Aflac Incorporated (AFL) vs Prudential Public Limited Company (PUK)

Aflac Incorporated and Prudential Public Limited Company are both Insurance Life companies. Aflac Incorporated is the larger, with a market value of $63.3B against $30.7B — 2.1× the size. Prudential Public Limited Company trades at the lower P/E: 17.1× against 18.0×. Aflac Incorporated grew revenue faster over the last twelve months: −6.23% against −88.6%. Prudential Public Limited Company has the higher net margin (30.1% vs 21.2%) and the lower return on invested capital (0.00% vs 8.24%). Both pay a dividend; Prudential Public Limited Company yields more (2.25% vs 1.94%). Across the 18 metrics below, Aflac Incorporated leads on 10 and Prudential Public Limited Company on 8.

Valuation

Metric AFL PUK Insurance Life median
P/E 18.01 17.13 11.46
P/S 3.71 n/m 0.79
P/B 2.11 n/m 1.09
Price to free cash flow 23.79 n/m 7.43
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.55% 5.84% 8.72%
Free cash flow yield 4.20% 0.00% 13.37%

Profitability

Metric AFL PUK Insurance Life median
Gross margin 53.33% 0.00% 27.05%
Operating margin 26.97% 0.00% 13.95%
Net margin 21.24% 30.05% 10.16%
Free cash flow margin 15.61% 0.00% 15.61%
Return on equity 12.16% 0.00% 10.05%
Return on assets 2.99% 0.00% 0.77%
Return on invested capital 8.24% 0.00% 7.11%

Growth

Metric AFL PUK Insurance Life median
Revenue growth (TTM) (6.23%) (88.60%) 4.14%
EPS growth (last fiscal year) (29.18%) 82.74% (3.45%)
Revenue growth, 5-year CAGR (4.97%) (21.10%) 1.33%
Net income growth, 5-year CAGR (5.26%) 13.44% 0.00%

Health

Metric AFL PUK Insurance Life median
Debt to equity 0.30 0.26 0.50
Current ratio 0.10 0.03 0.21
Net debt to EBITDA 0.38 (0.13) 0.12

Dividend

Metric AFL PUK Insurance Life median
Dividend yield 1.94% 2.25% 2.32%
Payout ratio 0.35 — 0.18

Size

Metric AFL PUK Insurance Life median
Market cap 63.29b 30.74b 7.50b

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