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PRU vs. WFC: A Head-to-Head Stock Comparison

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Here’s a clear look at PRU and WFC, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

SymbolPRUWFC
Company NamePrudential Financial, Inc.Wells Fargo & Company
CountryUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS IndustryInsuranceBanks
Market Capitalization37.44 billion USD270.28 billion USD
ExchangeNYSENYSE
Listing DateDecember 13, 2001June 1, 1972
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of PRU and WFC 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.

PRU vs. WFC: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolPRUWFC
5-Day Price Return1.87%-1.18%
13-Week Price Return3.62%10.97%
26-Week Price Return5.70%17.66%
52-Week Price Return-13.63%23.32%
Month-to-Date Return2.88%-1.00%
Year-to-Date Return-9.73%22.58%
10-Day Avg. Volume1.91M14.98M
3-Month Avg. Volume1.60M15.65M
3-Month Volatility19.79%26.52%
Beta0.981.12

Profitability

Return on Equity (TTM)

PRU

8.68%

Insurance Industry

Max
30.96%
Q3
18.76%
Median
14.22%
Q1
10.34%
Min
1.73%

PRU’s Return on Equity of 8.68% 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.

WFC

11.66%

Banks Industry

Max
25.40%
Q3
15.55%
Median
12.00%
Q1
8.98%
Min
-0.10%

WFC’s Return on Equity of 11.66% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.

PRU vs. WFC: A comparison of their Return on Equity (TTM) against their respective Insurance and Banks industry benchmarks.

Net Profit Margin (TTM)

PRU

4.88%

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 4.88% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

WFC

22.19%

Banks Industry

Max
54.20%
Q3
35.73%
Median
28.97%
Q1
22.56%
Min
6.98%

Falling into the lower quartile for the Banks industry, WFC’s Net Profit Margin of 22.19% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

PRU vs. WFC: A comparison of their Net Profit Margin (TTM) against their respective Insurance and Banks industry benchmarks.

Operating Profit Margin (TTM)

PRU

6.15%

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.

WFC

25.35%

Banks Industry

Max
63.35%
Q3
44.73%
Median
37.24%
Q1
28.25%
Min
12.28%

WFC’s Operating Profit Margin of 25.35% is in the lower quartile for the Banks industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

PRU vs. WFC: A comparison of their Operating Profit Margin (TTM) against their respective Insurance and Banks industry benchmarks.

Profitability at a Glance

SymbolPRUWFC
Return on Equity (TTM)8.68%11.66%
Return on Assets (TTM)0.35%1.06%
Net Profit Margin (TTM)4.88%22.19%
Operating Profit Margin (TTM)6.15%25.35%
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.

WFC

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

PRU vs. WFC: A comparison of their Current Ratio (MRQ) against their respective Insurance and Banks industry benchmarks.

Debt-to-Equity Ratio (MRQ)

PRU

0.69

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.

WFC

2.25

Banks Industry

Max
5.78
Q3
2.66
Median
1.05
Q1
0.40
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

PRU vs. WFC: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Insurance and Banks industry benchmarks.

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.

WFC

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

PRU vs. WFC: A comparison of their Interest Coverage Ratio (TTM) against their respective Insurance and Banks industry benchmarks.

Financial Strength at a Glance

SymbolPRUWFC
Current Ratio (MRQ)----
Quick Ratio (MRQ)----
Debt-to-Equity Ratio (MRQ)0.692.25
Interest Coverage Ratio (TTM)----

Growth

Revenue Growth

PRU vs. WFC: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

PRU vs. WFC: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

PRU

5.16%

Insurance Industry

Max
9.80%
Q3
5.18%
Median
3.58%
Q1
2.07%
Min
0.00%

PRU’s Dividend Yield of 5.16% is consistent with its peers in the Insurance industry, providing a dividend return that is standard for its sector.

WFC

2.36%

Banks Industry

Max
11.03%
Q3
6.00%
Median
3.87%
Q1
2.41%
Min
0.00%

WFC’s Dividend Yield of 2.36% is in the lower quartile for the Banks industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

PRU vs. WFC: A comparison of their Dividend Yield (TTM) against their respective Insurance and Banks industry benchmarks.

Dividend Payout Ratio (TTM)

PRU

54.32%

Insurance Industry

Max
169.40%
Q3
85.57%
Median
53.26%
Q1
23.68%
Min
0.00%

PRU’s Dividend Payout Ratio of 54.32% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

WFC

31.00%

Banks Industry

Max
134.24%
Q3
79.39%
Median
55.09%
Q1
36.09%
Min
0.00%

WFC’s Dividend Payout Ratio of 31.00% is in the lower quartile for the Banks industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

PRU vs. WFC: A comparison of their Dividend Payout Ratio (TTM) against their respective Insurance and Banks industry benchmarks.

Dividend at a Glance

SymbolPRUWFC
Dividend Yield (TTM)5.16%2.36%
Dividend Payout Ratio (TTM)54.32%31.00%

Valuation

Price-to-Earnings Ratio (TTM)

PRU

14.22

Insurance Industry

Max
30.75
Q3
18.11
Median
12.67
Q1
9.66
Min
2.87

PRU’s P/E Ratio of 14.22 is within the middle range for the Insurance industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

WFC

12.83

Banks Industry

Max
22.69
Q3
13.75
Median
10.32
Q1
7.73
Min
2.59

WFC’s P/E Ratio of 12.83 is within the middle range for the Banks industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

PRU vs. WFC: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Insurance and Banks industry benchmarks.

Price-to-Sales Ratio (TTM)

PRU

0.69

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 0.69 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.

WFC

1.91

Banks Industry

Max
4.90
Q3
2.98
Median
2.24
Q1
1.59
Min
0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

PRU vs. WFC: A comparison of their Price-to-Sales Ratio (TTM) against their respective Insurance and Banks industry benchmarks.

Price-to-Book Ratio (MRQ)

PRU

1.14

Insurance Industry

Max
4.57
Q3
2.56
Median
1.88
Q1
1.20
Min
0.17

PRU’s P/B Ratio of 1.14 is in the lower quartile for the Insurance 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.

WFC

1.46

Banks Industry

Max
2.09
Q3
1.40
Median
1.11
Q1
0.86
Min
0.29

WFC’s P/B Ratio of 1.46 is in the upper tier for the Banks industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

PRU vs. WFC: A comparison of their Price-to-Book Ratio (MRQ) against their respective Insurance and Banks industry benchmarks.

Valuation at a Glance

SymbolPRUWFC
Price-to-Earnings Ratio (TTM)14.2212.83
Price-to-Sales Ratio (TTM)0.691.91
Price-to-Book Ratio (MRQ)1.141.46
Price-to-Free Cash Flow Ratio (TTM)4.7817.82