Aflac vs Prudential Financial
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The short version
- Prudential Financial is the larger business, with $60.8B of revenue in fiscal 2025 against $17.2B for Aflac, about 3.5 times as much.
- Aflac grew revenue faster (β9.3%, against β13.7%).
- Investors pay more for each dollar of Aflacβs earnings: a P/E of 13.0x against 10.4x for Prudential Financial.
| Latest fiscal year | AFL Β· FY25 | PRU Β· FY25 |
|---|---|---|
| Size | ||
| Market cap | $60.9B | $40.0B |
| Revenue | $17.2B | $60.8B |
| Free cash flow | β | β |
| Net income | $3.6B | $3.6B |
| Growth | ||
| Revenue growth | β9.3% | β13.7% |
| 5-year growth | β5.0% | 1.3% |
| Share count change | β5.3% | β1.6% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 21.2% | 5.9% |
| FCF margin | β | β |
| Return on capital | 13.0% | β |
| Return on equity | 13.1% | β |
| Balance sheet | ||
| Net debt | $2.1B | β$856M |
| Net debt / EBITDA | 0.4x | β0.1x |
| Dividends and buybacks | $4.7B | $2.9B |
| Valuation & quality | ||
| P/E | 13.0x | 10.4x |
| Piotroski F-score | β | β |
Revenue
FY16
AFL $22.6B
PRU $58.8B
FY17
AFL $21.7B
PRU $59.7B
FY18
AFL $21.8B
PRU $63.0B
FY19
AFL $22.3B
PRU $64.8B
FY20
AFL $22.1B
PRU $57.0B
FY21
AFL $21.6B
PRU $71.2B
FY22
AFL $19.1B
PRU $56.9B
FY23
AFL $18.7B
PRU $54.0B
FY24
AFL $18.9B
PRU $70.4B
FY25
AFL $17.2B
PRU $60.8B
AFL
PRU
Operating margin
FY16
AFL 18.3%
PRU β
FY17
AFL 18.9%
PRU β
FY18
AFL 20.0%
PRU β
FY19
AFL 20.0%
PRU β
FY20
AFL 19.9%
PRU β
FY21
AFL 22.9%
PRU β
FY22
AFL 21.7%
PRU β
FY23
AFL β
PRU β
FY24
AFL β
PRU β
FY25
AFL β
PRU β
AFL
PRU
Free cash flow
FY16
AFL β
PRU β
FY17
AFL β
PRU β
FY18
AFL β
PRU β
FY19
AFL β
PRU β
FY20
AFL β
PRU β
FY21
AFL β
PRU β
FY22
AFL β
PRU β
FY23
AFL β
PRU β
FY24
AFL β
PRU β
FY25
AFL β
PRU β
AFL
PRU
Return on capital
FY16
AFL 13.7%
PRU β
FY17
AFL 17.3%
PRU β
FY18
AFL 12.5%
PRU β
FY19
AFL 12.0%
PRU β
FY20
AFL 13.3%
PRU β
FY21
AFL 14.3%
PRU β
FY22
AFL 17.4%
PRU β
FY23
AFL 20.0%
PRU β
FY24
AFL 21.5%
PRU β
FY25
AFL 13.0%
PRU β
AFL
PRU
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.