Principal Financial Group vs Prudential Financial
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KIRAβs take AI analyst
I put Principal Financial Group and Prudential Financial 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 $15.6B for Principal Financial Group, about 3.9 times as much.
- Principal Financial Group grew revenue faster (β3.1%, against β13.7%).
- Investors pay more for each dollar of Principal Financial Groupβs earnings: a P/E of 15.8x 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.
Principal Financial Group
PFG
4/5
Revenue growthNet marginNet debt / EBITDAShare count change
Prudential Financial
PRU
1/5
5-year growth
Side by side
Best in the row
| Latest fiscal year | PFG FY25 | PRU FY25 |
|---|---|---|
| Size | ||
| Market cap | $24.3B | $40.3B |
| Revenue | $15.6B | $60.8B |
| Free cash flow | β | β |
| Net income | $1.2B | $3.6B |
| Growth | ||
| Revenue growth | β3.1% | β13.7% |
| 5-year growth | 1.2% | 1.3% |
| Share count change | β4.1% | β1.6% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 7.6% | 5.9% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | β | β |
| Balance sheet | ||
| Net debt | β$434M | β$856M |
| Net debt / EBITDA | β0.2x | β0.1x |
| Dividends and buybacks | $1.6B | $2.9B |
| Valuation & quality | ||
| P/E | 15.8x | 10.5x |
| 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.