PRU vs. STT: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at PRU and STT, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | PRU | STT |
|---|---|---|
| Company Name | Prudential Financial, Inc. | State Street Corporation |
| Country | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry | Insurance | Capital Markets |
| Market Capitalization | 36.33 billion USD | 33.16 billion USD |
| Exchange | NYSE | NYSE |
| Listing Date | December 13, 2001 | March 17, 1980 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of PRU and STT 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.
Historical Performance at a Glance
| Symbol | PRU | STT |
|---|---|---|
| 5-Day Price Return | -0.50% | 0.77% |
| 13-Week Price Return | -3.03% | 6.51% |
| 26-Week Price Return | -7.58% | 31.61% |
| 52-Week Price Return | -13.19% | 35.99% |
| Month-to-Date Return | -0.50% | 0.77% |
| Year-to-Date Return | -12.92% | 19.10% |
| 10-Day Avg. Volume | 1.39M | 1.38M |
| 3-Month Avg. Volume | 1.61M | 1.86M |
| 3-Month Volatility | 21.59% | 23.67% |
| Beta | 0.99 | 1.48 |
Profitability
Return on Equity (TTM)
PRU
5.49%
Insurance Industry
- Max
- 30.96%
- Q3
- 18.76%
- Median
- 14.22%
- Q1
- 10.34%
- Min
- 1.73%
PRU’s Return on Equity of 5.49% is in the lower quartile for the Insurance industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.
STT
10.85%
Capital Markets Industry
- Max
- 38.97%
- Q3
- 22.24%
- Median
- 13.52%
- Q1
- 8.61%
- Min
- -4.25%
STT’s Return on Equity of 10.85% is on par with the norm for the Capital Markets industry, indicating its profitability relative to shareholder equity is typical for the sector.
Net Profit Margin (TTM)
PRU
2.96%
Insurance Industry
- Max
- 26.78%
- Q3
- 14.69%
- Median
- 9.87%
- Q1
- 6.59%
- Min
- -3.51%
Falling into the lower quartile for the Insurance industry, PRU’s Net Profit Margin of 2.96% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.
STT
20.50%
Capital Markets Industry
- Max
- 69.91%
- Q3
- 37.24%
- Median
- 24.30%
- Q1
- 13.06%
- Min
- -15.18%
STT’s Net Profit Margin of 20.50% is aligned with the median group of its peers in the Capital Markets industry. This indicates its ability to convert revenue into profit is typical for the sector.
Operating Profit Margin (TTM)
PRU
3.74%
Insurance Industry
- Max
- 34.52%
- Q3
- 20.17%
- Median
- 14.46%
- Q1
- 9.62%
- Min
- -2.51%
In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.
STT
24.96%
Capital Markets Industry
- Max
- 84.86%
- Q3
- 47.16%
- Median
- 32.23%
- Q1
- 18.65%
- Min
- -21.87%
STT’s Operating Profit Margin of 24.96% is around the midpoint for the Capital Markets industry, indicating that its efficiency in managing core business operations is typical for the sector.
Profitability at a Glance
| Symbol | PRU | STT |
|---|---|---|
| Return on Equity (TTM) | 5.49% | 10.85% |
| Return on Assets (TTM) | 0.22% | 0.79% |
| Net Profit Margin (TTM) | 2.96% | 20.50% |
| Operating Profit Margin (TTM) | 3.74% | 24.96% |
| Gross Profit Margin (TTM) | -- | -- |
Financial Strength
Current Ratio (MRQ)
PRU
--
Insurance Industry
- Max
- 2.97
- Q3
- 1.37
- Median
- 0.54
- Q1
- 0.15
- Min
- 0.00
For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
STT
--
Capital Markets Industry
- Max
- 3.37
- Q3
- 1.81
- Median
- 1.01
- Q1
- 0.56
- Min
- 0.04
For the Capital Markets industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
Debt-to-Equity Ratio (MRQ)
PRU
0.71
Insurance Industry
- Max
- 1.25
- Q3
- 0.65
- Median
- 0.34
- Q1
- 0.23
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.
STT
1.40
Capital Markets Industry
- Max
- 6.52
- Q3
- 2.79
- Median
- 0.96
- Q1
- 0.28
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Capital Markets industry.
Interest Coverage Ratio (TTM)
PRU
--
Insurance Industry
- Max
- 43.68
- Q3
- 21.45
- Median
- 9.67
- Q1
- 3.55
- Min
- -5.73
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.
STT
--
Capital Markets Industry
- Max
- 107.59
- Q3
- 48.41
- Median
- 10.85
- Q1
- 4.56
- Min
- -36.26
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Capital Markets industry.
Financial Strength at a Glance
| Symbol | PRU | STT |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Quick Ratio (MRQ) | -- | -- |
| Debt-to-Equity Ratio (MRQ) | 0.71 | 1.40 |
| Interest Coverage Ratio (TTM) | -- | -- |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
PRU
5.20%
Insurance Industry
- Max
- 9.80%
- Q3
- 5.18%
- Median
- 3.58%
- Q1
- 2.07%
- Min
- 0.00%
With a Dividend Yield of 5.20%, PRU offers a more attractive income stream than most of its peers in the Insurance industry, signaling a strong commitment to shareholder returns.
STT
3.25%
Capital Markets Industry
- Max
- 9.02%
- Q3
- 4.54%
- Median
- 2.55%
- Q1
- 1.27%
- Min
- 0.00%
STT’s Dividend Yield of 3.25% is consistent with its peers in the Capital Markets industry, providing a dividend return that is standard for its sector.
Dividend Payout Ratio (TTM)
PRU
85.37%
Insurance Industry
- Max
- 169.40%
- Q3
- 85.57%
- Median
- 53.26%
- Q1
- 23.68%
- Min
- 0.00%
PRU’s Dividend Payout Ratio of 85.37% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
STT
37.74%
Capital Markets Industry
- Max
- 199.38%
- Q3
- 99.28%
- Median
- 60.67%
- Q1
- 32.00%
- Min
- 0.00%
STT’s Dividend Payout Ratio of 37.74% is within the typical range for the Capital Markets industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
Dividend at a Glance
| Symbol | PRU | STT |
|---|---|---|
| Dividend Yield (TTM) | 5.20% | 3.25% |
| Dividend Payout Ratio (TTM) | 85.37% | 37.74% |
Valuation
Price-to-Earnings Ratio (TTM)
PRU
22.48
Insurance Industry
- Max
- 30.75
- Q3
- 18.11
- Median
- 12.67
- Q1
- 9.66
- Min
- 2.87
A P/E Ratio of 22.48 places PRU in the upper quartile for the Insurance industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.
STT
11.60
Capital Markets Industry
- Max
- 51.69
- Q3
- 29.42
- Median
- 17.58
- Q1
- 12.55
- Min
- 5.59
In the lower quartile for the Capital Markets industry, STT’s P/E Ratio of 11.60 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.
Price-to-Sales Ratio (TTM)
PRU
0.66
Insurance Industry
- Max
- 3.41
- Q3
- 1.88
- Median
- 1.22
- Q1
- 0.80
- Min
- 0.23
In the lower quartile for the Insurance industry, PRU’s P/S Ratio of 0.66 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.
STT
1.80
Capital Markets Industry
- Max
- 14.65
- Q3
- 7.29
- Median
- 4.53
- Q1
- 2.26
- Min
- 0.04
In the lower quartile for the Capital Markets industry, STT’s P/S Ratio of 1.80 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.
Price-to-Book Ratio (MRQ)
PRU
1.24
Insurance Industry
- Max
- 4.57
- Q3
- 2.56
- Median
- 1.88
- Q1
- 1.20
- Min
- 0.17
PRU’s P/B Ratio of 1.24 is within the conventional range for the Insurance 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.
STT
1.11
Capital Markets Industry
- Max
- 10.83
- Q3
- 5.12
- Median
- 2.66
- Q1
- 1.19
- Min
- 0.37
STT’s P/B Ratio of 1.11 is in the lower quartile for the Capital Markets industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.
Valuation at a Glance
| Symbol | PRU | STT |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 22.48 | 11.60 |
| Price-to-Sales Ratio (TTM) | 0.66 | 1.80 |
| Price-to-Book Ratio (MRQ) | 1.24 | 1.11 |
| Price-to-Free Cash Flow Ratio (TTM) | 7.99 | 7.12 |