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Aflac Incorporated (AFL) vs Prudential Financial, Inc. (PRU)

Aflac Incorporated and Prudential Financial, Inc. are both Insurance Life companies. Aflac Incorporated is the larger, with a market value of $63.3B against $42.3B — 1.5× the size. Prudential Financial, Inc. trades at the lower P/E: 11.0× against 18.3×. Prudential Financial, Inc. grew revenue faster over the last twelve months: 4.80% against −6.23%. Aflac Incorporated has the higher net margin (21.2% vs 6.45%) and the lower return on invested capital (8.24% vs 10.4%). Both pay a dividend; Prudential Financial, Inc. yields more (4.54% vs 1.91%). Across the 21 metrics below, Prudential Financial, Inc. leads on 16 and Aflac Incorporated on 5.

Valuation

Metric AFL PRU Insurance Life median
P/E 18.28 11.03 11.34
P/S 3.77 0.70 0.81
P/B 2.14 1.41 1.08
Price to free cash flow 24.15 3.97 7.43
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.47% 9.06% 8.82%
Free cash flow yield 4.14% 25.16% 13.20%

Profitability

Metric AFL PRU Insurance Life median
Gross margin 51.90% 33.64% 30.01%
Operating margin 27.39% 8.83% 8.83%
Net margin 21.24% 6.45% 9.93%
Free cash flow margin 15.61% 17.57% 15.40%
Return on equity 12.16% 12.48% 8.47%
Return on assets 2.99% 0.50% 0.50%
Return on invested capital 8.24% 10.42% 7.11%

Growth

Metric AFL PRU Insurance Life median
Revenue growth (TTM) (6.23%) 4.80% 4.80%
EPS growth (last fiscal year) (29.18%) 33.20% (3.45%)
Revenue growth, 5-year CAGR (4.97%) 1.28% 1.33%
Net income growth, 5-year CAGR (5.26%) 0.00% 0.00%

Health

Metric AFL PRU Insurance Life median
Debt to equity 0.30 0.69 0.48
Current ratio 0.00 0.13 0.21
Net debt to EBITDA 0.38 0.12 0.12

Dividend

Metric AFL PRU Insurance Life median
Dividend yield 1.91% 4.54% 2.28%
Payout ratio 0.35 0.50 0.28

Size

Metric AFL PRU Insurance Life median
Market cap 63.29b 42.25b 7.96b

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