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STOCK COMPARISON

AIA Group vs Unum Group 6.250% JR NT58: Fair Value & Quality

Both stocks run through our valuation models. Here is how AIA Group (1299) and Unum Group 6.250% JR NT58 (UNMA) compare, as of Sep 5, 2026.

As of Sep 5, 2026, Fair Value Calculator sees Unum Group 6.250% JR NT58 as the more attractively valued of the two: AIA Group trades at HK$77.50 versus a fair value of HK$33.57 (-57%), while Unum Group 6.250% JR NT58 trades at $21.37 versus $37.34 (+75%).
AIA Group
1299.HK · HKD · Financials
-57%
upside to fair value
overvalued
PriceHK$77.50
Fair ValueHK$33.57
Quality59/100
Unum Group 6.250% JR NT58
UNMA · USD · Financials
+75%
upside to fair value
undervalued
Price$21.37
Fair Value$37.34
Quality48/100
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Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

AIA GroupUnum Group 6.250% JR NT58
Valuation
16.4×P/E (TTM)4.5×
3.79×P/S (TTM)—
2.30×P/B0.48×
10.4×EV/EBITDA6.4×
1.01×PEG—
−56.7%Fair value upside+74.7%
2.3%Dividend yield7.3%
HK$1.80Dividend per share$1.56
Profitability
31%Operating margin0%
1.22×EBIT margin trend (5Y)0.99×
15%Return on equity—
2%Return on assets0%
Growth
6%Revenue growth (YoY)0%
—Avg. growth/yr (3Y)3.2%
-8.5%Avg. growth/yr (5Y)-0.1%
+5.9%Value creation/yr+5.0%
Balance & size
11.3×Interest coverage (EBIT/interest)4.5×
0.33×Debt / equity0.26×
$99BMarket cap$5B
weakGrowth qualityweak

Unum Group 6.250% JR NT58 leads: 5 to 7 metric wins.

Dash = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

AIA Groupof which business quality 51 · market factors 52 Unum Group 6.250% JR NT58of which business quality 41 · market factors 49
ProfitabilityMargins and returns on capital today
36
22
Quality GrowthAre margins and returns improving?
42
33
CashflowEarnings quality: real cash, not paper profit
64
41
Fin. StrengthBalance sheet, leverage, solvency risk
9
1
InvestmentDisciplined investing over empire-building
86
84
Low VolatilityCalm price path (market factor)
76
100
MomentumPrice trend over the last 3–12 months (market factor)
40
34
52W MomentumDistance to the 52-week high (market factor)
44
16
Net IssuanceBuybacks instead of dilution
100
100

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyAIA GroupPrice HK$77.50Unum Group 6.250% JR NT58Price $21.37
Dividend Discount-94%below the priceHK$4.53n/a
Multiples-91%below the priceHK$6.88+107%above the price$44.25
Asset-Based-96%below the priceHK$2.81+39%above the price$29.76
Economic Profit-93%below the priceHK$5.47+70%above the price$36.43
Minimum-96%below the priceHK$2.81+39%above the price$29.76
Maximum-91%below the priceHK$6.88+107%above the price$44.25
Median-94%below the priceHK$5.00+70%above the price$36.43
Geometric mean-94%below the priceHK$4.68+70%above the price$36.34

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

AIA Group: 6 of 6 models see the stock below the current price.

Unum Group 6.250% JR NT58: 0 of 4 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

AIA Group
Bear HK$25.18Fair Value HK$33.57Bull HK$41.97
HK$77.50 = current price (white tick)
Unum Group 6.250% JR NT58
Bear $28.01Fair Value $37.34Bull $46.68
$21.37 = current price (white tick)

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

AIA Group · Financials

Quality score59 · above median
Fair value upside-57% · bottom 25%

Unum Group 6.250% JR NT58 · Financials

Quality score48 · below median
Fair value upside+75% · Top 25%

Bottom line

As of Sep 5, 2026, Fair Value Calculator sees Unum Group 6.250% JR NT58 as the more attractively valued of the two: AIA Group trades at HK$77.50 versus a fair value of HK$33.57 (-57%), while Unum Group 6.250% JR NT58 trades at $21.37 versus $37.34 (+75%).

AIA Group has the higher quality score (59/100).

See the full analysis →
AIA Group · Unum Group 6.250% JR NT58

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.