AEG vs. PRU: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at AEG and PRU, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Overview
PRU’s market capitalization of 38.61 billion USD is significantly greater than AEG’s 11.53 billion USD, highlighting its more substantial market valuation.
With betas of 0.90 for AEG and 1.05 for PRU, both stocks show similar sensitivity to overall market movements.
AEG trades as an American Depositary Receipt (ADR), offering U.S. investors a convenient way to access its foreign-listed shares. In contrast, PRU is a standard domestic listing.
| Symbol | AEG | PRU |
|---|---|---|
| Company Name | Aegon N.V. | Prudential Financial, Inc. |
| Country | NL | US |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Diversified | Insurance - Life |
| CEO | E. Lard Friese | Andrew Francis Sullivan |
| Price | 7.28 USD | 109.08 USD |
| Market Cap | 11.53 billion USD | 38.61 billion USD |
| Beta | 0.90 | 1.05 |
| Exchange | NYSE | NYSE |
| IPO Date | June 28, 1985 | December 13, 2001 |
| ADR | Yes | No |
Historical Performance
This chart compares the performance of AEG and PRU by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period.
Data is adjusted for dividends and splits.
Profitability
Return on Equity
AEG
7.56%
Insurance - Diversified Industry
- Max
- 19.59%
- Q3
- 17.66%
- Median
- 12.77%
- Q1
- 7.56%
- Min
- -4.43%
AEG’s Return on Equity of 7.56% is on par with the norm for the Insurance - Diversified industry, indicating its profitability relative to shareholder equity is typical for the sector.
PRU
7.90%
Insurance - Life Industry
- Max
- 23.38%
- Q3
- 14.56%
- Median
- 11.23%
- Q1
- 1.67%
- Min
- -5.23%
PRU’s Return on Equity of 7.90% is on par with the norm for the Insurance - Life industry, indicating its profitability relative to shareholder equity is typical for the sector.
Return on Invested Capital
AEG
14,778.17%
Insurance - Diversified Industry
- Max
- 32.46%
- Q3
- 16.21%
- Median
- 9.46%
- Q1
- 2.09%
- Min
- -10.51%
Return on Invested Capital is often not a primary measure of capital efficiency in the Insurance - Diversified industry.
PRU
0.32%
Insurance - Life Industry
- Max
- 6.30%
- Q3
- 3.33%
- Median
- 2.16%
- Q1
- 0.68%
- Min
- -0.10%
Return on Invested Capital is often not a primary measure of capital efficiency in the Insurance - Life industry.
Net Profit Margin
AEG
2.60%
Insurance - Diversified Industry
- Max
- 26.00%
- Q3
- 19.46%
- Median
- 9.37%
- Q1
- 5.55%
- Min
- -7.05%
Falling into the lower quartile for the Insurance - Diversified industry, AEG’s Net Profit Margin of 2.60% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.
PRU
3.79%
Insurance - Life Industry
- Max
- 21.20%
- Q3
- 11.59%
- Median
- 7.10%
- Q1
- 3.79%
- Min
- 2.14%
Falling into the lower quartile for the Insurance - Life industry, PRU’s Net Profit Margin of 3.79% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.
Operating Profit Margin
AEG
25.84%
Insurance - Diversified Industry
- Max
- 44.52%
- Q3
- 25.84%
- Median
- 14.16%
- Q1
- 6.78%
- Min
- -2.60%
AEG’s Operating Profit Margin of 25.84% is around the midpoint for the Insurance - Diversified industry, indicating that its efficiency in managing core business operations is typical for the sector.
PRU
4.52%
Insurance - Life Industry
- Max
- 38.96%
- Q3
- 37.28%
- Median
- 14.06%
- Q1
- 8.95%
- Min
- -1.68%
In the Insurance - Life industry, Operating Profit Margin is often not the primary measure of operational efficiency.
Profitability at a Glance
| Symbol | AEG | PRU |
|---|---|---|
| Return on Equity (TTM) | 7.56% | 7.90% |
| Return on Assets (TTM) | 0.21% | 0.31% |
| Return on Invested Capital (TTM) | 14778.17% | 0.32% |
| Net Profit Margin (TTM) | 2.60% | 3.79% |
| Operating Profit Margin (TTM) | 25.84% | 4.52% |
| Gross Profit Margin (TTM) | 100.00% | 27.02% |
Financial Strength
Current Ratio
AEG
--
Insurance - Diversified Industry
- Max
- 4.41
- Q3
- 4.03
- Median
- 2.86
- Q1
- 2.82
- Min
- 2.82
Current Ratio data for AEG is currently unavailable.
PRU
6.06
Insurance - Life Industry
- Max
- 843.97
- Q3
- 821.68
- Median
- 6.06
- Q1
- 3.15
- Min
- 0.47
PRU’s Current Ratio of 6.06 aligns with the median group of the Insurance - Life industry, indicating that its short-term liquidity is in line with its sector peers.
Debt-to-Equity Ratio
AEG
0.54
Insurance - Diversified Industry
- Max
- 0.54
- Q3
- 0.39
- Median
- 0.27
- Q1
- 0.21
- Min
- 0.13
AEG’s leverage is in the upper quartile of the Insurance - Diversified industry, with a Debt-to-Equity Ratio of 0.54. While this approach can boost equity growth, it also exposes the company to greater financial vulnerability.
PRU
0.75
Insurance - Life Industry
- Max
- 0.86
- Q3
- 0.83
- Median
- 0.55
- Q1
- 0.37
- Min
- 0.27
PRU’s Debt-to-Equity Ratio of 0.75 is typical for the Insurance - Life industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.
Interest Coverage Ratio
AEG
1,113.58
Insurance - Diversified Industry
- Max
- 19.23
- Q3
- 17.46
- Median
- 7.97
- Q1
- 4.61
- Min
- -1.63
With an Interest Coverage Ratio of 1,113.58, AEG demonstrates a superior capacity to service its debt, placing it well above the typical range for the Insurance - Diversified industry. This stems from either robust earnings or a conservative debt load.
PRU
--
Insurance - Life Industry
- Max
- 37.82
- Q3
- 19.50
- Median
- 6.25
- Q1
- 2.29
- Min
- -0.76
Interest Coverage Ratio data for PRU is currently unavailable.
Financial Strength at a Glance
| Symbol | AEG | PRU |
|---|---|---|
| Current Ratio (TTM) | -- | 6.06 |
| Quick Ratio (TTM) | -- | 6.06 |
| Debt-to-Equity Ratio (TTM) | 0.54 | 0.75 |
| Debt-to-Asset Ratio (TTM) | 0.02 | 0.03 |
| Net Debt-to-EBITDA Ratio (TTM) | 0.39 | 2.47 |
| Interest Coverage Ratio (TTM) | 1113.58 | -- |
Growth
The following charts compare key year-over-year (YoY) growth metrics for AEG and PRU. These metrics are based on the companies’ annual financial reports.
Revenue Growth
Earnings Per Share (EPS) Growth
Free Cash Flow Growth
Dividend
Dividend Yield
AEG
5.02%
Insurance - Diversified Industry
- Max
- 8.16%
- Q3
- 5.54%
- Median
- 2.46%
- Q1
- 1.59%
- Min
- 0.00%
AEG’s Dividend Yield of 5.02% is consistent with its peers in the Insurance - Diversified industry, providing a dividend return that is standard for its sector.
PRU
4.86%
Insurance - Life Industry
- Max
- 10.36%
- Q3
- 4.76%
- Median
- 2.40%
- Q1
- 1.51%
- Min
- 0.00%
With a Dividend Yield of 4.86%, PRU offers a more attractive income stream than most of its peers in the Insurance - Life industry, signaling a strong commitment to shareholder returns.
Dividend Payout Ratio
AEG
101.86%
Insurance - Diversified Industry
- Max
- 101.86%
- Q3
- 53.36%
- Median
- 21.69%
- Q1
- 5.33%
- Min
- 0.00%
AEG’s Dividend Payout Ratio of 101.86% is above 100%. This means the company is paying out more in dividends than it earned, a practice that is often unsustainable and could indicate a risk to future dividend stability.
PRU
82.71%
Insurance - Life Industry
- Max
- 203.94%
- Q3
- 64.38%
- Median
- 29.88%
- Q1
- 19.14%
- Min
- 0.00%
PRU’s Dividend Payout Ratio of 82.71% is in the upper quartile for the Insurance - Life industry. This indicates a strong commitment to shareholder returns but also suggests that a smaller portion of earnings is retained for reinvestment compared to many peers.
Dividend at a Glance
| Symbol | AEG | PRU |
|---|---|---|
| Dividend Yield (TTM) | 5.02% | 4.86% |
| Dividend Payout Ratio (TTM) | 101.86% | 82.71% |
Valuation
Price-to-Earnings Ratio
AEG
18.09
Insurance - Diversified Industry
- Max
- 18.52
- Q3
- 16.13
- Median
- 13.33
- Q1
- 9.73
- Min
- 2.62
A P/E Ratio of 18.09 places AEG in the upper quartile for the Insurance - Diversified industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.
PRU
16.83
Insurance - Life Industry
- Max
- 17.82
- Q3
- 16.08
- Median
- 12.43
- Q1
- 7.33
- Min
- 3.69
A P/E Ratio of 16.83 places PRU in the upper quartile for the Insurance - Life industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.
Forward P/E to Growth Ratio
AEG
2.03
Insurance - Diversified Industry
- Max
- 2.60
- Q3
- 2.07
- Median
- 1.20
- Q1
- 0.77
- Min
- 0.04
AEG’s Forward PEG Ratio of 2.03 is within the middle range of its peers in the Insurance - Diversified industry. This suggests a reasonable balance between the stock’s price and its expected growth, aligning with sector valuation norms.
PRU
2.22
Insurance - Life Industry
- Max
- 3.81
- Q3
- 1.95
- Median
- 0.97
- Q1
- 0.53
- Min
- 0.24
A Forward PEG Ratio of 2.22 places PRU in the upper quartile for the Insurance - Life industry. This suggests the stock is potentially expensive compared to its peers relative to its growth forecast, which may warrant caution.
Price-to-Sales Ratio
AEG
0.37
Insurance - Diversified Industry
- Max
- 3.08
- Q3
- 2.00
- Median
- 1.15
- Q1
- 1.07
- Min
- 0.38
AEG’s P/S Ratio of 0.37 falls below the typical floor for the Insurance - Diversified industry. This could suggest the stock is overlooked or deeply undervalued relative to its sales, but may also reflect significant market concerns about its future.
PRU
0.64
Insurance - Life Industry
- Max
- 3.84
- Q3
- 2.89
- Median
- 1.06
- Q1
- 0.63
- Min
- 0.31
PRU’s P/S Ratio of 0.64 aligns with the market consensus for the Insurance - Life industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.
Price-to-Book Ratio
AEG
1.33
Insurance - Diversified Industry
- Max
- 2.12
- Q3
- 1.80
- Median
- 1.59
- Q1
- 1.29
- Min
- 0.74
AEG’s P/B Ratio of 1.33 is within the conventional range for the Insurance - Diversified industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.
PRU
1.29
Insurance - Life Industry
- Max
- 3.87
- Q3
- 2.13
- Median
- 1.49
- Q1
- 0.95
- Min
- 0.38
PRU’s P/B Ratio of 1.29 is within the conventional range for the Insurance - Life industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.
Valuation at a Glance
| Symbol | AEG | PRU |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | 18.09 | 16.83 |
| Forward PEG Ratio (TTM) | 2.03 | 2.22 |
| Price-to-Sales Ratio (P/S, TTM) | 0.37 | 0.64 |
| Price-to-Book Ratio (P/B, TTM) | 1.33 | 1.29 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | 10.76 | 49.82 |
| EV-to-EBITDA (TTM) | 2.84 | 17.53 |
| EV-to-Sales (TTM) | 0.43 | 0.74 |