PFG vs. PRU: Principal Financial vs. Prudential Financial Stock Comparison
How do Principal Financial (PFG) and Prudential Financial (PRU) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Principal Financial (PFG) and Prudential Financial (PRU) are both classified in the Life & Health Insurance sub-industry within the broader Insurance industry, placing them in the closest GICS peer bucket.
| Profile Item | PFG | PRU |
|---|---|---|
| Name | Principal Financial Group Inc. | Prudential Financial, Inc. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Life & Health Insurance | Life & Health Insurance |
| Market Capitalization | 23.55 billion USD | 40.90 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | NYSE |
| Listing Date | October 23, 2001 | December 13, 2001 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | PFG | PRU |
|---|---|---|
| Total Return (1Y) | 43.88% | 22.01% |
| Total Return (3Y, Annualized) | 22.99% | 16.20% |
| Total Return (5Y, Annualized) | 15.02% | 7.56% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | PFG | PRU |
|---|---|---|
| Volatility (1Y, Annualized) | 23.45% | 23.92% |
| Beta (5Y) | 0.86 | 0.82 |
| Max Drawdown (5Y) | -29.32% | -33.11% |
| Avg. Volume (3M) | 1.26M | 1.65M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | PFG | PRU |
|---|---|---|
| Sharpe Ratio (1Y) | 1.69 | 0.74 |
| Sortino Ratio (1Y) | 2.67 | 1.05 |
Profitability
ROE (TTM)
Both Principal Financial (PFG) at 16.11% and Prudential Financial (PRU) at 11.86% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.
PFG
Insurance industry group
16.11%
- Max
- 41.68%
- Q3
- 22.04%
- PFG
- 16.11%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
PRU
Insurance industry group
11.86%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- PRU
- 11.86%
- Q1
- 8.79%
- Min
- -10.66%
Net Margin (TTM)
Both Principal Financial (PFG) at 11.89% and Prudential Financial (PRU) at 6.27% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
PFG
Insurance industry group
11.89%
- Max
- 29.92%
- Q3
- 17.03%
- PFG
- 11.89%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
PRU
Insurance industry group
6.27%
- Max
- 29.92%
- Q3
- 17.03%
- Median
- 10.97%
- PRU
- 6.27%
- Q1
- 6.21%
- Min
- -4.68%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Principal Financial (PFG) in Insurance and Prudential Financial (PRU) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | PFG | PRU |
|---|---|---|
| ROE (TTM) | 16.11% | 11.86% |
| ROA (TTM) | 0.46% | 0.42% |
| Net Margin (TTM) | 11.89% | 6.27% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Principal Financial (PFG) at -3.11% and Prudential Financial (PRU) at -13.74% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.
EPS Growth
Prudential Financial (PRU) at 33.20% is around its peer norm for EPS growth, while Principal Financial (PFG) at -21.41% drops into the bottom quartile, signaling weaker earnings momentum.
Growth Metrics
| Metric | PFG | PRU |
|---|---|---|
| Revenue Growth (YoY) | -3.11% | -13.74% |
| Revenue Growth (3Y CAGR) | -3.77% | 2.28% |
| EPS Growth (YoY) | -21.41% | 33.20% |
| EPS Growth (3Y CAGR) | -34.44% | -- |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Principal Financial (PFG) in Insurance and Prudential Financial (PRU) in Insurance both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: Principal Financial (PFG) in Insurance and Prudential Financial (PRU) in Insurance run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | PFG | PRU |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Principal Financial (PFG) at 2.88% and Prudential Financial (PRU) at 4.53% offer top-quartile dividend income relative to share price within their industries.
PFG
Insurance industry group
2.88%
- Max
- 5.12%
- PFG
- 2.88%
- Q3
- 2.15%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
PRU
Insurance industry group
4.53%
- Max
- 5.12%
- PRU
- 4.53%
- Q3
- 2.15%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Principal Financial (PFG) at 36.19% and Prudential Financial (PRU) at 50.55% pay out an above-typical share of earnings for their industries, leaving thinner cover if profits dip.
PFG
Insurance industry group
36.19%
- Max
- 76.67%
- PFG
- 36.19%
- Q3
- 35.18%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
PRU
Insurance industry group
50.55%
- Max
- 76.67%
- PRU
- 50.55%
- Q3
- 35.18%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | PFG | PRU |
|---|---|---|
| Dividend Yield (TTM) | 2.88% | 4.53% |
| Dividend Payout Ratio (TTM) | 36.19% | 50.55% |
Valuation
P/E Ratio (TTM)
Both Principal Financial (PFG) at 12.35 and Prudential Financial (PRU) at 10.86 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
PFG
Insurance industry group
12.35
- Max
- 28.37
- Q3
- 18.75
- PFG
- 12.35
- Median
- 12.23
- Q1
- 9.08
- Min
- 2.32
PRU
Insurance industry group
10.86
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- PRU
- 10.86
- Q1
- 9.08
- Min
- 2.32
P/S Ratio (TTM)
Prudential Financial (PRU) at 0.66 sits in the cheaper P/S ratio quartile while Principal Financial (PFG) at 1.42 prices around its industry’s middle — PRU costs less per dollar of sales, though read it alongside growth and margins.
PFG
Insurance industry group
1.42
- Max
- 4.03
- Q3
- 2.25
- PFG
- 1.42
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
PRU
Insurance industry group
0.66
- Max
- 4.03
- Q3
- 2.25
- Median
- 1.23
- Q1
- 0.85
- PRU
- 0.66
- Min
- 0.07
P/B Ratio (MRQ)
On P/B ratio, both Principal Financial (PFG) at 2.00 and Prudential Financial (PRU) at 1.39 are valued close to their industries’ norm against book — neither stands out from peers.
PFG
Insurance industry group
2.00
- Max
- 5.07
- Q3
- 2.79
- PFG
- 2.00
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
PRU
Insurance industry group
1.39
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- PRU
- 1.39
- Q1
- 1.23
- Min
- 0.30
Valuation Metrics
| Metric | PFG | PRU |
|---|---|---|
| P/E Ratio (TTM) | 12.35 | 10.86 |
| P/S Ratio (TTM) | 1.42 | 0.66 |
| P/B Ratio (MRQ) | 2.00 | 1.39 |
| Free Cash Flow Yield (TTM) | -- | -- |