and other administrative services. The company provides its managed care products to employers, professional and trade associations, individuals, and government entities. It also offers various life, accident, disability, and health and annuity insurance products primarily to individuals; and property and casualty insurance products, which include commercial multi-peril package, auto physical damage, personal package, commercial auto, hospital malpractice, commercial liability, and commercial property products to small and medium size accounts. The company markets and distributes its products through a network of internal sales force, direct mail, independent brokers and agents, telemarketing staff, traditional media, and digital media, as well as e-commerce. Triple-S Management Corporation was founded in 1959 and is headquartered in San Juan, Puerto Rico.
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