PFG
Principal Financial Group, Inc.
Insurance - Diversified
Market Cap$21.67B
5Y Perf.+159.0%
Compare Stocks
2 / 10Try these comparisons:
Stock Comparison
PFG vs PRU
Revenue, margins, valuation, and 5-year total return — side by side.
PRU
Prudential Financial, Inc.
Insurance - Life
Market Cap$34.58B
5Y Perf.+63.1%
PFG vs PRU — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | PFG | PRU |
|---|---|---|
| Industry | Insurance - Diversified | Insurance - Life |
| Market Cap | $21.67B | $34.58B |
| Revenue (TTM) | $15.63B | $61.82B |
| Net Income (TTM) | $1.19B | $3.48B |
| Gross Margin | 45.2% | 30.8% |
| Operating Margin | 9.1% | 8.2% |
| Forward P/E | 10.7x | 7.3x |
| Total Debt | $4.20B | $22.96B |
| Cash & Equiv. | $4.43B | $19.71B |
PFG vs PRU — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
PFG
PRU
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Principal Financial… (PFG) | 100 | 259.0 | +159.0% |
| Prudential Financia… (PRU) | 100 | 163.1 | +63.1% |
Price return only. Dividends and distributions are not included.
Quick Verdict: PFG vs PRU
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: PFG leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. Prudential Financial, Inc. is the stronger pick specifically for valuation and capital efficiency and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
PFG
Principal Financial Group, Inc.
The Insurance Pick
PFG carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth -3.1%, EPS growth -21.4%, 3Y rev CAGR -3.8%
- 195.8% 10Y total return vs PRU's 89.0%
- Lower volatility, beta 1.00, Low D/E 33.9%, current ratio 2.35x
Best for: growth exposure and long-term compounding
PRU
Prudential Financial, Inc.
The Insurance Pick
PRU is the clearest fit if your priority is income & stability and defensive.
- Dividend streak 8 yrs, beta 0.97, yield 5.5%
- Beta 0.97, yield 5.5%, current ratio 0.61x
- Lower P/E (7.3x vs 10.7x)
Best for: income & stability and defensive
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | PFG | -3.1% revenue growth vs PRU's -14.0% |
| Value | PRU | Lower P/E (7.3x vs 10.7x) |
| Quality / Margins | PFG | Combined ratio 0.9 vs PRU's 0.9 (lower = better underwriting) |
| Stability / Safety | PRU | Beta 0.97 vs PFG's 1.00 |
| Dividends | PFG | 3.0% yield, 17-year raise streak, vs PRU's 5.5% |
| Momentum (1Y) | PFG | +33.0% vs PRU's +3.6% |
| Efficiency (ROA) | PRU | 0.6% ROA vs PFG's 0.4%, ROIC 10.0% vs 9.0% |
PFG vs PRU — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
PFG vs PRU — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLPFGLAGGINGPRU
PRUPrudential Financial,…
2leads
PFGPrincipal Financial G…
2leads
6 Total Categories
CATEGORYLEADERvs PRUMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
PFG4/6
Valuation MetricsMultiples, price ratios, and targets
PRU5/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
PRU5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
PFG6/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
PFG leads this category, winning 4 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
PRU is the larger business by revenue, generating $61.8B annually — 4.0x PFG's $15.6B. Profitability is closely matched — net margins range from 7.6% (PFG) to 5.6% (PRU). On growth, PRU holds the edge at +6.3% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | PFGPrincipal Financi… | PRUPrudential Financ… |
|---|---|---|
| RevenueTrailing 12 months | $15.6B | $61.8B |
| EBITDAEarnings before interest/tax | $1.4B | $5.4B |
| Net IncomeAfter-tax profit | $1.2B | $3.5B |
| Free Cash FlowCash after capex | $4.4B | $9.8B |
| Gross MarginGross profit ÷ Revenue | +45.2% | +30.8% |
| Operating MarginEBIT ÷ Revenue | +9.1% | +8.2% |
| Net MarginNet income ÷ Revenue | +7.6% | +5.6% |
| FCF MarginFCF ÷ Revenue | +28.4% | +15.8% |
| Rev. Growth (YoY)Latest quarter vs prior year | -3.7% | +6.3% |
| EPS Growth (YoY)Latest quarter vs prior year | -40.8% | -12.8% |
PFG leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
PRU leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
At 9.7x trailing earnings, PRU trades at a 49% valuation discount to PFG's 19.1x P/E. On an enterprise value basis, PRU's 7.7x EV/EBITDA is more attractive than PFG's 12.9x.
| Metric | PFGPrincipal Financi… | PRUPrudential Financ… |
|---|---|---|
| Market CapShares × price | $21.7B | $34.6B |
| Enterprise ValueMkt cap + debt − cash | $21.4B | $37.8B |
| Trailing P/EPrice ÷ TTM EPS | 19.05x | 9.73x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.75x | 7.35x |
| PEG RatioP/E ÷ EPS growth rate | 13.78x | — |
| EV / EBITDAEnterprise value multiple | 12.86x | 7.70x |
| Price / SalesMarket cap ÷ Revenue | 1.39x | 0.57x |
| Price / BookPrice ÷ Book value/share | 1.82x | 0.98x |
| Price / FCFMarket cap ÷ FCF | 4.88x | 5.51x |
PRU leads this category, winning 5 of 6 comparable metrics.
Profitability & Efficiency
PRU leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
PRU delivers a 10.3% return on equity — every $100 of shareholder capital generates $10 in annual profit, vs $10 for PFG. PFG carries lower financial leverage with a 0.34x debt-to-equity ratio, signaling a more conservative balance sheet compared to PRU's 0.65x. On the Piotroski fundamental quality scale (0–9), PRU scores 7/9 vs PFG's 6/9, reflecting strong financial health.
| Metric | PFGPrincipal Financi… | PRUPrudential Financ… |
|---|---|---|
| ROE (TTM)Return on equity | +9.9% | +10.3% |
| ROA (TTM)Return on assets | +0.4% | +0.6% |
| ROICReturn on invested capital | +9.0% | +10.0% |
| ROCEReturn on capital employed | +0.4% | +0.9% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 7 |
| Debt / EquityFinancial leverage | 0.34x | 0.65x |
| Net DebtTotal debt minus cash | -$227M | $3.2B |
| Cash & Equiv.Liquid assets | $4.4B | $19.7B |
| Total DebtShort + long-term debt | $4.2B | $23.0B |
| Interest CoverageEBIT ÷ Interest expense | 644.64x | 4.76x |
PRU leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
PFG leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in PFG five years ago would be worth $17,072 today (with dividends reinvested), compared to $11,768 for PRU. Over the past 12 months, PFG leads with a +33.0% total return vs PRU's +3.6%. The 3-year compound annual growth rate (CAGR) favors PFG at 15.0% vs PRU's 11.7% — a key indicator of consistent wealth creation.
| Metric | PFGPrincipal Financi… | PRUPrudential Financ… |
|---|---|---|
| YTD ReturnYear-to-date | +12.8% | -11.5% |
| 1-Year ReturnPast 12 months | +33.0% | +3.6% |
| 3-Year ReturnCumulative with dividends | +52.3% | +39.5% |
| 5-Year ReturnCumulative with dividends | +70.7% | +17.7% |
| 10-Year ReturnCumulative with dividends | +195.8% | +89.0% |
| CAGR (3Y)Annualised 3-year return | +15.0% | +11.7% |
PFG leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
Evenly matched — PFG and PRU each lead in 1 of 2 comparable metrics.
Risk & Volatility
PRU is the less volatile stock with a 0.97 beta — it tends to amplify market swings less than PFG's 1.00 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. PFG currently trades 97.1% from its 52-week high vs PRU's 83.0% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | PFGPrincipal Financi… | PRUPrudential Financ… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.00x | 0.97x |
| 52-Week HighHighest price in past year | $103.00 | $119.76 |
| 52-Week LowLowest price in past year | $75.00 | $91.89 |
| % of 52W HighCurrent price vs 52-week peak | +97.1% | +83.0% |
| RSI (14)Momentum oscillator 0–100 | 69.4 | 58.1 |
| Avg Volume (50D)Average daily shares traded | 1.5M | 2.3M |
Evenly matched — PFG and PRU each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — PFG and PRU each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates PFG as "Hold" and PRU as "Hold". Consensus price targets imply 4.7% upside for PRU (target: $104) vs -5.5% for PFG (target: $95). For income investors, PRU offers the higher dividend yield at 5.54% vs PFG's 3.03%.
| Metric | PFGPrincipal Financi… | PRUPrudential Financ… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | $94.50 | $104.13 |
| # AnalystsCovering analysts | 25 | 37 |
| Dividend YieldAnnual dividend ÷ price | +3.0% | +5.5% |
| Dividend StreakConsecutive years of raises | 17 | 8 |
| Dividend / ShareAnnual DPS | $3.03 | $5.50 |
| Buyback YieldShare repurchases ÷ mkt cap | +4.2% | +2.9% |
Evenly matched — PFG and PRU each lead in 1 of 2 comparable metrics.
Key Takeaway
PFG leads in 2 of 6 categories (Income & Cash Flow, Total Returns). PRU leads in 2 (Valuation Metrics, Profitability & Efficiency). 2 tied.
Best OverallPrincipal Financial Group, … (PFG)Leads 2 of 6 categories
Loading custom metrics...
PFG vs PRU: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is PFG or PRU a better buy right now?
For growth investors, Principal Financial Group, Inc.
(PFG) is the stronger pick with -3. 1% revenue growth year-over-year, versus -14. 0% for Prudential Financial, Inc. (PRU). Prudential Financial, Inc. (PRU) offers the better valuation at 9. 7x trailing P/E (7. 3x forward), making it the more compelling value choice. Analysts rate Principal Financial Group, Inc. (PFG) a "Hold" — based on 25 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — PFG or PRU?
On trailing P/E, Prudential Financial, Inc.
(PRU) is the cheapest at 9. 7x versus Principal Financial Group, Inc. at 19. 1x. On forward P/E, Prudential Financial, Inc. is actually cheaper at 7. 3x.
03Which is the better long-term investment — PFG or PRU?
Over the past 5 years, Principal Financial Group, Inc.
(PFG) delivered a total return of +70. 7%, compared to +17. 7% for Prudential Financial, Inc. (PRU). Over 10 years, the gap is even starker: PFG returned +195. 8% versus PRU's +89. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — PFG or PRU?
By beta (market sensitivity over 5 years), Prudential Financial, Inc.
(PRU) is the lower-risk stock at 0. 97β versus Principal Financial Group, Inc. 's 1. 00β — meaning PFG is approximately 3% more volatile than PRU relative to the S&P 500. On balance sheet safety, Principal Financial Group, Inc. (PFG) carries a lower debt/equity ratio of 34% versus 65% for Prudential Financial, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — PFG or PRU?
By revenue growth (latest reported year), Principal Financial Group, Inc.
(PFG) is pulling ahead at -3. 1% versus -14. 0% for Prudential Financial, Inc. (PRU). On earnings-per-share growth, the picture is similar: Prudential Financial, Inc. grew EPS 36. 3% year-over-year, compared to -21. 4% for Principal Financial Group, Inc.. Over a 3-year CAGR, PRU leads at 2. 2% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — PFG or PRU?
Principal Financial Group, Inc.
(PFG) is the more profitable company, earning 7. 6% net margin versus 5. 9% for Prudential Financial, Inc. — meaning it keeps 7. 6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PFG leads at 9. 1% versus 7. 9% for PRU. At the gross margin level — before operating expenses — PFG leads at 45. 2%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is PFG or PRU more undervalued right now?
On forward earnings alone, Prudential Financial, Inc.
(PRU) trades at 7. 3x forward P/E versus 10. 7x for Principal Financial Group, Inc. — 3. 4x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for PRU: 4. 7% to $104. 13.
08Which pays a better dividend — PFG or PRU?
All stocks in this comparison pay dividends.
Prudential Financial, Inc. (PRU) offers the highest yield at 5. 5%, versus 3. 0% for Principal Financial Group, Inc. (PFG).
09Is PFG or PRU better for a retirement portfolio?
For long-horizon retirement investors, Principal Financial Group, Inc.
(PFG) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1. 00), 3. 0% yield, +195. 8% 10Y return). Both have compounded well over 10 years (PFG: +195. 8%, PRU: +89. 0%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between PFG and PRU?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: PFG is a mid-cap income-oriented stock; PRU is a mid-cap deep-value stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
Find Stocks Like These
Explore pre-built screens for each stock's profile, or build a custom screen to find stocks that outperform both.
Revenue Growth>
%
(PFG: -3.7% · PRU: 6.3%)Net Margin>
%
(PFG: 7.6% · PRU: 5.6%)P/E Ratio<
x
(PFG: 19.1x · PRU: 9.7x)You Might Also Compare
Based on how these companies actually compete and overlap — not just which sector they're filed under.