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Primerica, Inc. (PRI) vs Prudential Public Limited Company (PUK)

Primerica, Inc. and Prudential Public Limited Company are both Insurance Life companies. Prudential Public Limited Company is the larger, with a market value of $29.3B against $8.5B — 3.5× the size. Primerica, Inc. trades at the lower P/E: 11.0× against 16.6×. Primerica, Inc. grew revenue faster over the last twelve months: 8.57% against −88.6%. Prudential Public Limited Company has the higher net margin (30.1% vs 23.2%) and the lower return on invested capital (0.00% vs 17.9%). Both pay a dividend; Prudential Public Limited Company yields more (2.32% vs 1.69%). Across the 18 metrics below, Primerica, Inc. leads on 13 and Prudential Public Limited Company on 5.

Valuation

Metric PRI PUK Insurance Life median
P/E 11.03 16.57 12.22
P/S 2.50 n/m 0.75
P/B 3.40 n/m 1.07
Price to free cash flow 10.19 n/m 7.70
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.06% 6.04% 8.18%
Free cash flow yield 9.81% 0.00% 11.33%

Profitability

Metric PRI PUK Insurance Life median
Gross margin 81.38% 0.00% 32.44%
Operating margin 30.60% 0.00% 11.31%
Net margin 23.20% 30.05% 6.61%
Free cash flow margin 24.54% 0.00% 15.04%
Return on equity 32.97% 0.00% 8.67%
Return on assets 5.38% 0.00% 0.67%
Return on invested capital 17.86% 0.00% 8.20%

Growth

Metric PRI PUK Insurance Life median
Revenue growth (TTM) 8.57% (88.60%) 7.91%
EPS growth (last fiscal year) 67.10% 82.74% (20.59%)
Revenue growth, 5-year CAGR 8.22% (21.10%) 1.08%
Net income growth, 5-year CAGR 14.33% 13.44% 0.00%

Health

Metric PRI PUK Insurance Life median
Debt to equity 0.66 0.26 0.48
Current ratio 0.33 0.03 0.21
Net debt to EBITDA 0.76 (0.13) 0.12

Dividend

Metric PRI PUK Insurance Life median
Dividend yield 1.69% 2.32% 2.21%
Payout ratio 0.19 — 0.26

Size

Metric PRI PUK Insurance Life median
Market cap 8.48b 29.32b 7.85b

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