Aflac vs Prudential Financial
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KIRAβs take AI analyst
I put Aflac 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 $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 10.5x for Prudential Financial.
Who comes out ahead
Of the 5 measures where higher (or lower) is clearly better, how many each company leads.
Aflac
AFL
3/5
Revenue growthNet marginShare count change
Prudential Financial
PRU
2/5
5-year growthNet debt / EBITDA
Side by side
Best in the row
| Latest fiscal year | AFL FY25 | PRU FY25 |
|---|---|---|
| Size | ||
| Market cap | $61.1B | $40.3B |
| 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 | 10.5x |
| 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.