Prudential Financial, Inc. (PRU)vsUnum Group (UNM)
PRU
Prudential Financial, Inc.
$100.81
+1.38%
FINANCIAL SERVICES · Cap: $34.54B
UNM
Unum Group
$80.88
+0.70%
FINANCIAL SERVICES · Cap: $12.83B
Smart Verdict
WallStSmart Research — data-driven comparison
Prudential Financial, Inc. generates 370% more annual revenue ($62.64B vs $13.34B). UNM leads profitability with a 5.9% profit margin vs 5.5%. UNM appears more attractively valued with a PEG of 1.03. UNM earns a higher WallStSmart Score of 70/100 (B-).
PRU
Buy58
out of 100
Grade: C
UNM
Strong Buy70
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 1.0B in free cash flow
Reasonable price relative to book value
Attractively priced relative to earnings
Earnings expanding 33.0% YoY
Areas to Watch
5.5% margin — thin
Earnings declined 14.3%
ROE of 7.1% — below average capital efficiency
5.9% margin — thin
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : PRU
The strongest argument for PRU centers on P/E Ratio, Price/Book, Free Cash Flow. PEG of 1.05 suggests the stock is reasonably priced for its growth.
Bull Case : UNM
The strongest argument for UNM centers on Price/Book, P/E Ratio, EPS Growth. PEG of 1.03 suggests the stock is reasonably priced for its growth.
Bear Case : PRU
The primary concerns for PRU are Profit Margin, EPS Growth.
Bear Case : UNM
The primary concerns for UNM are Return on Equity, Profit Margin, Piotroski F-Score.
Key Dynamics to Monitor
PRU carries more volatility with a beta of 0.85 — expect wider price swings.
UNM is growing revenue faster at 8.5% — sustainability is the question.
PRU generates stronger free cash flow (1.0B), providing more financial flexibility.
Monitor INSURANCE - LIFE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
UNM scores higher overall (70/100 vs 58/100). Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Prudential Financial, Inc.
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Prudential Financial, Inc. is an American company whose subsidiaries provide insurance, investment management, and other financial products and services to both retail and institutional customers throughout the United States and in over 40 other countries.
Visit Website →Unum Group
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Unum Group is a Chattanooga, Tennessee-based Fortune 500 insurance company formerly known as UnumProvident.
Visit Website →Compare with Other INSURANCE - LIFE Stocks
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