Reviewing SiriusPoint (NYSE:SPNT) and Unum Group (NYSE:UNM)

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

Analyst Recommendations

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

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
SiriusPoint	0	3	2	1	2.67
Unum Group	0	6	8	0	2.57

SiriusPoint presently has a consensus target price of $30.50, indicating a potential upside of 22.71%. Unum Group has a consensus target price of $99.42, indicating a potential upside of 7.59%. Given SiriusPoint’s stronger consensus rating and higher possible upside, analysts plainly believe SiriusPoint is more favorable than Unum Group.

Institutional & Insider Ownership

52.8% of SiriusPoint shares are owned by institutional investors. Comparatively, 86.6% of Unum Group shares are owned by institutional investors. 12.2% of SiriusPoint shares are owned by insiders. Comparatively, 1.0% of Unum Group shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Volatility & Risk

SiriusPoint has a beta of 0.59, suggesting that its share price is 41% less volatile than the S&P 500. Comparatively, Unum Group has a beta of 0.25, suggesting that its share price is 75% less volatile than the S&P 500.

Valuation and Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
SiriusPoint	$3.21 billion	0.90	$459.60 million	$4.10	6.06
Unum Group	$13.08 billion	1.12	$738.50 million	$4.29	21.54

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
SiriusPoint	15.56%	15.65%	2.76%
Unum Group	5.26%	12.60%	2.18%

Summary

SiriusPoint beats Unum Group on 8 of the 15 factors compared between the two stocks.

About SiriusPoint

SiriusPoint Ltd. provides multi-line insurance and reinsurance products and services worldwide. The company operates through two segments, Reinsurance, and Insurance & Services. The Reinsurance segment provides aviation and space, accident and health, casualty, credit, marine and energy, property to insurance and reinsurance companies, government entities, and other risk bearing vehicles. This segment offers medical insurance products, trip cancellation programs, medical management services, and 24/7 emergency medical and travel assistance services. The Insurance & Services segment provides accident and health, marine and energy, property and casualty, mortgage, environmental, workers' compensation, commercial auto lines, professional liability, and other lines of business. The company was formerly known as Third Point Reinsurance Ltd. and changed its name to SiriusPoint Ltd. in February 2021. SiriusPoint Ltd. was incorporated in 2011 and is headquartered in Pembroke, Bermuda.

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.