F&G Annuities & Life Inc. (FG)vsPrudential Financial Inc (PRU)
FG
F&G Annuities & Life Inc.
$24.64
+1.48%
FINANCIAL SERVICES · Cap: $3.29B
PRU
Prudential Financial Inc
$95.26
+0.49%
FINANCIAL SERVICES · Cap: $32.99B
Smart Verdict
WallStSmart Research — data-driven comparison
Prudential Financial Inc generates 968% more annual revenue ($61.23B vs $5.73B). PRU leads profitability with a 5.8% profit margin vs 4.6%. PRU trades at a lower P/E of 9.5x. PRU earns a higher WallStSmart Score of 81/100 (A-).
FG
Buy53
out of 100
Grade: C-
PRU
Exceptional Buy81
out of 100
Grade: A-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-121.9%
Fair Value
$12.78
Current Price
$24.64
$11.86 premium
Margin of Safety
+77.5%
Fair Value
$467.53
Current Price
$95.26
$372.27 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Attractively priced relative to earnings
Generating 1.5B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 31.2% year-over-year
Growing faster than its price suggests
Generating 3.3B in free cash flow
Areas to Watch
ROE of 6.0% — below average capital efficiency
4.6% margin — thin
Weak financial health signals
Earnings declined 64.2%
2.2% earnings growth
5.8% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull Case : FG
The strongest argument for FG centers on Price/Book, P/E Ratio, Free Cash Flow. Revenue growth of 13.2% demonstrates continued momentum.
Bull Case : PRU
The strongest argument for PRU centers on P/E Ratio, Price/Book, Revenue Growth. Revenue growth of 31.2% demonstrates continued momentum. PEG of 0.60 suggests the stock is reasonably priced for its growth.
Bear Case : FG
The primary concerns for FG are Return on Equity, Profit Margin, Piotroski F-Score. Thin 4.6% margins leave little buffer for downturns.
Bear Case : PRU
The primary concerns for PRU are EPS Growth, Profit Margin.
Key Dynamics to Monitor
FG profiles as a value stock while PRU is a hypergrowth play — different risk/reward profiles.
FG carries more volatility with a beta of 1.61 — expect wider price swings.
PRU is growing revenue faster at 31.2% — sustainability is the question.
PRU generates stronger free cash flow (3.3B), providing more financial flexibility.
Bottom Line
PRU scores higher overall (81/100 vs 53/100) and 31.2% revenue growth. Both earn "Exceptional Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
F&G Annuities & Life Inc.
FINANCIAL SERVICES · INSURANCE - LIFE · USA
FGL Holdings sells individual life and annuity insurance products in the United States. The company is headquartered in Des Moines, Iowa.
Prudential Financial Inc
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Prudential Financial, Inc. is an American company whose subsidiaries provide insurance, investment management, and other financial products and services to both retail and institutional customers throughout the United States and in over 40 other countries.
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