Comparing Unum Group (NYSE:UNM) and Huize (NASDAQ:HUIZ)

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

Profitability

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

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

Institutional & Insider Ownership

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

Earnings & Valuation

This table compares Unum Group and Huize”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Unum Group	$13.08 billion	1.06	$738.50 million	$4.29	20.43
Huize	$1.58 billion	0.01	$580,000.00	$0.03	54.33

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.

Risk and Volatility

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

Analyst Recommendations

This is a breakdown of recent ratings and price targets for Unum Group and Huize, as reported by MarketBeat.com.

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

Unum Group currently has a consensus target price of $99.00, indicating a potential upside of 12.96%. Given Unum Group’s stronger consensus rating and higher possible upside, equities analysts plainly believe Unum Group is more favorable than Huize.

Summary

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

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.

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.