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Primerica, Inc. (PRI) vs Prudential Financial, Inc. (PRU)

Primerica, Inc. and Prudential Financial, Inc. are both Insurance Life companies. Prudential Financial, Inc. is the larger, with a market value of $42.3B against $8.9B — 4.8× the size. Prudential Financial, Inc. trades at the lower P/E: 11.0× against 11.3×. Primerica, Inc. grew revenue faster over the last twelve months: 8.27% against 4.80%. Primerica, Inc. has the higher net margin (22.9% vs 6.45%) and the higher return on invested capital (17.5% vs 10.4%). Both pay a dividend; Prudential Financial, Inc. yields more (4.54% vs 1.61%). Across the 21 metrics below, Primerica, Inc. leads on 11 and Prudential Financial, Inc. on 10.

Valuation

Metric PRI PRU Insurance Life median
P/E 11.34 11.03 11.34
P/S 2.53 0.70 0.81
P/B 3.13 1.41 1.08
Price to free cash flow 9.48 3.97 7.43
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.82% 9.06% 8.82%
Free cash flow yield 10.54% 25.16% 13.20%

Profitability

Metric PRI PRU Insurance Life median
Gross margin 0.00% 33.64% 30.01%
Operating margin 0.00% 8.83% 8.83%
Net margin 22.86% 6.45% 9.93%
Free cash flow margin 26.70% 17.57% 15.40%
Return on equity 31.18% 12.48% 8.47%
Return on assets 5.45% 0.50% 0.50%
Return on invested capital 17.54% 10.42% 7.11%

Growth

Metric PRI PRU Insurance Life median
Revenue growth (TTM) 8.27% 4.80% 4.80%
EPS growth (last fiscal year) 67.10% 33.20% (3.45%)
Revenue growth, 5-year CAGR 8.22% 1.28% 1.33%
Net income growth, 5-year CAGR 14.33% 0.00% 0.00%

Health

Metric PRI PRU Insurance Life median
Debt to equity 0.57 0.69 0.48
Current ratio 0.33 0.13 0.21
Net debt to EBITDA 0.76 0.12 0.12

Dividend

Metric PRI PRU Insurance Life median
Dividend yield 1.61% 4.54% 2.28%
Payout ratio 0.18 0.50 0.28

Size

Metric PRI PRU Insurance Life median
Market cap 8.89b 42.25b 7.96b

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