Unico American's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Unico American (UNAM) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Unico American vs Its Competitors
- TTM: Trailing 12-month revenue of 15M vs 893,801M combined for tracked competitors (0.0% combined share).
- Trending: Latest-quarter revenue run-rate is decelerating (-165.4% annualized vs trailing 12 months), vs decelerating (-18.5%) for its tracked peer group.
- Peer differentiation: Revenue per employee of $0.18M compares with $1.19M for the peer group (0.2x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
Unico American vs. its Competitors, Q3 2022
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Unico American and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Unico American Corporation | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| High-Confidence Competitors (1) | $12,345M | +12.3% · Accelerating |
| Similar Growth & Profitability (2) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Unico American's competitor groups requires a Commercial License.
Unico American's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Unico American Corporation | No | No | No | Yes |
| Competitors combined (50) | ||||
| High-Confidence Competitors (1) | ||||
| Similar Growth & Profitability (8) | 37.50 % (3 of 8) | 12.50 % (1 of 8) | 12.50 % (1 of 8) | 50.00 % (4 of 8) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
UNAM Stock Performance relative to its Competitors
UNAM Stock Performance relative to High-Confidence Competitors
UNAM Stock Performance relative to Similar Growth & Profitability Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | United Fire Group Inc | 282.9% | Outperformed |
| 2 | Universal Insurance Holdings Inc | 282.9% | Outperformed |
| 3 | Safety Insurance Group Inc | 282.9% | Outperformed |
| 4 | Heritage Insurance Holdings Inc | 282.9% | Outperformed |
| 5 | Kingstone Companies Inc | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Unico American's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Unico American's Comment on Competition and Industry Peers
Insurance Company and General Agency Operations (Property and Casualty)
The property and casualty markets in which the Company operates are highly competitive.
Property and casualty insurers generally compete on many factors, including
price, commission rates, consumer recognition, coverages offered, financial
stability, customer service and geographic coverage. Competition is also affected
by the pace of technological developments. An insurer’s ability to innovate,
develop and implement new applications and other technology can affect its competitive
position. The Company continues to invest in technology in order to compete
more effectively in the insurance marketplace. The marketplace is highly cyclical,
characterized by periods of high premium rates and shortages of underwriting
capacity followed by periods of severe price competition and excess underwriting
capacity.
The profitability of insurers is affected by many factors including premium
adequacy, the frequency and severity of claims, state regulations, interest
rates, general business conditions, and court decisions redefining and expanding
the extent of coverage. One of the challenging and unique features of the property
and casualty business is the fact that since premiums are collected before losses
are paid, its products are normally priced before its costs are known.
Insurance Premium Financing Operation
The insurance premium financing operation currently finances policies produced
only through its sister company, Unifax. Consequently, AAC’s growth is
primarily dependent on the growth of Crusader and Unifax business. Since July
2010, AAC has continued to offer 0% financing on policies produced by Unifax
for Crusader. The Company monitors the cost of providing this incentive; and,
depending on the cost/benefit determination, the Company can continue to offer
0% financing or withdraw it at any time.
Health Insurance Operation
The health insurance market is uncertain due to changes in healthcare insurance
mandated by recent federal legislation. AIB provides a variety of health and
life insurance products to individuals and groups. These same products are offered
by most of our competitors; thus service, reliability and stability are important
to obtain and retain customers.
Publicly Traded Peers of Unico American Corporation
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Unico American Corporation | 0.27 | 15.48 |
| Progressive Corp | 122,372.37 | 91,055.00 |
| Travelers Companies inc | 77,570.98 | 48,979.00 |
| Metlife Inc | 61,985.96 | 79,403.00 |
| Allstate Corp | 58,958.21 | 70,137.00 |
| American International Group Inc | 38,833.55 | 26,636.00 |
| SUBTOTAL | 639,801.84 | 911,859.98 |
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Sources: Unico American Corporation's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Unico American Corporation versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Unico American's Competitors Named by the Company
Competitive relationships identified from SEC filings and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| U.S. Bank | Named by the company | 85% |
| Union Bank | Named by the company | 85% |
Filing basis, confidence, active dates and source counts for Unico American's named competitors require a Commercial License.
Methodology: relationships are extracted from SEC filings (named-competitor disclosures) and corroborating sources. Named by the company = explicitly disclosed as a competitor; Inferred = derived from corroborating signals. Confidence reflects evidence strength.
Unico American's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Travelers Companies inc | Business Insurance 45.68 % |
| Metlife Inc | Group Benefits 36.13 % |
| Allstate Corp | Allstate Protection 87.37 % |
| American International Group Inc | North America Operating 30.08 % |
| The Hartford Insurance Group Inc | P&C Business Insurance 55.32 % |
Source: operating segment revenue as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
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Unico American's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Unico American Corporation | 0 | 179,970 | -149,641 |
| Progressive Corp | 122,372 | 1,821,100 | 233,900 |
| Travelers Companies inc | 77,571 | 1,440,559 | 243,765 |
| Metlife Inc | 61,986 | 1,726,152 | 79,543 |
| Allstate Corp | 58,958 | 1,308,526 | 248,134 |
| American International Group Inc | 38,834 | 1,205,249 | 134,208 |
| PEERS TOTAL | 639,802 | 1,186,033 | 201,604 |
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Unico American's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent filing. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Brown and Brown Inc | US 86.46 % |
| Ncr Atleos Corporation | United States 47.84 % |
| Leaf Group Ltd | US 87.97 % |
Source: revenue geography as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
Unico American's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Property & Casualty Insurance industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (75 companies).| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | 16.39 % | 49.36 % (avg) | -33.0 pp |
| Operating Margin | -55.19 % | industry median | -65.3 pp |
| EBITDA Margin | -75.49 % | 13.82 % (avg) | -89.3 pp |
| Capital Intensity (Capex / Revenue) | - | 0.95 % (avg) | - |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Unico American's Valuation vs Competitive Position
Valuation multiples vs the Property & Casualty Insurance industry average (75 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | - | 13.2x | - |
| EV / EBITDA | - | 6.2x | - |
| P/B | 0.4x | 1.9x | -1.6x |
| Return on Equity | -58.65 % | industry aggregate | -61.73 % |
| Return on Invested Capital | -9.73 % | 5.86 % (avg) | -15.59 % |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Unico American's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | -2.12 % | 9.17 % | 6.02 % | 4.32 % | -8.64 % | -6.66 % | 3.78 % | 11.76 % |
| Operating Margin | 4.89 % | -4.71 % | -5.54 % | -50.26 % | -11.16 % | -33.80 % | -153.39 % | -14.11 % |
| Return on Invested Capital | 0.77 % | -0.81 % | -1.00 % | -12.54 % | -2.89 % | -8.11 % | -45.82 % | -4.17 % |
| P/E | - | - | - | - | - | - | - | - |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Unico American's Strategic Group Map
Every company in Unico American's industry and named-competitor list, plotted by trailing 12-month revenue growth and operating margin. Unico American is shown in red; its closest peers by combined growth, margin and ROIC (the Similar Growth & Profitability group above) are labeled.
Source: CSIMarket API, trailing 12 months. Extreme outlier values (from near-zero-revenue companies) are excluded from the plotted cloud but never from the highlighted company or its labeled peers.
Unico American's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Unico American falls in the Medium attractiveness / Low strength cell: Harvest.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Unico American's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
No rule matched.
Weaknesses
- Operating margin 65.3 points below the industry median.
- Return on equity 61.7 points below the industry aggregate.
- Latest-quarter revenue run-rate is decelerating (-165.4% annualized vs trailing 12 months).
- Piotroski F-Score of 2 or below, the standard financial-distress signal.
Opportunities
No rule matched.
Threats
- Tracked peer group's revenue run-rate is broadly decelerating (-18.5% annualized).
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Unico American's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Unico American Corporation | 0.06 | 0.20 | - |
| Progressive Corp | 0.06 | 1.06 | 0.23 |
| Travelers Companies inc | 0.01 | 1.08 | 0.28 |
| Metlife Inc | 0.08 | 0.29 | 0.70 |
| Allstate Corp | 0.02 | 0.15 | 0.25 |
| American International Group Inc | 0.04 | 1.44 | 0.17 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Unico American's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Unico American Corporation | Q3 2022 | - | - |
| Progressive Corp | Q2 2026 | +7.3 % | +4.3 % |
| Travelers Companies inc | Q2 2026 | +0.3 % | +45.3 % |
| Metlife Inc | Q2 2026 | +10.5 % | +6.0 % |
| Allstate Corp | Q2 2026 | +11.8 % | +55.8 % |
| American International Group Inc | Q2 2026 | -0.1 % | -17.1 % |
| PEERS TOTAL | +7.7 % | +55.4 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Unico American's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Unico American Corporation | Q3 2022 | - | - |
| Progressive Corp | Q2 2026 | +1,027.3 % | +35.3 % |
| Travelers Companies inc | Q2 2026 | -0.9 % | - |
| Metlife Inc | Q2 2026 | +1,959.3 % | - |
| Allstate Corp | Q2 2026 | +6.1 % | - |
| American International Group Inc | Q2 2026 | +6.3 % | - |
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Unico American's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Unico American Corporation | - | - | - |
| Progressive Corp | 9.51% | 11.22% | 35.40% |
| Travelers Companies inc | 5.78% | 10.84% | 25.58% |
| Metlife Inc | 0.49% | 0.77% | 12.93% |
| Allstate Corp | 10.88% | 16.50% | 43.12% |
| American International Group Inc | 1.83% | 2.10% | 7.26% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Unico American's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Unico American Corporation | - | 0.02 |
| Progressive Corp | 10.51 | 1.34 |
| Travelers Companies inc | 9.72 | 1.58 |
| Metlife Inc | 18.39 | 0.78 |
| Allstate Corp | 4.56 | 0.84 |
| American International Group Inc | 13.45 | 1.46 |
| PEERS AVERAGE | 4.13 | 0.70 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.