Prudential Public Limited Company (PUK) vs Unum Group (UNM)

Prudential Public Limited Company and Unum Group are both Insurance Life companies. Prudential Public Limited Company is the larger, with a market value of $31.2B against $14.4B — 2.2× the size. Prudential Public Limited Company trades at the lower P/E: 17.5× against 21.5×. Unum Group grew revenue faster over the last twelve months: 3.42% against −88.6%. Prudential Public Limited Company has the higher net margin (30.1% vs 5.26%) and the lower return on invested capital (0.00% vs 3.94%). Both pay a dividend; Unum Group yields more (3.24% vs 1.87%). Across the 19 metrics below, Unum Group leads on 11 and Prudential Public Limited Company on 8.

Valuation

Metric PUK UNM Insurance Life median
P/E 17.49 21.47 12.15
P/S n/m 1.10 0.75
P/B n/m 1.36 1.12
Price to free cash flow n/m 21.22 7.78
EV/EBITDA n/m 14.80 8.42
EV/Sales (0.03) 1.39 0.80
Earnings yield 5.72% 4.66% 8.23%
Free cash flow yield 0.00% 4.71% 11.12%

Profitability

Metric PUK UNM Insurance Life median
Gross margin 0.00% 33.34% 32.44%
Operating margin 0.00% 8.36% 11.31%
Net margin 30.05% 5.26% 6.61%
Free cash flow margin 0.00% 5.19% 15.04%
Return on equity 0.00% 6.35% 8.67%
Return on assets 0.00% 1.11% 0.67%
Return on invested capital 0.00% 3.94% 8.20%

Growth

Metric PUK UNM Insurance Life median
Revenue growth (TTM) (88.60%) 3.42% 7.91%
EPS growth (last fiscal year) 82.74% (54.86%) —
Revenue growth, 5-year CAGR (21.10%) (0.13%) 1.08%
Net income growth, 5-year CAGR 13.44% (1.41%) 0.00%

Health

Metric PUK UNM Insurance Life median
Debt to equity 0.26 0.35 0.48
Current ratio 0.03 0.28 0.21
Net debt to EBITDA (0.13) 2.87 0.12

Dividend

Metric PUK UNM Insurance Life median
Dividend yield 1.87% 3.24% 2.41%
Payout ratio 0.15 0.18 0.17

Size

Metric PUK UNM Insurance Life median
Market cap 31.16b 14.42b 7.92b

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