PRU vs UNM Stock Comparison
Compare PRU and UNM across AIQ Score, fundamentals, valuation, momentum, risk, analyst expectations and current market evidence.
What is the main difference between PRU and UNM?
UNM leads the current stock comparison as Unum Group, with the clearest separation coming from momentum and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
Prudential Financial, Inc. vs Unum Group
UNM leads
UNM leads by 6 AIQ points, primarily on Momentum, having only recently taken the lead back from PRU.
Fragile: 3 of 6 evidence groups support UNM, the lead recently changed hands, and its current signal state is conflicted.
Prudential Financial, Inc.
Unum Group
The Algovestiq AIQ Score currently favors UNM over PRU, 62 versus 56 as of Sep 11, 2026. UNM's advantage is driven primarily by stronger momentum, while PRU holds the stronger risk resilience profile. UNM also shows the stronger technical structure relative to its 50-day moving average. 3 of 6 covered evidence groups favor UNM today, and the comparison is rated Fragile on stability: only 3 of 6 covered evidence groups agree. UNM lead: Reversed — PRU led by 6 AIQ points 30 sessions ago; UNM now leads by 6.
Compare Prudential Financial, Inc. and Unum Group across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Performance over time
Price-return comparison using available daily close history.
Total return comparison
Growth of $10,000
Based on available close-price history. Distribution reinvestment is not added unless already reflected in the source series.
Compare PRU and UNM against another ticker
Open a multi-ticker workspace without changing this focused pair page.
AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Momentum43 vs 79UNM +36
- Risk Resilience73 vs 64PRU +9
- Value70 vs 62PRU +8
- Quality46 vs 47Even
3 of 6 evidence groups favor UNM. UNM’s edge is concentrated in momentum; PRU keeps a meaningful risk resilience edge.
What changed since the last close
Latest scored session 2026-09-10, compared against the prior scored session 2026-09-09.
Largest factor move: Momentum +5
No new signals fired.
Largest factor move: Momentum +3
New signals
- RSI Overbought — bearish, momentum, short horizon
UNM's lead was unchanged in the latest snapshot.
Deeper signal detail for each name lives on its own signals page — PRU and UNM both carry a full feed there.
The central trade-off
UNM (Unum Group): the stronger current systematic profile, led by momentum.
PRU (Prudential Financial, Inc.): the counter-case, on risk resilience, value, fundamentals.
Which one fits your objective
The same two names rank differently depending on what you are optimizing for. All six reads are shown at once — none of them is hidden behind a toggle.
Balanced
UNMUNM on the overall AIQ Score, which weights Quality and Value most heavily.
Growth
PRUPRU on combined revenue and EPS growth.
Value
PRUPRU on the peer-relative Value factor, by 8 points.
Momentum
UNMUNM on the Momentum factor, by 36 points.
Lower downside
PRUPRU on Risk Resilience, by 9 points.
Analyst upside
UNMUNM on implied upside to the consensus price target.
AIQ vs Wall Street
Where the systematic read and the analyst consensus line up — and where they do not.
| Measure | PRU | UNM | Note |
|---|---|---|---|
| Implied upside to target | -14.5% | +3.9% | UNM has more room |
| Target dispersion | +40.2% | +38.7% | Lower is tighter analyst agreement |
| Consensus | Hold | Buy | Context, not a primary driver |
| Analysts covering | 9 | 8 | Higher coverage generally improves confidence |
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
AIQ Agreement Matrix
3 of 6 covered evidence groups favor UNM. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | UNM | 56 vs 62 |
| Fundamentals | PRUon balance | revenue growth 0.7% vs -1.9%; EPS growth 63.4% vs 14.2%; TTM ROE 12% vs 6.4%; gross margin 30.8% vs 35.7%; operating margin 7.7% vs 6.8% — PRU takes 4 of 5 decided legs, not all of them |
| Valuation | PRU | Value 70 vs 62 |
| Technicals | UNM | Price vs 50-day -0.4% vs 4.9%; vs 200-day 9.5% vs 16% |
| Risk Resilience | PRU | Risk Resilience 73 vs 64 |
| Analyst expectations | UNM | Target upside -14.5% vs 3.9% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of PRU and UNM and are excluded from the count.
AIQ Decision Stability
The conclusion is sensitive to small changes. Treat the lead as provisional and watch the flip conditions below.
- The AIQ gap is moderate at 6 points.
- Only 3 of 6 covered evidence groups agree. (argues the conclusion is provisional)
- The lead has already changed hands inside the comparison window. (argues the conclusion is provisional)
- The leader is throwing conflicting signals. (argues the conclusion is provisional)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on UNM.
How the comparison changed
119 daily snapshots · May 4 – Sep 10UNM lead: Reversed — PRU led by 6 AIQ points 30 sessions ago; UNM now leads by 6.
- Today
- UNM +6
- 56 vs 62
- 7 sessions ago
- UNM +1
- 60 vs 61
- 30 sessions ago
- PRU +6
- 61 vs 55
- 90 sessions ago
- PRU +10
- 66 vs 56
The lead changed hands 2 times in this window, most recently on May 26 when UNM moved ahead of PRU.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
1 bullish / 1 bearish, conflicted
- Golden Cross Active — bullish, trend, long horizon (10.61%)
- MACD Bearish Crossover — bearish, momentum, short horizon
5 bullish / 1 bearish, conflicted
- Golden Cross Active — bullish, trend, long horizon (10.75%)
- RSI Overbought — bearish, momentum, short horizon
- EMA Ribbon Expansion Bullish — bullish, trend, medium horizon
UNM leads the comparison while carrying a conflicted signal state, which is one reason the stability rating is not higher.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Price and the AIQ Score both moved up over the latest session (price +0.64%, AIQ +1 points).
Price and the AIQ Score both moved up over the latest session (price +0.12%, AIQ +1 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1PRU closes the Momentum gap — currently 36 points behind, the largest single contributor to UNM's edge.
- 2PRU's MACD Bearish Crossover resolves — a bearish momentum rule currently active against it.
- 3UNM's conflicting signal state resolves bearish — it currently carries 5 bullish and 1 bearish rules at once.
- 4A regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Fundamentals
PRU leads on balance| Metric | PRU | UNM |
|---|---|---|
| Revenue growth (YoY) | 0.7% | -1.9% |
| EPS growth (YoY) | 63.4% | 14.2% |
| Gross margin | 30.8% | 35.7% |
| Operating margin | 7.7% | 6.8% |
| Return on equity (TTM) | 12% | 6.4% |
| Debt to equity | 0.65 | 0.35 |
Performance
UNM leads 5 of 6 windows| Metric | PRU | UNM |
|---|---|---|
| 1 week (5 sessions) | -1.1% | 1.6% |
| 1 month (20 sessions) | -3.5% | 2.7% |
| 3 months (63 sessions) | 12.7% | 4% |
| 6 months (126 sessions) | 24.5% | 30.1% |
| Year to date | 5% | 21.3% |
| 1 year (252 sessions) | 11.9% | 28% |
Technicals
UNM has the stronger structure| Metric | PRU | UNM |
|---|---|---|
| RSI (14) | 44.9 | 71.1 |
| ADX (14) | 20.2 | 17.8 |
| Price vs 50-day | -0.4% | 4.9% |
| Price vs 200-day | 9.5% | 16% |
| Volatility (1M, annualized) | 22.8% | 26.4% |
Risk
PRU is the more resilient| Metric | PRU | UNM |
|---|---|---|
| Beta | 0.65 | 0.32 |
| Sharpe ratio | 0.45 | 1.03 |
| Sortino ratio | 0.59 | 1.71 |
| Max drawdown | -22.5% | -12.1% |
| Current drawdown | -5.3% | -2.3% |
| Annualized volatility | 22.8% | 23.4% |
| Value at risk (95%) | -2.5% | -2% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, PRU or UNM?
On the Algovestiq AIQ Score, UNM is the stronger of the two as of Sep 11, 2026, scoring 62 against PRU's 56. The edge comes from momentum. PRU is not without a case — it holds the better risk resilience profile, which matters more if that is the objective you are optimizing for. This is a systematic score, not a recommendation: it ranks the two on the same evidence, it does not know your holding period or tax position.
Is PRU or UNM the better buy right now?
UNM carries the stronger systematic profile as of Sep 11, 2026, and the comparison is rated Fragile — 3 of 6 covered evidence groups agree. A Fragile rating means the conclusion is sensitive: only 3 of 6 covered evidence groups agree. Treat the lead as provisional.
Why does the AIQ Score favor UNM over PRU?
The composite weights Quality, Value, Momentum and Risk Resilience. UNM leads Momentum by 36 points; PRU leads Risk Resilience by 9 points; PRU leads Value by 8 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, PRU or UNM?
Analyst price targets imply -14.5% upside for PRU and +3.9% for UNM, so the Street currently favors UNM. The model and the Street agree here, which is a broader base of evidence than either alone. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, PRU or UNM?
PRU is the better-valued of the two on the peer-relative Value factor. PRU on the peer-relative Value factor, by 8 points. The Value factor reads valuation relative to sector peers and to the company's own fundamental quality, so it is not the same as simply having the lower multiple.
Which has stronger growth, PRU or UNM?
PRU on combined revenue and EPS growth. Growth here is measured on reported revenue and earnings, not on forward estimates — it describes what the businesses have delivered, not what the Street expects next.
Which has stronger momentum, PRU or UNM?
UNM on the Momentum factor, by 36 points. Momentum is one of the four weighted factors in the AIQ composite. It has documented persistence over three- to twelve-month horizons, which makes it a timing input rather than a reason to hold something indefinitely.
Which is riskier, PRU or UNM?
PRU is the more resilient of the two, so the other name carries the higher downside risk. PRU on Risk Resilience, by 9 points. Risk Resilience is a weighted factor in the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is PRU more profitable than UNM?
The profitability evidence is mixed: gross margin 30.8% vs 35.7%; operating margin 7.7% vs 6.8%; ttm roe 12% vs 6.4%. PRU leads on two measures and UNM on one measure, and there is no single profitability composite that resolves the split — which of the two reads as "more profitable" depends on whether you weight pricing power or operating leverage.
Is UNM's lead over PRU getting stronger or weaker?
UNM lead: Reversed — PRU led by 6 AIQ points 30 sessions ago; UNM now leads by 6. This is measured from 119 daily comparison snapshots between 2026-05-04 and 2026-09-10. The lead has changed hands 2 times in that window, most recently on 2026-05-26, when UNM moved ahead of PRU.
What would change the PRU vs UNM verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: PRU closes the Momentum gap — currently 36 points behind, the largest single contributor to UNM's edge; PRU's MACD Bearish Crossover resolves — a bearish momentum rule currently active against it; UNM's conflicting signal state resolves bearish — it currently carries 5 bullish and 1 bearish rules at once; a regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
What do the current signals say about PRU and UNM?
PRU: 1 bullish / 1 bearish, conflicted. UNM: 5 bullish / 1 bearish, conflicted. A conflicted state means bullish and bearish rules are active on the same name at once — the technical evidence is not pointing one way, and a decision taken on it carries more timing risk. The most decision-relevant rule on PRU is Golden Cross Active (bullish, long horizon). On UNM it is Golden Cross Active (bullish, long horizon).
Compare PRU and UNM with others
Continue your research
This page answers which of the two. These answer the questions on either side of it.
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality, Value, Momentum and Risk, each carrying a fixed weight. Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.