PRUDENTIAL FINANCIAL INC - PRU 4 1/8 09/01/60 (PFH) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:PFH - US7443208886
17.44 USD
+0.02 (+0.11%)
17.44 USD
0 (0%)
PFH gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 148 industry peers in the Insurance industry. PFH has a bad profitability rating. Also its financial health evaluation is rather negative. PFH is cheap, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
PFH had positive earnings in the past year.
In the past year PFH had a positive cash flow from operations.
In multiple years PFH reported negative net income over the last 5 years.
PFH had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
PFH has a Return On Assets of 0.33%. This is amonst the worse of the industry: PFH underperforms 80.41% of its industry peers.
PFH has a worse Return On Equity (8.05%) than 62.84% of its industry peers.
The Return On Invested Capital of PFH (0.28%) is worse than 70.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.33% | ||
| ROE | 8.05% | ||
| ROIC | 0.28% |
ROA(3y)0.15%
ROA(5y)0.27%
ROE(3y)4.35%
ROE(5y)5.32%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of PFH (4.83%) is worse than 66.22% of its industry peers.
PFH's Profit Margin has declined in the last couple of years.
PFH has a worse Operating Margin (4.87%) than 77.70% of its industry peers.
In the last couple of years the Operating Margin of PFH has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 4.87% | ||
| PM (TTM) | 4.83% | ||
| GM | N/A |
OM growth 3Y-39.41%
OM growth 5Y-14.76%
PM growth 3Y-30.9%
PM growth 5Y-8.56%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
PFH has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for PFH has been reduced compared to 1 year ago.
The number of shares outstanding for PFH has been reduced compared to 5 years ago.
PFH has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of PFH is 4.18, which is a neutral value as it means it would take PFH, 4.18 years of fcf income to pay off all of its debts.
PFH has a Debt to FCF ratio (4.18) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.67 indicates that PFH is somewhat dependend on debt financing.
PFH's Debt to Equity ratio of 0.67 is on the low side compared to the rest of the industry. PFH is outperformed by 81.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.67 | ||
| Debt/FCF | 4.18 | ||
| Altman-Z | N/A |
ROIC/WACC0.03
WACC9.29%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 12.09% over the past year.
PFH shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.07% yearly.
The Revenue for PFH has decreased by -24.65% in the past year. This is quite bad
Measured over the past years, PFH shows a small growth in Revenue. The Revenue has been growing by 0.36% on average per year.
EPS 1Y (TTM)12.09%
EPS 3Y-4.48%
EPS 5Y2.07%
EPS Q2Q%22.41%
Revenue 1Y (TTM)-24.65%
Revenue growth 3Y-2.22%
Revenue growth 5Y0.36%
Sales Q2Q%-16.64%
3.2 Future
Based on estimates for the next years, PFH will show a small growth in Earnings Per Share. The EPS will grow by 0.81% on average per year.
Based on estimates for the next years, PFH will show a small growth in Revenue. The Revenue will grow by 0.18% on average per year.
EPS Next Y13.45%
EPS Next 2Y7.95%
EPS Next 3Y7.47%
EPS Next 5Y0.81%
Revenue Next Year-17.41%
Revenue Next 2Y-8.39%
Revenue Next 3Y-4.35%
Revenue Next 5Y0.18%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 1.24, which indicates a rather cheap valuation of PFH.
Based on the Price/Earnings ratio, PFH is valued cheaply inside the industry as 94.59% of the companies are valued more expensively.
PFH's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.39.
PFH is valuated cheaply with a Price/Forward Earnings ratio of 1.16.
94.59% of the companies in the same industry are more expensive than PFH, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 23.84. PFH is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.24 | ||
| Fwd PE | 1.16 |
4.2 Price Multiples
86.49% of the companies in the same industry are more expensive than PFH, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, PFH is valued cheaper than 93.24% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.16 | ||
| EV/EBITDA | 3.46 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.09
PEG (5Y)0.6
EPS Next 2Y7.95%
EPS Next 3Y7.47%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.67%, PFH is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 2.30, PFH pays a better dividend. On top of this PFH pays more dividend than 87.84% of the companies listed in the same industry.
PFH's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.67% |
5.2 History
The dividend of PFH has a limited annual growth rate of 5.51%.
PFH has been paying a dividend for over 5 years, so it has already some track record.
The dividend of PFH decreased in the last 3 years.
Dividend Growth(5Y)5.51%
Div Incr Years0
Div Non Decr Years2
5.3 Sustainability
74.23% of the earnings are spent on dividend by PFH. This is not a sustainable payout ratio.
The dividend of PFH is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP74.23%
EPS Next 2Y7.95%
EPS Next 3Y7.47%
PRUDENTIAL FINANCIAL INC - PRU 4 1/8 09/01/60
NYSE:PFH (12/19/2025, 8:09:43 PM)
After market: 17.44 0 (0%)17.44
+0.02 (+0.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners61.87%
Inst Owner Change0%
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap6.10B
Revenue(TTM)53.54B
Net Income(TTM)2.58B
Analysts66.67
Price Target18.71 (7.28%)
Short Float %0%
Short Ratio0.13
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.67% |
Yearly Dividend5.3
Dividend Growth(5Y)5.51%
DP74.23%
Div Incr Years0
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.29%
Min EPS beat(2)10.45%
Max EPS beat(2)14.14%
EPS beat(4)3
Avg EPS beat(4)4.31%
Min EPS beat(4)-9.72%
Max EPS beat(4)14.14%
EPS beat(8)3
Avg EPS beat(8)1.28%
EPS beat(12)4
Avg EPS beat(12)0.08%
EPS beat(16)7
Avg EPS beat(16)1.84%
Revenue beat(2)1
Avg Revenue beat(2)6.36%
Min Revenue beat(2)-1.02%
Max Revenue beat(2)13.74%
Revenue beat(4)1
Avg Revenue beat(4)-1.67%
Min Revenue beat(4)-12.43%
Max Revenue beat(4)13.74%
Revenue beat(8)4
Avg Revenue beat(8)8.94%
Revenue beat(12)5
Avg Revenue beat(12)4.48%
Revenue beat(16)7
Avg Revenue beat(16)5.29%
PT rev (1m)-7.84%
PT rev (3m)-7.49%
EPS NQ rev (1m)0.43%
EPS NQ rev (3m)0.9%
EPS NY rev (1m)2.34%
EPS NY rev (3m)5.29%
Revenue NQ rev (1m)-3.12%
Revenue NQ rev (3m)-0.09%
Revenue NY rev (1m)1.55%
Revenue NY rev (3m)2.21%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.24 | ||
| Fwd PE | 1.16 | ||
| P/S | 0.11 | ||
| P/FCF | 1.16 | ||
| P/OCF | 1.16 | ||
| P/B | 0.19 | ||
| P/tB | 0.19 | ||
| EV/EBITDA | 3.46 |
EPS(TTM)14.09
EY80.79%
EPS(NY)15.09
Fwd EY86.53%
FCF(TTM)15.07
FCFY86.4%
OCF(TTM)15.07
OCFY86.4%
SpS152.97
BVpS91.7
TBVpS91.7
PEG (NY)0.09
PEG (5Y)0.6
Graham Number170.5
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.33% | ||
| ROE | 8.05% | ||
| ROCE | 0.34% | ||
| ROIC | 0.28% | ||
| ROICexc | 0.28% | ||
| ROICexgc | 0.43% | ||
| OM | 4.87% | ||
| PM (TTM) | 4.83% | ||
| GM | N/A | ||
| FCFM | 9.85% |
ROA(3y)0.15%
ROA(5y)0.27%
ROE(3y)4.35%
ROE(5y)5.32%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y-34%
ROICexgc growth 5Y-12.49%
ROICexc growth 3Y-35.91%
ROICexc growth 5Y-11.25%
OM growth 3Y-39.41%
OM growth 5Y-14.76%
PM growth 3Y-30.9%
PM growth 5Y-8.56%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.07
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.67 | ||
| Debt/FCF | 4.18 | ||
| Debt/EBITDA | 7.6 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 186.03% | ||
| Profit Quality | 204.1% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC9.29%
ROIC/WACC0.03
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)12.09%
EPS 3Y-4.48%
EPS 5Y2.07%
EPS Q2Q%22.41%
EPS Next Y13.45%
EPS Next 2Y7.95%
EPS Next 3Y7.47%
EPS Next 5Y0.81%
Revenue 1Y (TTM)-24.65%
Revenue growth 3Y-2.22%
Revenue growth 5Y0.36%
Sales Q2Q%-16.64%
Revenue Next Year-17.41%
Revenue Next 2Y-8.39%
Revenue Next 3Y-4.35%
Revenue Next 5Y0.18%
EBIT growth 1Y-49.87%
EBIT growth 3Y-40.75%
EBIT growth 5Y-14.45%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y94.33%
FCF growth 3Y-4.66%
FCF growth 5Y-15.41%
OCF growth 1Y94.33%
OCF growth 3Y-4.66%
OCF growth 5Y-15.41%
PRUDENTIAL FINANCIAL INC - PRU 4 1/8 09/01/60 / PFH FAQ
What is the fundamental rating for PFH stock?
ChartMill assigns a fundamental rating of 3 / 10 to PFH.
What is the valuation status of PRUDENTIAL FINANCIAL INC - PRU 4 1/8 09/01/60 (PFH) stock?
ChartMill assigns a valuation rating of 8 / 10 to PRUDENTIAL FINANCIAL INC - PRU 4 1/8 09/01/60 (PFH). This can be considered as Undervalued.
How profitable is PRUDENTIAL FINANCIAL INC - PRU 4 1/8 09/01/60 (PFH) stock?
PRUDENTIAL FINANCIAL INC - PRU 4 1/8 09/01/60 (PFH) has a profitability rating of 2 / 10.
What is the valuation of PRUDENTIAL FINANCIAL INC - PRU 4 1/8 09/01/60 based on its PE and PB ratios?
The Price/Earnings (PE) ratio for PRUDENTIAL FINANCIAL INC - PRU 4 1/8 09/01/60 (PFH) is 1.24 and the Price/Book (PB) ratio is 0.19.
What is the financial health of PRUDENTIAL FINANCIAL INC - PRU 4 1/8 09/01/60 (PFH) stock?
The financial health rating of PRUDENTIAL FINANCIAL INC - PRU 4 1/8 09/01/60 (PFH) is 2 / 10.