PUK vs. TRV: Prudential vs. Travelers Stock Comparison
How do Prudential (PUK) and Travelers (TRV) 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 (PUK) and Travelers (TRV) both belong to the Insurance industry, though PUK is classified under Life & Health Insurance while TRV falls under Property & Casualty Insurance.
Travelers (TRV) 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.
| Profile Item | PUK | TRV |
|---|---|---|
| Name | Prudential plc ADR | The Travelers Companies, Inc. |
| Country/Region | Hong Kong | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Life & Health Insurance | Property & Casualty Insurance |
| Market Capitalization | 30.28 billion USD | 80.98 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | June 29, 2000 | November 17, 1975 |
| Security Type | ADR | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | PUK | TRV |
|---|---|---|
| Total Return (1Y) | -7.39% | 43.06% |
| Total Return (3Y, Annualized) | 8.09% | 35.01% |
| Total Return (5Y, Annualized) | -6.78% | 22.46% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | PUK | TRV |
|---|---|---|
| Volatility (1Y, Annualized) | 29.81% | 20.86% |
| Beta (5Y) | 0.64 | 0.39 |
| Max Drawdown (5Y) | -62.24% | -18.90% |
| Avg. Volume (3M) | 1.21M | 1.46M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | PUK | TRV |
|---|---|---|
| Sharpe Ratio (1Y) | -0.39 | 1.86 |
| Sortino Ratio (1Y) | -0.54 | 3.16 |
Profitability
ROE (TTM)
Travelers (TRV) at 27.50% sits in the top ROE quartile, while Prudential (PUK) at 18.74% is closer to the peer norm — stronger capital efficiency for TRV.
PUK
Insurance industry group
18.74%
- Max
- 41.68%
- Q3
- 22.04%
- PUK
- 18.74%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
TRV
Insurance industry group
27.50%
- Max
- 41.68%
- TRV
- 27.50%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
Net Margin (TTM)
Prudential (PUK) at 25.49% retains a top-quartile share of revenue as profit, ahead of Travelers (TRV) at 17.03%, which keeps about the industry-typical share.
PUK
Insurance industry group
25.49%
- Max
- 29.92%
- PUK
- 25.49%
- Q3
- 17.03%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
TRV
Insurance industry group
17.03%
- Max
- 29.92%
- TRV
- 17.03%
- Q3
- 17.03%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Prudential (PUK) in Insurance and Travelers (TRV) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | PUK | TRV |
|---|---|---|
| ROE (TTM) | 18.74% | 27.50% |
| ROA (TTM) | 1.60% | 4.73% |
| Net Margin (TTM) | 25.49% | 17.03% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Prudential (PUK) at 68.98% clears its industry range for revenue growth, far stronger top-line momentum than Travelers (TRV) at 5.17%, which is closer to a typical peer reading.
EPS Growth
Prudential (PUK) at 82.74% sits in the top EPS growth quartile, while Travelers (TRV) at 27.76% is closer to the peer norm — faster per-share earnings growth for PUK.
Growth Metrics
| Metric | PUK | TRV |
|---|---|---|
| Revenue Growth (YoY) | 68.98% | 5.17% |
| Revenue Growth (3Y CAGR) | -- | 9.79% |
| EPS Growth (YoY) | 82.74% | 27.76% |
| EPS Growth (3Y CAGR) | 61.41% | 32.58% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Prudential (PUK) in Insurance and Travelers (TRV) 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 (PUK) in Insurance and Travelers (TRV) 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 | PUK | TRV |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Prudential (PUK) at 1.10% and Travelers (TRV) at 1.17% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
PUK
Insurance industry group
1.10%
- Max
- 5.12%
- Q3
- 2.15%
- PUK
- 1.10%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
TRV
Insurance industry group
1.17%
- Max
- 5.12%
- Q3
- 2.15%
- TRV
- 1.17%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Prudential (PUK) at 18.71% and Travelers (TRV) at 12.36% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
PUK
Insurance industry group
18.71%
- Max
- 76.67%
- Q3
- 35.18%
- PUK
- 18.71%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
TRV
Insurance industry group
12.36%
- Max
- 76.67%
- Q3
- 35.18%
- Median
- 14.74%
- TRV
- 12.36%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | PUK | TRV |
|---|---|---|
| Dividend Yield (TTM) | 1.10% | 1.17% |
| Dividend Payout Ratio (TTM) | 18.71% | 12.36% |
Valuation
P/E Ratio (TTM)
Prudential (PUK) at 8.72 sits in the cheaper P/E ratio quartile, while Travelers (TRV) at 10.39 is closer to its industry’s usual earnings multiple — a discount for PUK, though growth and earnings durability still matter.
PUK
Insurance industry group
8.72
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- Q1
- 9.08
- PUK
- 8.72
- Min
- 2.32
TRV
Insurance industry group
10.39
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- TRV
- 10.39
- Q1
- 9.08
- Min
- 2.32
P/S Ratio (TTM)
On P/S ratio, both Prudential (PUK) at 2.12 and Travelers (TRV) at 1.66 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
PUK
Insurance industry group
2.12
- Max
- 4.03
- Q3
- 2.25
- PUK
- 2.12
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
TRV
Insurance industry group
1.66
- Max
- 4.03
- Q3
- 2.25
- TRV
- 1.66
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
P/B Ratio (MRQ)
Travelers (TRV) at 2.79 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.
PUK
Insurance industry group
6.29
- PUK
- 6.29
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
TRV
Insurance industry group
2.79
- Max
- 5.07
- TRV
- 2.79
- Q3
- 2.79
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
Valuation Metrics
| Metric | PUK | TRV |
|---|---|---|
| P/E Ratio (TTM) | 8.72 | 10.39 |
| P/S Ratio (TTM) | 2.12 | 1.66 |
| P/B Ratio (MRQ) | 6.29 | 2.79 |
| Free Cash Flow Yield (TTM) | -- | -- |