Principal Financial Group vs Unum
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KIRA’s take AI analyst
I put Principal Financial Group and Unum side by side, using each one’s latest annual report. Here is what stands out:
- 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.
Who comes out ahead
Of the 5 measures where higher (or lower) is clearly better, how many each company leads.
Principal Financial Group
PFG
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 | 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 | — | — |
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.