PRH
Prudential Financial, Inc. 5.95
Insurance - Life
Market Cap$8.27B
5Y Perf.-4.9%
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Stock Comparison
PRH vs UNM
Revenue, margins, valuation, and 5-year total return — side by side.
UNM
Unum Group
Insurance - Life
Market Cap$12.97B
5Y Perf.+112.2%
PRH vs UNM — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | PRH | UNM |
|---|---|---|
| Industry | Insurance - Life | Insurance - Life |
| Market Cap | $8.27B | $12.97B |
| Revenue (TTM) | $62.83B | $13.30B |
| Net Income (TTM) | $3.47B | $781M |
| Gross Margin | 45.2% | 33.9% |
| Operating Margin | 21.7% | 7.5% |
| Forward P/E | 1.7x | 9.2x |
| Total Debt | $20.30B | $3.90B |
| Cash & Equiv. | $19.71B | $158M |
PRH vs UNM — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
PRH
UNM
| Stock | Aug 22 | May 26 | Return |
|---|---|---|---|
| Prudential Financia… (PRH) | 100 | 95.1 | -4.9% |
| Unum Group (UNM) | 100 | 212.2 | +112.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: PRH vs UNM
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: PRH leads in 4 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Unum Group is the stronger pick specifically for growth and revenue expansion and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
PRH
Prudential Financial, Inc. 5.95
The Insurance Pick
PRH carries the broadest edge in this set and is the clearest fit for growth exposure.
- Rev growth -13.7%, EPS growth 32.7%, 3Y rev CAGR 3.6%
- Lower P/E (1.7x vs 9.2x)
- Combined ratio 0.9 vs UNM's 0.9 (lower = better underwriting)
Best for: growth exposure
UNM
Unum Group
The Insurance Pick
UNM is the clearest fit if your priority is income & stability and long-term compounding.
- Dividend streak 20 yrs, beta 0.48, yield 2.2%
- 177.2% 10Y total return vs PRH's 15.0%
- Lower volatility, beta 0.48, Low D/E 35.1%
Best for: income & stability and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | UNM | 2.1% revenue growth vs PRH's -13.7% |
| Value | PRH | Lower P/E (1.7x vs 9.2x) |
| Quality / Margins | PRH | Combined ratio 0.9 vs UNM's 0.9 (lower = better underwriting) |
| Stability / Safety | UNM | Beta 0.48 vs PRH's 0.78, lower leverage |
| Dividends | PRH | 22.9% yield, 13-year raise streak, vs UNM's 2.2% |
| Momentum (1Y) | PRH | +2.3% vs UNM's +2.0% |
| Efficiency (ROA) | UNM | 1.6% ROA vs PRH's 0.6%, ROIC 4.7% vs 9.4% |
PRH vs UNM — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
PRH vs UNM — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLPRHLAGGINGUNM
UNMUnum Group
2leads
PRHPrudential Financial,…
3leads
6 Total Categories
CATEGORYLEADERvs UNMMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
PRH4/6
Valuation MetricsMultiples, price ratios, and targets
PRH6/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
PRH5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
UNM5/6
Risk & VolatilityBeta, volatility, and downside exposure
UNM2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
PRH leads this category, winning 4 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
PRH is the larger business by revenue, generating $62.8B annually — 4.7x UNM's $13.3B. Profitability is closely matched — net margins range from 5.9% (UNM) to 5.5% (PRH). On growth, PRH holds the edge at +15.3% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | PRHPrudential Financ… | UNMUnum Group |
|---|---|---|
| RevenueTrailing 12 months | $62.8B | $13.3B |
| EBITDAEarnings before interest/tax | $13.4B | $1.1B |
| Net IncomeAfter-tax profit | $3.5B | $781M |
| Free Cash FlowCash after capex | $9.8B | $539M |
| Gross MarginGross profit ÷ Revenue | +45.2% | +33.9% |
| Operating MarginEBIT ÷ Revenue | +21.7% | +7.5% |
| Net MarginNet income ÷ Revenue | +5.5% | +5.9% |
| FCF MarginFCF ÷ Revenue | +15.6% | +4.1% |
| Rev. Growth (YoY)Latest quarter vs prior year | +15.3% | +9.0% |
| EPS Growth (YoY)Latest quarter vs prior year | -12.8% | +33.0% |
PRH leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
PRH leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
At 2.4x trailing earnings, PRH trades at a 87% valuation discount to UNM's 18.8x P/E. On an enterprise value basis, PRH's 1.8x EV/EBITDA is more attractive than UNM's 15.8x.
| Metric | PRHPrudential Financ… | UNMUnum Group |
|---|---|---|
| Market CapShares × price | $8.3B | $13.0B |
| Enterprise ValueMkt cap + debt − cash | $8.9B | $16.7B |
| Trailing P/EPrice ÷ TTM EPS | 2.38x | 18.76x |
| Forward P/EPrice ÷ next-FY EPS est. | 1.65x | 9.18x |
| PEG RatioP/E ÷ EPS growth rate | — | 9.73x |
| EV / EBITDAEnterprise value multiple | 1.80x | 15.82x |
| Price / SalesMarket cap ÷ Revenue | 0.14x | 0.99x |
| Price / BookPrice ÷ Book value/share | 0.24x | 1.25x |
| Price / FCFMarket cap ÷ FCF | 1.32x | 23.35x |
PRH leads this category, winning 6 of 6 comparable metrics.
Profitability & Efficiency
PRH leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
PRH delivers a 10.2% return on equity — every $100 of shareholder capital generates $10 in annual profit, vs $7 for UNM. UNM carries lower financial leverage with a 0.35x debt-to-equity ratio, signaling a more conservative balance sheet compared to PRH's 0.57x. On the Piotroski fundamental quality scale (0–9), PRH scores 7/9 vs UNM's 5/9, reflecting strong financial health.
| Metric | PRHPrudential Financ… | UNMUnum Group |
|---|---|---|
| ROE (TTM)Return on equity | +10.2% | +7.1% |
| ROA (TTM)Return on assets | +0.6% | +1.6% |
| ROICReturn on invested capital | +9.4% | +4.7% |
| ROCEReturn on capital employed | +0.6% | +1.5% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 5 |
| Debt / EquityFinancial leverage | 0.57x | 0.35x |
| Net DebtTotal debt minus cash | $587M | $3.7B |
| Cash & Equiv.Liquid assets | $19.7B | $158M |
| Total DebtShort + long-term debt | $20.3B | $3.9B |
| Interest CoverageEBIT ÷ Interest expense | 5.76x | 5.48x |
PRH leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
UNM leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in UNM five years ago would be worth $29,376 today (with dividends reinvested), compared to $11,503 for PRH. Over the past 12 months, PRH leads with a +2.3% total return vs UNM's +2.0%. The 3-year compound annual growth rate (CAGR) favors UNM at 24.0% vs PRH's 3.7% — a key indicator of consistent wealth creation.
| Metric | PRHPrudential Financ… | UNMUnum Group |
|---|---|---|
| YTD ReturnYear-to-date | -3.4% | +5.2% |
| 1-Year ReturnPast 12 months | +2.3% | +2.0% |
| 3-Year ReturnCumulative with dividends | +11.6% | +90.5% |
| 5-Year ReturnCumulative with dividends | +15.0% | +193.8% |
| 10-Year ReturnCumulative with dividends | +15.0% | +177.2% |
| CAGR (3Y)Annualised 3-year return | +3.7% | +24.0% |
UNM leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
UNM leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
UNM is the less volatile stock with a 0.48 beta — it tends to amplify market swings less than PRH's 0.78 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. UNM currently trades 96.6% from its 52-week high vs PRH's 90.9% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | PRHPrudential Financ… | UNMUnum Group |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.78x | 0.48x |
| 52-Week HighHighest price in past year | $26.15 | $83.13 |
| 52-Week LowLowest price in past year | $5.97 | $68.28 |
| % of 52W HighCurrent price vs 52-week peak | +90.9% | +96.6% |
| RSI (14)Momentum oscillator 0–100 | 61.5 | 61.0 |
| Avg Volume (50D)Average daily shares traded | 26K | 1.5M |
UNM leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — PRH and UNM each lead in 1 of 2 comparable metrics.
Analyst Outlook
For income investors, PRH offers the higher dividend yield at 22.91% vs UNM's 2.21%.
| Metric | PRHPrudential Financ… | UNMUnum Group |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Hold |
| Price TargetConsensus 12-month target | — | $98.00 |
| # AnalystsCovering analysts | — | 30 |
| Dividend YieldAnnual dividend ÷ price | +22.9% | +2.2% |
| Dividend StreakConsecutive years of raises | 13 | 20 |
| Dividend / ShareAnnual DPS | $5.45 | $1.77 |
| Buyback YieldShare repurchases ÷ mkt cap | +12.1% | +7.8% |
Evenly matched — PRH and UNM each lead in 1 of 2 comparable metrics.
Key Takeaway
PRH leads in 3 of 6 categories (Income & Cash Flow, Valuation Metrics). UNM leads in 2 (Total Returns, Risk & Volatility). 1 tied.
Best OverallPrudential Financial, Inc. … (PRH)Leads 3 of 6 categories
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PRH vs UNM: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is PRH or UNM a better buy right now?
For growth investors, Unum Group (UNM) is the stronger pick with 2.
1% revenue growth year-over-year, versus -13. 7% for Prudential Financial, Inc. 5. 95 (PRH). Prudential Financial, Inc. 5. 95 (PRH) offers the better valuation at 2. 4x trailing P/E (1. 7x forward), making it the more compelling value choice. Analysts rate Unum Group (UNM) a "Hold" — based on 30 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 — PRH or UNM?
On trailing P/E, Prudential Financial, Inc.
5. 95 (PRH) is the cheapest at 2. 4x versus Unum Group at 18. 8x. On forward P/E, Prudential Financial, Inc. 5. 95 is actually cheaper at 1. 7x.
03Which is the better long-term investment — PRH or UNM?
Over the past 5 years, Unum Group (UNM) delivered a total return of +193.
8%, compared to +15. 0% for Prudential Financial, Inc. 5. 95 (PRH). Over 10 years, the gap is even starker: UNM returned +177. 2% versus PRH's +15. 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 — PRH or UNM?
By beta (market sensitivity over 5 years), Unum Group (UNM) is the lower-risk stock at 0.
48β versus Prudential Financial, Inc. 5. 95's 0. 78β — meaning PRH is approximately 62% more volatile than UNM relative to the S&P 500. On balance sheet safety, Unum Group (UNM) carries a lower debt/equity ratio of 35% versus 57% for Prudential Financial, Inc. 5. 95 — giving it more financial flexibility in a downturn.
05Which is growing faster — PRH or UNM?
By revenue growth (latest reported year), Unum Group (UNM) is pulling ahead at 2.
1% versus -13. 7% for Prudential Financial, Inc. 5. 95 (PRH). On earnings-per-share growth, the picture is similar: Prudential Financial, Inc. 5. 95 grew EPS 32. 7% year-over-year, compared to -54. 8% for Unum Group. Over a 3-year CAGR, PRH leads at 3. 6% 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 — PRH or UNM?
Prudential Financial, Inc.
5. 95 (PRH) is the more profitable company, earning 5. 9% net margin versus 5. 7% for Unum Group — meaning it keeps 5. 9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PRH leads at 7. 9% versus 7. 2% for UNM. At the gross margin level — before operating expenses — PRH leads at 42. 0%, 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 PRH or UNM more undervalued right now?
On forward earnings alone, Prudential Financial, Inc.
5. 95 (PRH) trades at 1. 7x forward P/E versus 9. 2x for Unum Group — 7. 5x cheaper on a one-year earnings basis.
08Which pays a better dividend — PRH or UNM?
All stocks in this comparison pay dividends.
Prudential Financial, Inc. 5. 95 (PRH) offers the highest yield at 22. 9%, versus 2. 2% for Unum Group (UNM).
09Is PRH or UNM better for a retirement portfolio?
For long-horizon retirement investors, Unum Group (UNM) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
48), 2. 2% yield, +177. 2% 10Y return). Both have compounded well over 10 years (UNM: +177. 2%, PRH: +15. 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 PRH and UNM?
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: PRH is a small-cap deep-value stock; UNM is a mid-cap quality compounder 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.
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Revenue Growth>
%
(PRH: 15.3% · UNM: 9.0%)Net Margin>
%
(PRH: 5.5% · UNM: 5.9%)P/E Ratio<
x
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