PRU
Prudential Financial, Inc.
Insurance - Life
Market Cap$34.58B
5Y Perf.+63.1%
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Stock Comparison
PRU vs GNW
Revenue, margins, valuation, and 5-year total return — side by side.
GNW
Genworth Financial, Inc.
Insurance - Life
Market Cap$3.52B
5Y Perf.+199.7%
PRU vs GNW — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | PRU | GNW |
|---|---|---|
| Industry | Insurance - Life | Insurance - Life |
| Market Cap | $34.58B | $3.52B |
| Revenue (TTM) | $61.82B | $6.87B |
| Net Income (TTM) | $3.48B | $249M |
| Gross Margin | 30.8% | 7.6% |
| Operating Margin | 8.2% | 5.6% |
| Forward P/E | 7.3x | 21.3x |
| Total Debt | $22.96B | $1.51B |
| Cash & Equiv. | $19.71B | $2.04B |
PRU vs GNW — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
PRU
GNW
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Prudential Financia… (PRU) | 100 | 163.1 | +63.1% |
| Genworth Financial,… (GNW) | 100 | 299.7 | +199.7% |
Price return only. Dividends and distributions are not included.
Quick Verdict: PRU vs GNW
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: PRU leads in 4 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Genworth Financial, Inc. 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.
PRU
Prudential Financial, Inc.
The Insurance Pick
PRU carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 8 yrs, beta 0.97, yield 5.5%
- Rev growth -14.0%, EPS growth 36.3%, 3Y rev CAGR 2.2%
- Lower P/E (7.3x vs 21.3x)
Best for: income & stability and growth exposure
GNW
Genworth Financial, Inc.
The Insurance Pick
GNW is the clearest fit if your priority is long-term compounding and sleep-well-at-night.
- 148.4% 10Y total return vs PRU's 89.0%
- Lower volatility, beta 0.71, Low D/E 15.5%, current ratio 1.91x
- Beta 0.71, current ratio 1.91x
Best for: long-term compounding and sleep-well-at-night
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | GNW | -10.9% revenue growth vs PRU's -14.0% |
| Value | PRU | Lower P/E (7.3x vs 21.3x) |
| Quality / Margins | PRU | Combined ratio 0.9 vs GNW's 0.9 (lower = better underwriting) |
| Stability / Safety | GNW | Beta 0.71 vs PRU's 0.97, lower leverage |
| Dividends | PRU | 5.5% yield; 8-year raise streak; the other pay no meaningful dividend |
| Momentum (1Y) | GNW | +32.3% vs PRU's +3.6% |
| Efficiency (ROA) | PRU | 0.6% ROA vs GNW's 0.3%, ROIC 10.0% vs 3.6% |
PRU vs GNW — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2024
PRU vs GNW — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLPRULAGGINGGNW
GNWGenworth Financial, I…
2leads
PRUPrudential Financial,…
3leads
6 Total Categories
CATEGORYLEADERvs GNWMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
PRU5/6
Valuation MetricsMultiples, price ratios, and targets
Tied
—
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
PRU5/8
Total Returns1Y, 3Y, 5Y total returns with dividends
GNW6/6
Risk & VolatilityBeta, volatility, and downside exposure
GNW2/2
Analyst OutlookRatings, price targets, and dividends
PRU1/1
Income & Cash Flow (Last 12 Months)
PRU leads this category, winning 5 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
PRU is the larger business by revenue, generating $61.8B annually — 9.0x GNW's $6.9B. Profitability is closely matched — net margins range from 5.6% (PRU) to 3.6% (GNW). On growth, PRU holds the edge at +6.3% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | PRUPrudential Financ… | GNWGenworth Financia… |
|---|---|---|
| RevenueTrailing 12 months | $61.8B | $6.9B |
| EBITDAEarnings before interest/tax | $5.4B | $466M |
| Net IncomeAfter-tax profit | $3.5B | $249M |
| Free Cash FlowCash after capex | $9.8B | $384M |
| Gross MarginGross profit ÷ Revenue | +30.8% | +7.6% |
| Operating MarginEBIT ÷ Revenue | +8.2% | +5.6% |
| Net MarginNet income ÷ Revenue | +5.6% | +3.6% |
| FCF MarginFCF ÷ Revenue | +15.8% | +5.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | +6.3% | -0.1% |
| EPS Growth (YoY)Latest quarter vs prior year | -12.8% | -7.7% |
PRU leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
Evenly matched — PRU and GNW each lead in 3 of 6 comparable metrics.
Valuation Metrics
At 9.7x trailing earnings, PRU trades at a 43% valuation discount to GNW's 16.9x P/E. On an enterprise value basis, GNW's 5.7x EV/EBITDA is more attractive than PRU's 7.7x.
| Metric | PRUPrudential Financ… | GNWGenworth Financia… |
|---|---|---|
| Market CapShares × price | $34.6B | $3.5B |
| Enterprise ValueMkt cap + debt − cash | $37.8B | $3.0B |
| Trailing P/EPrice ÷ TTM EPS | 9.73x | 16.93x |
| Forward P/EPrice ÷ next-FY EPS est. | 7.35x | 21.26x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 7.70x | 5.70x |
| Price / SalesMarket cap ÷ Revenue | 0.57x | 0.55x |
| Price / BookPrice ÷ Book value/share | 0.98x | 0.39x |
| Price / FCFMarket cap ÷ FCF | 5.51x | 10.77x |
Evenly matched — PRU and GNW each lead in 3 of 6 comparable metrics.
Profitability & Efficiency
PRU leads this category, winning 5 of 8 comparable metrics.
Profitability & Efficiency
PRU delivers a 10.3% return on equity — every $100 of shareholder capital generates $10 in annual profit, vs $3 for GNW. GNW carries lower financial leverage with a 0.15x debt-to-equity ratio, signaling a more conservative balance sheet compared to PRU's 0.65x.
| Metric | PRUPrudential Financ… | GNWGenworth Financia… |
|---|---|---|
| ROE (TTM)Return on equity | +10.3% | +2.5% |
| ROA (TTM)Return on assets | +0.6% | +0.3% |
| ROICReturn on invested capital | +10.0% | +3.6% |
| ROCEReturn on capital employed | +0.9% | +0.6% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 7 |
| Debt / EquityFinancial leverage | 0.65x | 0.15x |
| Net DebtTotal debt minus cash | $3.2B | -$523M |
| Cash & Equiv.Liquid assets | $19.7B | $2.0B |
| Total DebtShort + long-term debt | $23.0B | $1.5B |
| Interest CoverageEBIT ÷ Interest expense | 4.76x | 3.71x |
PRU leads this category, winning 5 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
GNW leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in GNW five years ago would be worth $21,109 today (with dividends reinvested), compared to $11,768 for PRU. Over the past 12 months, GNW leads with a +32.3% total return vs PRU's +3.6%. The 3-year compound annual growth rate (CAGR) favors GNW at 20.5% vs PRU's 11.7% — a key indicator of consistent wealth creation.
| Metric | PRUPrudential Financ… | GNWGenworth Financia… |
|---|---|---|
| YTD ReturnYear-to-date | -11.5% | +1.9% |
| 1-Year ReturnPast 12 months | +3.6% | +32.3% |
| 3-Year ReturnCumulative with dividends | +39.5% | +74.8% |
| 5-Year ReturnCumulative with dividends | +17.7% | +111.1% |
| 10-Year ReturnCumulative with dividends | +89.0% | +148.4% |
| CAGR (3Y)Annualised 3-year return | +11.7% | +20.5% |
GNW leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
GNW leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
GNW is the less volatile stock with a 0.71 beta — it tends to amplify market swings less than PRU's 0.97 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. GNW currently trades 96.7% from its 52-week high vs PRU's 83.0% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | PRUPrudential Financ… | GNWGenworth Financia… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.97x | 0.71x |
| 52-Week HighHighest price in past year | $119.76 | $9.45 |
| 52-Week LowLowest price in past year | $91.89 | $6.63 |
| % of 52W HighCurrent price vs 52-week peak | +83.0% | +96.7% |
| RSI (14)Momentum oscillator 0–100 | 58.1 | 68.1 |
| Avg Volume (50D)Average daily shares traded | 2.3M | 3.0M |
GNW leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
PRU leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
Wall Street rates PRU as "Hold" and GNW as "Hold". PRU is the only dividend payer here at 5.54% yield — a key consideration for income-focused portfolios.
| Metric | PRUPrudential Financ… | GNWGenworth Financia… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | $104.13 | — |
| # AnalystsCovering analysts | 37 | 17 |
| Dividend YieldAnnual dividend ÷ price | +5.5% | — |
| Dividend StreakConsecutive years of raises | 8 | 0 |
| Dividend / ShareAnnual DPS | $5.50 | — |
| Buyback YieldShare repurchases ÷ mkt cap | +2.9% | +9.1% |
PRU leads this category, winning 1 of 1 comparable metric.
Key Takeaway
PRU leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). GNW leads in 2 (Total Returns, Risk & Volatility). 1 tied.
Best OverallPrudential Financial, Inc. (PRU)Leads 3 of 6 categories
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PRU vs GNW: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is PRU or GNW a better buy right now?
For growth investors, Genworth Financial, Inc.
(GNW) is the stronger pick with -10. 9% 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 Prudential Financial, Inc. (PRU) a "Hold" — based on 37 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 — PRU or GNW?
On trailing P/E, Prudential Financial, Inc.
(PRU) is the cheapest at 9. 7x versus Genworth Financial, Inc. at 16. 9x. On forward P/E, Prudential Financial, Inc. is actually cheaper at 7. 3x.
03Which is the better long-term investment — PRU or GNW?
Over the past 5 years, Genworth Financial, Inc.
(GNW) delivered a total return of +111. 1%, compared to +17. 7% for Prudential Financial, Inc. (PRU). Over 10 years, the gap is even starker: GNW returned +148. 4% 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 — PRU or GNW?
By beta (market sensitivity over 5 years), Genworth Financial, Inc.
(GNW) is the lower-risk stock at 0. 71β versus Prudential Financial, Inc. 's 0. 97β — meaning PRU is approximately 36% more volatile than GNW relative to the S&P 500. On balance sheet safety, Genworth Financial, Inc. (GNW) carries a lower debt/equity ratio of 15% versus 65% for Prudential Financial, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — PRU or GNW?
By revenue growth (latest reported year), Genworth Financial, Inc.
(GNW) is pulling ahead at -10. 9% 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 -20. 6% for Genworth Financial, 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 — PRU or GNW?
Prudential Financial, Inc.
(PRU) is the more profitable company, earning 5. 9% net margin versus 3. 5% for Genworth Financial, Inc. — meaning it keeps 5. 9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PRU leads at 7. 9% versus 6. 8% for GNW. At the gross margin level — before operating expenses — PRU 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 PRU or GNW more undervalued right now?
On forward earnings alone, Prudential Financial, Inc.
(PRU) trades at 7. 3x forward P/E versus 21. 3x for Genworth Financial, Inc. — 13. 9x cheaper on a one-year earnings basis.
08Which pays a better dividend — PRU or GNW?
In this comparison, PRU (5.
5% yield) pays a dividend. GNW does not pay a meaningful dividend and should not be held primarily for income.
09Is PRU or GNW better for a retirement portfolio?
For long-horizon retirement investors, Prudential Financial, Inc.
(PRU) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 97), 5. 5% yield). Both have compounded well over 10 years (PRU: +89. 0%, GNW: +148. 4%), 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 PRU and GNW?
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.
PRU pays a dividend while GNW does not, making them suitable for different income and tax situations. 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>
%
(PRU: 6.3% · GNW: -0.1%)Net Margin>
%
(PRU: 5.6% · GNW: 3.6%)P/E Ratio<
x
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