Prudential PLC ADR (PUK)vsUnum Group (UNM)
PUK
Prudential PLC ADR
$29.67
+2.74%
FINANCIAL SERVICES · Cap: $36.40B
UNM
Unum Group
$74.50
+0.89%
FINANCIAL SERVICES · Cap: $12.47B
Smart Verdict
WallStSmart Research — data-driven comparison
Prudential PLC ADR generates 10% more annual revenue ($14.43B vs $13.08B). PUK leads profitability with a 27.6% profit margin vs 5.7%. UNM appears more attractively valued with a PEG of 1.03. PUK earns a higher WallStSmart Score of 79/100 (B+).
PUK
Strong Buy79
out of 100
Grade: B+
UNM
Buy56
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+77.7%
Fair Value
$143.68
Current Price
$29.67
$114.01 discount
Margin of Safety
-145.9%
Fair Value
$29.04
Current Price
$74.50
$45.46 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Strong operational efficiency at 45.5%
Every $100 of equity generates 21 in profit
Keeps 28 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Earnings expanding 30.8% YoY
Reasonable price relative to book value
Attractively priced relative to earnings
Areas to Watch
No major concerns identified
0.2% revenue growth
ROE of 6.7% — below average capital efficiency
5.7% margin — thin
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : PUK
The strongest argument for PUK centers on P/E Ratio, Operating Margin, Return on Equity. Profitability is solid with margins at 27.6% and operating margin at 45.5%. Revenue growth of 14.5% demonstrates continued momentum.
Bull Case : UNM
The strongest argument for UNM centers on Price/Book, P/E Ratio. PEG of 1.03 suggests the stock is reasonably priced for its growth.
Bear Case : PUK
No major red flags identified for PUK, but monitor valuation.
Bear Case : UNM
The primary concerns for UNM are Revenue Growth, Return on Equity, Profit Margin.
Key Dynamics to Monitor
PUK profiles as a mature stock while UNM is a value play — different risk/reward profiles.
PUK carries more volatility with a beta of 0.92 — expect wider price swings.
PUK is growing revenue faster at 14.5% — sustainability is the question.
PUK generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
PUK scores higher overall (79/100 vs 56/100), backed by strong 27.6% margins and 14.5% revenue growth. 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 PLC ADR
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Prudential plc offers life and health insurance, retirement and asset management solutions to people in Asia, the United States and Africa. The company is headquartered in London, the United Kingdom.
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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