Reviewing Unum Group (NYSE:UNM) & M�nchener R�ckversicherungs-Gesellschaft (OTCMKTS:MURGY)

M�nchener R�ckversicherungs-Gesellschaft (OTCMKTS:MURGY) and Unum Group (NYSE:UNM) are both large-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their valuation, earnings, profitability, dividends, analyst recommendations, risk and institutional ownership.

Analyst Ratings

This is a summary of recent ratings and recommmendations for M�nchener R�ckversicherungs-Gesellschaft and Unum Group, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
M�nchener R�ckversicherungs-Gesellschaft	0	2	1	0	2.33
Unum Group	0	6	8	0	2.57

Unum Group has a consensus price target of $99.42, indicating a potential upside of 7.48%. Given Unum Group’s stronger consensus rating and higher probable upside, analysts plainly believe Unum Group is more favorable than M�nchener R�ckversicherungs-Gesellschaft.

Profitability

This table compares M�nchener R�ckversicherungs-Gesellschaft and Unum Group’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
M�nchener R�ckversicherungs-Gesellschaft	11.49%	20.81%	2.47%
Unum Group	5.26%	12.60%	2.18%

Valuation & Earnings

This table compares M�nchener R�ckversicherungs-Gesellschaft and Unum Group”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
M�nchener R�ckversicherungs-Gesellschaft	$68.33 billion	1.08	$6.92 billion	$2.51	4.68
Unum Group	$13.24 billion	1.11	$738.50 million	$4.29	21.56

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

Dividends

M�nchener R�ckversicherungs-Gesellschaft pays an annual dividend of $0.34 per share and has a dividend yield of 2.9%. Unum Group pays an annual dividend of $2.02 per share and has a dividend yield of 2.2%. M�nchener R�ckversicherungs-Gesellschaft pays out 13.5% of its earnings in the form of a dividend. Unum Group pays out 47.1% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Unum Group has increased its dividend for 16 consecutive years. M�nchener R�ckversicherungs-Gesellschaft is clearly the better dividend stock, given its higher yield and lower payout ratio.

Volatility & Risk

M�nchener R�ckversicherungs-Gesellschaft has a beta of 0.36, meaning that its share price is 64% less volatile than the S&P 500. Comparatively, Unum Group has a beta of 0.25, meaning that its share price is 75% less volatile than the S&P 500.

Institutional & Insider Ownership

0.2% of M�nchener R�ckversicherungs-Gesellschaft shares are owned by institutional investors. Comparatively, 86.6% of Unum Group shares are owned by institutional investors. 1.0% of Unum Group shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Summary

Unum Group beats M�nchener R�ckversicherungs-Gesellschaft on 9 of the 17 factors compared between the two stocks.

About M�nchener R�ckversicherungs-Gesellschaft

Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München engages in the insurance and reinsurance businesses worldwide. It also offers life and health reinsurance solutions, such as digital underwriting and advanced analytics solutions, health insurance management system, financial market risks, financing, portfolio risk management, digitalized investment-linked solution, MIRA digital suite, MIRA POS, MIRApply insured and physician, claims risk adjustment, CLARA plus, data analytics, underwriting and claims, medical research, capital management, and health market. The company also provides property and casualty reinsurance solutions, including agricultural risk, data analytics, infrastructure risk profiler, property insurance, retroactive reinsurance, insurance linked securities, location risk, risk transfer, and cyber, NatCatSERVICE for natural catastrophe loss database, REALYTIX ZERO, IMPROVEX, and cert2go, as well as consulting services for reinsurance, business advisory, portfolio performance and management, claims management, commercial motor, telematics, and electric vehicles. In addition, the company provides solutions for industry clients, such as IoT cover, earnings quality insurance protection, captive insurance and risk transfer, liability, weather risks, space and satellite insurance, solar and biomass insurance, wind insurance, digital asset, mining risks cover, construction projects covers and services, aviation insurance, power and utilities, industrial cyber insurance, risk suite, location risk intelligence, digital risks, PV warranty insurance, parametric, Insure AI, e-mobility, circular economy, liquidation damage cover, and natural catastrophes solutions. Further, it offers life, property-casualty, health, legal protection, and travel insurance products under the ERGO brand name; and insurance solutions for agriculture, captive, epidemic, cyber, and renewable energy. The company was founded in 1880 and is based in Munich, Germany.

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.