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Prudential Financial, Inc. (PRU) vs Unum Group (UNM)

Prudential Financial, Inc. and Unum Group are both Insurance Life companies. Prudential Financial, Inc. is the larger, with a market value of $42.3B against $11.7B — 3.6× the size. Prudential Financial, Inc. trades at the lower P/E: 11.0× against 52.2×. Prudential Financial, Inc. grew revenue faster over the last twelve months: 4.80% against −4.22%. Prudential Financial, Inc. has the higher net margin (6.45% vs 1.94%) and the higher return on invested capital (10.4% vs 1.32%). Both pay a dividend; Prudential Financial, Inc. yields more (4.54% vs 2.61%). Across the 21 metrics below, Prudential Financial, Inc. leads on 18 and Unum Group on 3.

Valuation

Metric PRU UNM Insurance Life median
P/E 11.03 52.24 11.34
P/S 0.70 0.94 0.81
P/B 1.41 1.09 1.08
Price to free cash flow 3.97 7.21 7.43
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.06% 1.91% 8.82%
Free cash flow yield 25.16% 13.88% 13.20%

Profitability

Metric PRU UNM Insurance Life median
Gross margin 33.64% 30.80% 30.01%
Operating margin 8.83% 4.11% 8.83%
Net margin 6.45% 1.94% 9.93%
Free cash flow margin 17.57% 12.98% 15.40%
Return on equity 12.48% 2.25% 8.47%
Return on assets 0.50% 0.39% 0.50%
Return on invested capital 10.42% 1.32% 7.11%

Growth

Metric PRU UNM Insurance Life median
Revenue growth (TTM) 4.80% (4.22%) 4.80%
EPS growth (last fiscal year) 33.20% (54.86%) (3.45%)
Revenue growth, 5-year CAGR 1.28% (0.13%) 1.33%
Net income growth, 5-year CAGR 0.00% (1.41%) 0.00%

Health

Metric PRU UNM Insurance Life median
Debt to equity 0.69 0.35 0.48
Current ratio 0.13 0.28 0.21
Net debt to EBITDA 0.12 2.87 0.12

Dividend

Metric PRU UNM Insurance Life median
Dividend yield 4.54% 2.61% 2.28%
Payout ratio 0.50 1.37 0.28

Size

Metric PRU UNM Insurance Life median
Market cap 42.25b 11.71b 7.96b

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