Prudential Financial vs Unum
Add, change or remove companies; up to four.
KIRAβs take AI analyst
I put Prudential Financial and Unum side by side, using each oneβs latest annual report. Here is what stands out:
- 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 10.5x for Prudential Financial.
Who comes out ahead
Of the 5 measures where higher (or lower) is clearly better, how many each company leads.
Prudential Financial
PRU
3/5
5-year growthNet marginNet debt / EBITDA
Unum
UNM
2/5
Revenue growthShare count change
Side by side
Best in the row
| Latest fiscal year | PRU FY25 | UNM FY25 |
|---|---|---|
| Size | ||
| Market cap | $40.3B | $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 | 10.5x | 21.0x |
| Piotroski F-score | β | β |
Ten years
Revenue
Operating margin
Free cash flow
Return on capital
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.