Huize (NASDAQ:HUIZ – Get Free Report) and Unum Group (NYSE:UNM – Get Free Report) are both finance companies, but which is the better investment? We will contrast the two companies based on the strength of their analyst recommendations, risk, institutional ownership, dividends, profitability, earnings and valuation.
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% |
Insider and Institutional Ownership
86.6% of Unum Group shares are owned by institutional investors. 30.4% of Huize shares are owned by company insiders. Comparatively, 1.0% of Unum Group shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
Earnings and Valuation
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Huize | $226.26 million | 0.05 | $580,000.00 | $0.03 | 40.33 |
| Unum Group | $13.08 billion | 1.09 | $738.50 million | $4.29 | 20.95 |
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.
Analyst Ratings
This is a summary of recent ratings and target prices for Huize and Unum Group, as reported 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 price target of $99.00, indicating a potential upside of 10.17%. Given Unum Group’s stronger consensus rating and higher probable upside, analysts clearly believe Unum Group is more favorable than Huize.
Volatility and Risk
Huize has a beta of 0.91, suggesting that its share price is 9% less volatile than the S&P 500. Comparatively, Unum Group has a beta of 0.26, suggesting that its share price is 74% less volatile than the S&P 500.
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.
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