Prudential Financial Inc (PRU)vsUnum Group (UNM)
PRU
Prudential Financial Inc
$95.26
+0.49%
FINANCIAL SERVICES · Cap: $32.99B
UNM
Unum Group
$74.50
+0.89%
FINANCIAL SERVICES · Cap: $12.47B
Smart Verdict
WallStSmart Research — data-driven comparison
Prudential Financial Inc generates 368% more annual revenue ($61.23B vs $13.08B). PRU leads profitability with a 5.8% profit margin vs 5.7%. PRU appears more attractively valued with a PEG of 0.60. PRU earns a higher WallStSmart Score of 81/100 (A-).
PRU
Exceptional Buy81
out of 100
Grade: A-
UNM
Buy56
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+77.5%
Fair Value
$467.53
Current Price
$95.26
$372.27 discount
Margin of Safety
-145.9%
Fair Value
$29.04
Current Price
$74.50
$45.46 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Reasonable price relative to book value
Attractively priced relative to earnings
Areas to Watch
2.2% earnings growth
5.8% margin — thin
0.2% revenue growth
ROE of 6.7% — below average capital efficiency
5.7% margin — thin
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : UNM
The strongest argument for UNM centers on Price/Book, P/E Ratio. PEG of 1.03 suggests the stock is reasonably priced for its growth.
Bear Case : PRU
The primary concerns for PRU are EPS Growth, Profit Margin.
Bear Case : UNM
The primary concerns for UNM are Revenue Growth, Return on Equity, Profit Margin.
Key Dynamics to Monitor
PRU profiles as a hypergrowth stock while UNM is a value play — different risk/reward profiles.
PRU carries more volatility with a beta of 0.97 — 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 56/100) 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.
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.
Visit Website →Unum Group
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Unum Group is a Chattanooga, Tennessee-based Fortune 500 insurance company formerly known as UnumProvident.
Visit Website →Compare with Other INSURANCE - LIFE Stocks
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