PRU vs PUK vs AFL
161 measures in 16 categories, one definition each, computed from filings and market data.
PRU57.0
Prudential Financial, Inc.
Financial Services · Insurance - Life
$115.91 −0.40%$40.0B mkt cap
Score DNA
AFL59.0
Aflac Incorporated
Financial Services · Insurance - Life
$119.97 +1.63%$60.2B mkt cap
Score DNA
Price, rebased to 100 three years ago
PRU PUK AFL · weekly adjusted closesSmart money 8Valuation 16Profitability (TTM) 12Returns on capital 11Growth 17Margin history & stability 7Liquidity (latest quarter) 7Leverage & solvency (latest quarter) 13Efficiency 11Cash flow & earnings quality 7Dividends & buybacks 9Scores & forensic checks 15Per share 7Size (TTM) 8Price performance 9Technicals 4
● marks the highest or lowest value where that direction is plainly stronger (margins, returns, coverage, leverage); multiples and yields are left unmarked. Bars show each stock's percentile within its own industry. n/a: the measure does not apply to lenders and insurers.
Smart money
8 measures| Measure | PRU | PUK | AFL |
|---|---|---|---|
| Insider open-market buys, 180d | 0 | 0 | 0 |
| Insider $ bought, 180d | — | — | — |
| Congress purchases, 180d | 0 | 0 | 0 |
| Last Congress purchase | — | — | — |
| 13F net change in holders | +53 | +23 | +36 |
| ETFs adding shares, 30d | 1,108 | 8 | 1,027 |
| ETFs trimming, 30d | 981 | 0 | 965 |
| Net ETF funds, 30d | +127 | +8 | +62 |
Valuation
16 measures| Measure | PRU | PUK | AFL |
|---|---|---|---|
| P/E (TTM) | 10.4x
57th
|
4.2x
43rd
|
12.4x
70th
|
| PEG (P/E ÷ 3-yr EPS CAGR) | 0.21
20th
|
0.11
13th
|
1.88
87th
|
| Price / sales | 0.6x
50th
|
0.6x
46th
|
3.3x
92nd
|
| Price / book | 1.3x
54th
|
1.5x
67th
|
2.0x
83rd
|
| Price / tangible book | 1.1x
56th
|
2.2x
78th
|
2.0x
72nd
|
| Price / free cash flow | n/a | n/a | n/a |
| Price / operating cash flow | n/a | n/a | n/a |
| Enterprise value | n/a | n/a | n/a |
| EV / sales | n/a | n/a | n/a |
| EV / EBITDA | n/a | n/a | n/a |
| EV / EBIT | n/a | n/a | n/a |
| EV / free cash flow | n/a | n/a | n/a |
| Earnings yield | 9.6%
46th
|
23.9%
58th
|
8.1%
33rd
|
| FCF yield | n/a | n/a | n/a |
| Operating cash flow yield | n/a | n/a | n/a |
| Graham number (per share) | $160.93
57th
|
$44.45
9th
|
$113.90
48th
|
Profitability (TTM)
12 measures| Measure | PRU | PUK | AFL |
|---|---|---|---|
| Gross margin | n/a | n/a | n/a |
| EBITDA margin | n/a | n/a | n/a |
| Operating margin | 7.7%
22nd
|
37.0%
96th
|
32.2%
91st
|
| EBIT margin | 7.7%
17th
|
48.5%
100th
|
33.2%
96th
|
| Net margin | 5.9%
25th
|
14.7%
88th
|
26.9%
100th
|
| NOPAT margin | 6.1%
21st
|
30.7%
92nd
|
27.0%
88th
|
| FCF margin | n/a | n/a | n/a |
| Operating cash flow margin | n/a | n/a | n/a |
| R&D / revenue | 0.0%
0th
|
0.0%
0th
|
0.0%
0th
|
| SG&A / revenue | 30.9%
88th
|
0.0%
0th
|
10.5%
67th
|
| Stock comp / revenue | 0.0%
0th
|
0.0%
0th
|
— |
| Effective tax rate | 20.0%
54th
|
17.0%
38th
|
16.0%
29th
|
Returns on capital
11 measures| Measure | PRU | PUK | AFL |
|---|---|---|---|
| ROE (on average equity) | 12.4%
38th
|
39.3%
100th
|
16.9%
83rd
|
| ROA | 0.5%
54th
|
3.6%
88th
|
4.0%
96th
|
| ROIC | n/a | n/a | n/a |
| ROCE | n/a | n/a | n/a |
| Return on tangible assets | 0.6%
42nd
|
11.8%
100th
|
5.0%
88th
|
| Cash ROIC (OCF / invested capital) | n/a | n/a | n/a |
| Gross profitability (GP / assets) | n/a | n/a | n/a |
| ROIC, 3-yr average | n/a | n/a | n/a |
| ROIC, 5-yr average | n/a | n/a | n/a |
| ROE, 5-yr average | 7.3%
6th
|
15.4%
67th
|
17.2%
83rd
|
| Incremental ROIC | n/a | n/a | n/a |
Growth
17 measures| Measure | PRU | PUK | AFL |
|---|---|---|---|
| Revenue growth (TTM YoY) | 8.9%
61st
|
175.6%
100th
|
11.6%
78th
|
| Revenue growth (QoQ) | 0.7%
29th
|
-2.2%
12th
|
-5.4%
8th
|
| Revenue CAGR, 3 yr | 0.4%
55th
|
-19.9%
0th
|
-1.2%
40th
|
| Revenue CAGR, 5 yr | 0.2%
31st
|
-7.7%
0th
|
-4.6%
6th
|
| Gross profit CAGR, 3 yr | n/a | n/a | n/a |
| Operating income CAGR, 3 yr | 45.1%
100th
|
-41.2%
12th
|
5.0%
35th
|
| Net income growth (TTM YoY) | 135.6%
82nd
|
283.0%
100th
|
99.5%
73rd
|
| Net income CAGR, 3 yr | 42.7%
89th
|
35.5%
83rd
|
0.5%
28th
|
| EPS growth (TTM YoY) | 157.5%
82nd
|
315.9%
100th
|
112.5%
77th
|
| EPS CAGR, 3 yr | 48.6%
89th
|
36.8%
83rd
|
6.6%
28th
|
| EPS CAGR, 5 yr | -8.6%
9th
|
8.1%
73rd
|
2.4%
45th
|
| FCF growth (TTM YoY) | n/a | n/a | n/a |
| FCF CAGR, 3 yr | n/a | n/a | n/a |
| Operating cash flow CAGR, 3 yr | n/a | n/a | n/a |
| Book value CAGR, 3 yr | 7.9%
15th
|
2.1%
5th
|
20.9%
95th
|
| Dividend CAGR, 3 yr | 4.9%
25th
|
11.3%
100th
|
7.6%
70th
|
| Sustainable growth rate | 6.1%
26th
|
32.9%
100th
|
12.8%
83rd
|
Margin history & stability
7 measures| Measure | PRU | PUK | AFL |
|---|---|---|---|
| Gross margin, 3-yr average | n/a | n/a | n/a |
| Operating margin, 3-yr average | 5.5%
26th
|
76.2%
96th
|
28.0%
70th
|
| Net margin, 3-yr average | 4.4%
30th
|
7.0%
57th
|
23.3%
100th
|
| FCF margin, 3-yr average | n/a | n/a | n/a |
| Revenue stability (0-1) | 0.08
22nd
|
0.38
35th
|
0.72
70th
|
| Earnings stability (0-1) | 0.11
22nd
|
0.03
13th
|
0.20
39th
|
| Margin stability (0-1) | 0.83
91st
|
0.81
83rd
|
0.57
43rd
|
Liquidity (latest quarter)
7 measures| Measure | PRU | PUK | AFL |
|---|---|---|---|
| Cash & short-term investments | n/a | n/a | n/a |
| Net cash (− = net debt) | n/a | n/a | n/a |
| Working capital | n/a | n/a | n/a |
| Current ratio | n/a | n/a | n/a |
| Quick ratio | n/a | n/a | n/a |
| Cash ratio (cash + ST investments / current liabilities) | n/a | n/a | n/a |
| Defensive interval (days) | n/a | n/a | n/a |
Leverage & solvency (latest quarter)
13 measures| Measure | PRU | PUK | AFL |
|---|---|---|---|
| Total debt | n/a | n/a | n/a |
| Debt / equity | n/a | n/a | n/a |
| Net debt / equity | n/a | n/a | n/a |
| Debt / assets | n/a | n/a | n/a |
| Debt / capital | n/a | n/a | n/a |
| Debt / EBITDA | n/a | n/a | n/a |
| Net debt / EBITDA | n/a | n/a | n/a |
| Interest coverage (EBIT / interest) | n/a | n/a | n/a |
| Cash interest coverage | n/a | n/a | n/a |
| Debt payback (years of OCF) | n/a | n/a | n/a |
| Liabilities / assets | 95.9%
46th
|
90.8%
25th
|
73.9%
4th
|
| IS credit model rating | A- | AAA | AA+ |
| Implied credit spread (bps) | 175
29th
|
50
0th
|
65
8th
|
Efficiency
11 measures| Measure | PRU | PUK | AFL |
|---|---|---|---|
| Asset turnover | n/a | n/a | n/a |
| Fixed asset turnover | n/a | n/a | n/a |
| Inventory turnover | n/a | n/a | n/a |
| Receivables turnover | n/a | n/a | n/a |
| Days sales outstanding | n/a | n/a | n/a |
| Days inventory outstanding | n/a | n/a | n/a |
| Days payables outstanding | n/a | n/a | n/a |
| Cash conversion cycle (days) | n/a | n/a | n/a |
| Capex / revenue | n/a | n/a | n/a |
| Capex / depreciation | n/a | n/a | n/a |
| Operating expense ratio | n/a | n/a | n/a |
Cash flow & earnings quality
7 measures| Measure | PRU | PUK | AFL |
|---|---|---|---|
| Operating cash flow / net income | n/a | n/a | n/a |
| FCF / net income | n/a | n/a | n/a |
| FCF / operating cash flow | n/a | n/a | n/a |
| Capex / operating cash flow | n/a | n/a | n/a |
| Accruals ratio | n/a | n/a | n/a |
| Sloan accruals ratio | n/a | n/a | n/a |
| Earnings quality score (0-1) | n/a | n/a | n/a |
Scores & forensic checks
15 measures| Measure | PRU | PUK | AFL |
|---|---|---|---|
| IS score | 57
75th
|
53
67th
|
59
92nd
|
| IS profitability | 29
17th
|
53
58th
|
65
67th
|
| IS growth | 64
74th
|
80
100th
|
66
87th
|
| IS value | 86
42nd
|
87
46th
|
81
38th
|
| IS momentum | 90
83rd
|
76
70th
|
69
57th
|
| IS risk (safety) | 80
62nd
|
100
75th
|
100
75th
|
| IS quality | 72
88th
|
65
54th
|
66
58th
|
| IS balance sheet | 66
88th
|
66
83rd
|
80
100th
|
| IS earnings quality | 73
67th
|
64
38th
|
68
46th
|
| IS cash flow | 79
75th
|
55
46th
|
50
42nd
|
| Piotroski F-score (0-9) | 8
96th
|
7
58th
|
6
38th
|
| Altman Z-score | — | — | — |
| Beneish M-score | — | — | — |
| Ohlson O-score | −7.23
8th
|
−6.94
21st
|
−8.73
0th
|
| IS credit score | 65
67th
|
97
96th
|
95
92nd
|
Size (TTM)
8 measures| Measure | PRU | PUK | AFL |
|---|---|---|---|
| Market cap | $40.0B
92nd
|
$29.6B
88th
|
$60.2B
96th
|
| Revenue | $64.8B
96th
|
$48.3B
83rd
|
$18.1B
71st
|
| EBITDA | $5.0B
79th
|
$14.7B
100th
|
$7.1B
96th
|
| Net income | $3.8B
83rd
|
$7.1B
100th
|
$4.9B
96th
|
| Free cash flow | n/a | n/a | n/a |
| Total assets | $783.6B
92nd
|
$223.7B
46th
|
$116.0B
38th
|
| Shareholders' equity | $31.6B
92nd
|
$19.8B
79th
|
$30.3B
88th
|
| Employees | 36,607
88th
|
15,338
83rd
|
12,716
79th
|
Price performance
9 measures| Measure | PRU | PUK | AFL |
|---|---|---|---|
| 1 day | −0.4% | +0.3% | +1.6% |
| 1 week | +2.5% | +0.9% | +4.7% |
| 1 month | −1.7% | −9.2% | +2.9% |
| 3 months | −1.8% | −14.6% | −2.8% |
| 6 months | +14.0% | −21.9% | +5.8% |
| Year to date | +3.1% | −23.7% | +10.5% |
| 1 year | +13.8% | −12.0% | +11.5% |
| 3 years, cumulative | +36.1% | +11.8% | +60.2% |
| 5 years, cumulative | +29.6% | −37.3% | +146.3% |
Technicals
4 measures| Measure | PRU | PUK | AFL |
|---|---|---|---|
| RSI 14 | 50.9 | 34.4 | 66.7 |
| From 52-week high | −9.3% | −29.1% | −7.4% |
| From 52-week low | +26.1% | +3.6% | +16.2% |
| Beta | 0.84 | 0.90 | 0.56 |
InsiderStreet reports findings from filings and market data. A comparison is not a recommendation to buy or sell either stock.Every figure is computed in code · data as of 2026-10-17