Principal Financial Group
PFG · Life & Health Insurance
$108.57
1.4%Unum
UNM · Life & Health Insurance
$90.28
3.7%The short version
- Principal Financial Group is the larger business, with $15.6B of revenue in fiscal 2025 against $13.1B for Unum.
- Unum grew revenue faster (1.5%, against −3.1%).
- Investors pay more for each dollar of Unum’s earnings: a P/E of 21.0x against 15.6x for Principal Financial Group.
| Latest fiscal year | PFG · FY25 | UNM · FY25 |
|---|---|---|
| Size | ||
| Market cap | $23.9B | $14.4B |
| Revenue | $15.6B | $13.1B |
| Free cash flow | — | $555M |
| Net income | $1.2B | $739M |
| Growth | ||
| Revenue growth | −3.1% | 1.5% |
| 5-year growth | 1.2% | −0.1% |
| Share count change | −4.1% | −8.1% |
| Profitability | ||
| Gross margin | — | — |
| Operating margin | — | — |
| Net margin | 7.6% | 5.7% |
| FCF margin | — | 4.3% |
| Return on capital | — | 7.6% |
| Return on equity | — | 6.7% |
| Balance sheet | ||
| Net debt | −$434M | $593M |
| Net debt / EBITDA | −0.2x | 0.5x |
| Dividends and buybacks | $1.6B | $1.3B |
| Valuation & quality | ||
| P/E | 15.6x | 21.0x |
| Piotroski F-score | — | — |
FY16
PFG $12.4B
UNM $11.0B
FY17
PFG $14.1B
UNM $11.3B
FY18
PFG $14.2B
UNM $11.6B
FY19
PFG $16.2B
UNM $12.0B
FY20
PFG $14.7B
UNM $13.2B
FY21
PFG $14.4B
UNM $12.0B
FY22
PFG $17.5B
UNM $12.0B
FY23
PFG $13.7B
UNM $12.4B
FY24
PFG $16.1B
UNM $12.9B
FY25
PFG $15.6B
UNM $13.1B
PFG
UNM
FY16
PFG —
UNM —
FY17
PFG —
UNM —
FY18
PFG —
UNM —
FY19
PFG —
UNM —
FY20
PFG —
UNM —
FY21
PFG —
UNM —
FY22
PFG —
UNM —
FY23
PFG —
UNM —
FY24
PFG —
UNM —
FY25
PFG —
UNM —
PFG
UNM
FY16
PFG —
UNM $1.0B
FY17
PFG —
UNM $1.1B
FY18
PFG —
UNM $1.4B
FY19
PFG —
UNM $1.5B
FY20
PFG —
UNM $350M
FY21
PFG —
UNM $1.3B
FY22
PFG —
UNM $1.3B
FY23
PFG —
UNM $1.1B
FY24
PFG —
UNM $1.4B
FY25
PFG —
UNM $555M
PFG
UNM
FY16
PFG —
UNM 9.7%
FY17
PFG —
UNM 9.9%
FY18
PFG —
UNM 6.1%
FY19
PFG —
UNM 11.1%
FY20
PFG —
UNM 7.8%
FY21
PFG —
UNM 10.9%
FY22
PFG —
UNM 16.7%
FY23
PFG —
UNM 13.1%
FY24
PFG —
UNM 16.6%
FY25
PFG —
UNM 7.6%
PFG
UNM
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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.