Prudential Financial vs Unum
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The short version
- Prudential Financial is the larger business, with $60.8B of revenue in fiscal 2025 against $13.1B for Unum, about 4.6 times as much.
- Unum grew revenue faster (1.5%, against β13.7%).
- Investors pay more for each dollar of Unumβs earnings: a P/E of 21.0x against 10.4x for Prudential Financial.
| Latest fiscal year | PRU Β· FY25 | UNM Β· FY25 |
|---|---|---|
| Size | ||
| Market cap | $40.0B | $14.4B |
| Revenue | $60.8B | $13.1B |
| Free cash flow | β | $555M |
| Net income | $3.6B | $739M |
| Growth | ||
| Revenue growth | β13.7% | 1.5% |
| 5-year growth | 1.3% | β0.1% |
| Share count change | β1.6% | β8.1% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 5.9% | 5.7% |
| FCF margin | β | 4.3% |
| Return on capital | β | 7.6% |
| Return on equity | β | 6.7% |
| Balance sheet | ||
| Net debt | β$856M | $593M |
| Net debt / EBITDA | β0.1x | 0.5x |
| Dividends and buybacks | $2.9B | $1.3B |
| Valuation & quality | ||
| P/E | 10.4x | 21.0x |
| Piotroski F-score | β | β |
Revenue
FY16
PRU $58.8B
UNM $11.0B
FY17
PRU $59.7B
UNM $11.3B
FY18
PRU $63.0B
UNM $11.6B
FY19
PRU $64.8B
UNM $12.0B
FY20
PRU $57.0B
UNM $13.2B
FY21
PRU $71.2B
UNM $12.0B
FY22
PRU $56.9B
UNM $12.0B
FY23
PRU $54.0B
UNM $12.4B
FY24
PRU $70.4B
UNM $12.9B
FY25
PRU $60.8B
UNM $13.1B
PRU
UNM
Operating margin
FY16
PRU β
UNM β
FY17
PRU β
UNM β
FY18
PRU β
UNM β
FY19
PRU β
UNM β
FY20
PRU β
UNM β
FY21
PRU β
UNM β
FY22
PRU β
UNM β
FY23
PRU β
UNM β
FY24
PRU β
UNM β
FY25
PRU β
UNM β
PRU
UNM
Free cash flow
FY16
PRU β
UNM $1.0B
FY17
PRU β
UNM $1.1B
FY18
PRU β
UNM $1.4B
FY19
PRU β
UNM $1.5B
FY20
PRU β
UNM $350M
FY21
PRU β
UNM $1.3B
FY22
PRU β
UNM $1.3B
FY23
PRU β
UNM $1.1B
FY24
PRU β
UNM $1.4B
FY25
PRU β
UNM $555M
PRU
UNM
Return on capital
FY16
PRU β
UNM 9.7%
FY17
PRU β
UNM 9.9%
FY18
PRU β
UNM 6.1%
FY19
PRU β
UNM 11.1%
FY20
PRU β
UNM 7.8%
FY21
PRU β
UNM 10.9%
FY22
PRU β
UNM 16.7%
FY23
PRU β
UNM 13.1%
FY24
PRU β
UNM 16.6%
FY25
PRU β
UNM 7.6%
PRU
UNM
Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.