MetLife, Inc. (MET) vs Prudential Financial, Inc. (PRU)

MetLife, Inc. and Prudential Financial, Inc. are both Insurance Life companies. MetLife, Inc. is the larger, with a market value of $63.7B against $40.1B — 1.6× the size. Prudential Financial, Inc. trades at the lower P/E: 10.4× against 19.3×. Prudential Financial, Inc. grew revenue faster over the last twelve months: 9.38% against 8.75%. Prudential Financial, Inc. has the higher net margin (6.05% vs 4.33%) and the lower return on invested capital (8.20% vs 10.7%). Both pay a dividend; Prudential Financial, Inc. yields more (4.79% vs 2.30%). Across the 21 metrics below, Prudential Financial, Inc. leads on 16 and MetLife, Inc. on 5.

Valuation

Metric MET PRU Insurance Life median
P/E 19.32 10.43 12.80
P/S 0.82 0.62 0.76
P/B 2.34 1.26 1.09
Price to free cash flow 4.17 3.66 7.67
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.17% 9.59% 7.81%
Free cash flow yield 24.00% 27.32% 11.89%

Profitability

Metric MET PRU Insurance Life median
Gross margin 24.66% 32.44% 32.44%
Operating margin 6.13% 7.58% 11.31%
Net margin 4.33% 6.05% 6.61%
Free cash flow margin 19.59% 16.94% 15.04%
Return on equity 12.36% 12.47% 8.67%
Return on assets 0.47% 0.51% 0.67%
Return on invested capital 10.65% 8.20% 8.20%

Growth

Metric MET PRU Insurance Life median
Revenue growth (TTM) 8.75% 9.38% 7.91%
EPS growth (last fiscal year) (20.71%) 33.20% (20.59%)
Revenue growth, 5-year CAGR 2.59% 1.28% 1.08%
Net income growth, 5-year CAGR (9.38%) 0.00% 0.00%

Health

Metric MET PRU Insurance Life median
Debt to equity 0.73 0.65 0.48
Current ratio 0.15 0.12 0.21
Net debt to EBITDA (0.76) 0.12 0.12

Dividend

Metric MET PRU Insurance Life median
Dividend yield 2.30% 4.79% 2.17%
Payout ratio 0.44 0.50 0.26

Size

Metric MET PRU Insurance Life median
Market cap 63.72b 40.14b 7.66b

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