PRU vs. UNM: Prudential Financial vs. Unum Stock Comparison
How do Prudential Financial (PRU) and Unum (UNM) 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
Prudential Financial (PRU) and Unum (UNM) 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 | PRU | UNM |
|---|---|---|
| Name | Prudential Financial, Inc. | Unum Group |
| 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 | 40.90 billion USD | 11.89 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | December 13, 2001 | November 6, 1986 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | PRU | UNM |
|---|---|---|
| Total Return (1Y) | 22.01% | 4.52% |
| Total Return (3Y, Annualized) | 16.20% | 25.65% |
| Total Return (5Y, Annualized) | 7.56% | 29.12% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | PRU | UNM |
|---|---|---|
| Volatility (1Y, Annualized) | 23.92% | 29.31% |
| Beta (5Y) | 0.82 | 0.28 |
| Max Drawdown (5Y) | -33.11% | -23.00% |
| Avg. Volume (3M) | 1.65M | 1.86M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | PRU | UNM |
|---|---|---|
| Sharpe Ratio (1Y) | 0.74 | 0.01 |
| Sortino Ratio (1Y) | 1.05 | 0.01 |
Profitability
ROE (TTM)
Prudential Financial (PRU) at 11.86% is around its peer norm for ROE, while Unum (UNM) at 2.25% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.
PRU
Insurance industry group
11.86%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- PRU
- 11.86%
- Q1
- 8.79%
- Min
- -10.66%
UNM
Insurance industry group
2.25%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- UNM
- 2.25%
- Min
- -10.66%
Net Margin (TTM)
Prudential Financial (PRU) at 6.27% keeps about the industry-typical share of revenue as profit, while Unum (UNM) at 1.94% retains only a bottom-quartile share.
PRU
Insurance industry group
6.27%
- Max
- 29.92%
- Q3
- 17.03%
- Median
- 10.97%
- PRU
- 6.27%
- Q1
- 6.21%
- Min
- -4.68%
UNM
Insurance industry group
1.94%
- Max
- 29.92%
- Q3
- 17.03%
- Median
- 10.97%
- Q1
- 6.21%
- UNM
- 1.94%
- Min
- -4.68%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Prudential Financial (PRU) in Insurance and Unum (UNM) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | PRU | UNM |
|---|---|---|
| ROE (TTM) | 11.86% | 2.25% |
| ROA (TTM) | 0.42% | 0.51% |
| Net Margin (TTM) | 6.27% | 1.94% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Prudential Financial (PRU) at -13.74% and Unum (UNM) at 1.52% 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 Unum (UNM) at -54.86% drops into the bottom quartile, signaling weaker earnings momentum.
Growth Metrics
| Metric | PRU | UNM |
|---|---|---|
| Revenue Growth (YoY) | -13.74% | 1.52% |
| Revenue Growth (3Y CAGR) | 2.28% | 3.02% |
| EPS Growth (YoY) | 33.20% | -54.86% |
| EPS Growth (3Y CAGR) | -- | -13.07% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Prudential Financial (PRU) in Insurance and Unum (UNM) 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: Prudential Financial (PRU) in Insurance and Unum (UNM) 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 | PRU | UNM |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Prudential Financial (PRU) at 4.53% and Unum (UNM) at 2.61% offer top-quartile dividend income relative to share price within their industries.
PRU
Insurance industry group
4.53%
- Max
- 5.12%
- PRU
- 4.53%
- Q3
- 2.15%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
UNM
Insurance industry group
2.61%
- Max
- 5.12%
- UNM
- 2.61%
- Q3
- 2.15%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Unum (UNM) reports payout ratio above 100% at 128.23%, meaning dividends exceeded current-period earnings and sustainability needs extra context. Meanwhile Prudential Financial (PRU) reports 50.55%, ranking against industry peers normally.
PRU
Insurance industry group
50.55%
- Max
- 76.67%
- PRU
- 50.55%
- Q3
- 35.18%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
UNM
Insurance industry group
128.23%
- UNM
- 128.23%
- Max
- 76.67%
- Q3
- 35.18%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | PRU | UNM |
|---|---|---|
| Dividend Yield (TTM) | 4.53% | 2.61% |
| Dividend Payout Ratio (TTM) | 50.55% | 128.23% |
Valuation
P/E Ratio (TTM)
Prudential Financial (PRU) at 10.86 is near its industry’s usual P/E ratio, while Unum (UNM) at 52.21 sits above its peer range — an unusually expensive price for UNM’s trailing earnings.
PRU
Insurance industry group
10.86
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- PRU
- 10.86
- Q1
- 9.08
- Min
- 2.32
UNM
Insurance industry group
52.21
- UNM
- 52.21
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- 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 Unum (UNM) at 0.95 prices around its industry’s middle — PRU costs less per dollar of sales, though read it alongside growth and margins.
PRU
Insurance industry group
0.66
- Max
- 4.03
- Q3
- 2.25
- Median
- 1.23
- Q1
- 0.85
- PRU
- 0.66
- Min
- 0.07
UNM
Insurance industry group
0.95
- Max
- 4.03
- Q3
- 2.25
- Median
- 1.23
- UNM
- 0.95
- Q1
- 0.85
- Min
- 0.07
P/B Ratio (MRQ)
Unum (UNM) at 1.11 sits in the lower P/B ratio quartile against book while Prudential Financial (PRU) at 1.39 is valued near its industry’s middle — UNM is cheaper on assets, though weigh it against ROE and asset quality.
PRU
Insurance industry group
1.39
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- PRU
- 1.39
- Q1
- 1.23
- Min
- 0.30
UNM
Insurance industry group
1.11
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- Q1
- 1.23
- UNM
- 1.11
- Min
- 0.30
Valuation Metrics
| Metric | PRU | UNM |
|---|---|---|
| P/E Ratio (TTM) | 10.86 | 52.21 |
| P/S Ratio (TTM) | 0.66 | 0.95 |
| P/B Ratio (MRQ) | 1.39 | 1.11 |
| Free Cash Flow Yield (TTM) | -- | -- |