Globe Life Inc. (GL) vs Prudential Financial, Inc. (PRU)

Globe Life Inc. and Prudential Financial, Inc. are both Insurance Life companies. Prudential Financial, Inc. is the larger, with a market value of $42.3B against $12.2B — 3.5× the size. Globe Life Inc. trades at the lower P/E: 10.4× against 11.0×. Globe Life Inc. grew revenue faster over the last twelve months: 5.62% against 4.80%. Globe Life Inc. has the higher net margin (18.9% vs 6.45%) and the lower return on invested capital (0.00% vs 10.4%). Both pay a dividend; Prudential Financial, Inc. yields more (4.54% vs 0.79%). Across the 21 metrics below, Prudential Financial, Inc. leads on 12 and Globe Life Inc. on 9.

Valuation

Metric GL PRU Insurance Life median
P/E 10.44 11.03 11.34
P/S 1.94 0.70 0.81
P/B 1.98 1.41 1.08
Price to free cash flow 9.89 3.97 7.43
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.58% 9.06% 8.82%
Free cash flow yield 10.12% 25.16% 13.20%

Profitability

Metric GL PRU Insurance Life median
Gross margin 40.64% 33.64% 30.01%
Operating margin 25.54% 8.83% 8.83%
Net margin 18.89% 6.45% 9.93%
Free cash flow margin 0.00% 17.57% 15.40%
Return on equity 0.00% 12.48% 8.47%
Return on assets 0.00% 0.50% 0.50%
Return on invested capital 0.00% 10.42% 7.11%

Growth

Metric GL PRU Insurance Life median
Revenue growth (TTM) 5.62% 4.80% 4.80%
EPS growth (last fiscal year) 17.84% 33.20% (3.45%)
Revenue growth, 5-year CAGR 4.82% 1.28% 1.33%
Net income growth, 5-year CAGR 9.68% 0.00% 0.00%

Health

Metric GL PRU Insurance Life median
Debt to equity 0.48 0.69 0.48
Current ratio 0.05 0.13 0.21
Net debt to EBITDA 1.23 0.12 0.12

Dividend

Metric GL PRU Insurance Life median
Dividend yield 0.79% 4.54% 2.28%
Payout ratio 0.08 0.50 0.28

Size

Metric GL PRU Insurance Life median
Market cap 12.24b 42.25b 7.96b

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