PFG vs. PUK: Principal Financial vs. Prudential Stock Comparison

Company Profile

Principal Financial (PFG) and Prudential (PUK) are both classified in the Life & Health Insurance sub-industry within the broader Insurance industry, placing them in the closest GICS peer bucket.

Principal Financial (PFG) trades as ordinary local shares, while Prudential (PUK) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both Principal Financial (PFG) at 16.11% and Prudential (PUK) at 18.74% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

Prudential (PUK) at 25.49% retains a top-quartile share of revenue as profit, ahead of Principal Financial (PFG) at 11.89%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for Principal Financial (PFG) in Insurance and Prudential (PUK) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Prudential (PUK) at 68.98% delivers above-range revenue growth, while Principal Financial (PFG) at -3.11% falls into the bottom quartile — a wide split in revenue momentum.

Prudential (PUK) at 82.74% sits in the top EPS growth quartile, while Principal Financial (PFG) at -21.41% is in the bottom quartile, showing a clear gap in earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Principal Financial (PFG) in Insurance and Prudential (PUK) 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-to-equity ratio is set aside for both: Principal Financial (PFG) in Insurance and Prudential (PUK) 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

Dividends

Principal Financial (PFG) at 2.88% delivers top-quartile income for its industry, while Prudential (PUK) at 1.10% pays a more typical yield — both are credible income propositions, PFG the richer one.

Prudential (PUK) at 18.71% pays out a band-typical share of earnings, while Principal Financial (PFG) at 36.19% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Prudential (PUK) at 8.72 sits in the cheaper P/E ratio quartile, while Principal Financial (PFG) at 12.35 is closer to its industry’s usual earnings multiple — a discount for PUK, though growth and earnings durability still matter.

On P/S ratio, both Principal Financial (PFG) at 1.42 and Prudential (PUK) at 2.12 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

Principal Financial (PFG) at 2.00 sits near its industry’s typical P/B ratio, while Prudential (PUK) at 6.29 prices above its benchmark range — PUK looks rich relative to book.

Valuation Metrics