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PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62 (PRH) Stock Fundamental Analysis

NYSE:PRH - New York Stock Exchange, Inc. - US7443208704

25.3  -0.02 (-0.08%)

Fundamental Rating

4

Overall PRH gets a fundamental rating of 4 out of 10. We evaluated PRH against 143 industry peers in the Insurance industry. PRH has a bad profitability rating. Also its financial health evaluation is rather negative. PRH is valued quite cheap, while showing a decent growth score. This is a good combination!


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

PRH had positive earnings in the past year.
PRH had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: PRH reported negative net income in multiple years.
PRH had a positive operating cash flow in each of the past 5 years.
PRH Yearly Net Income VS EBIT VS OCF VS FCFPRH Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5B 10B 15B 20B

1.2 Ratios

PRH has a worse Return On Assets (0.53%) than 72.34% of its industry peers.
With a Return On Equity value of 13.33%, PRH perfoms like the industry average, outperforming 57.45% of the companies in the same industry.
PRH has a worse Return On Invested Capital (0.55%) than 65.25% of its industry peers.
Industry RankSector Rank
ROA 0.53%
ROE 13.33%
ROIC 0.55%
ROA(3y)0.34%
ROA(5y)0.29%
ROE(3y)5.83%
ROE(5y)4.69%
ROIC(3y)N/A
ROIC(5y)N/A
PRH Yearly ROA, ROE, ROICPRH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5 -5 10

1.3 Margins

With a Profit Margin value of 5.78%, PRH perfoms like the industry average, outperforming 41.13% of the companies in the same industry.
PRH's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 7.41%, PRH is in line with its industry, outperforming 40.43% of the companies in the same industry.
PRH's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 7.41%
PM (TTM) 5.78%
GM N/A
OM growth 3YN/A
OM growth 5Y-5.72%
PM growth 3YN/A
PM growth 5Y-6.47%
GM growth 3YN/A
GM growth 5YN/A
PRH Yearly Profit, Operating, Gross MarginsPRH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5 10 15

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3

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PRH is destroying value.
The number of shares outstanding for PRH has been reduced compared to 1 year ago.
Compared to 5 years ago, PRH has less shares outstanding
Compared to 1 year ago, PRH has an improved debt to assets ratio.
PRH Yearly Shares OutstandingPRH Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M
PRH Yearly Total Debt VS Total AssetsPRH Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 200B 400B 600B 800B

2.2 Solvency

PRH has a debt to FCF ratio of 2.95. This is a good value and a sign of high solvency as PRH would need 2.95 years to pay back of all of its debts.
PRH's Debt to FCF ratio of 2.95 is in line compared to the rest of the industry. PRH outperforms 42.55% of its industry peers.
A Debt/Equity ratio of 0.69 indicates that PRH is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.69, PRH is doing worse than 84.40% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.69
Debt/FCF 2.95
Altman-Z N/A
ROIC/WACC0.07
WACC8.05%
PRH Yearly LT Debt VS Equity VS FCFPRH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 20B 40B 60B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PRH Yearly Current Assets VS Current LiabilitesPRH Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 5B 10B 15B 20B

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 9.69% over the past year.
Measured over the past years, PRH shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.10% on average per year.
PRH shows a small growth in Revenue. In the last year, the Revenue has grown by 1.30%.
The Revenue has been decreasing by -3.13% on average over the past years.
EPS 1Y (TTM)9.69%
EPS 3Y4.07%
EPS 5Y-0.1%
EPS Q2Q%1.16%
Revenue 1Y (TTM)1.3%
Revenue growth 3Y-1.82%
Revenue growth 5Y-3.13%
Sales Q2Q%92.39%

3.2 Future

Based on estimates for the next years, PRH will show a small growth in Earnings Per Share. The EPS will grow by 1.06% on average per year.
Based on estimates for the next years, PRH will show a small growth in Revenue. The Revenue will grow by 2.81% on average per year.
EPS Next Y16.21%
EPS Next 2Y13.16%
EPS Next 3Y10.82%
EPS Next 5Y1.06%
Revenue Next Year38.32%
Revenue Next 2Y10.25%
Revenue Next 3Y9.3%
Revenue Next 5Y2.81%

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
PRH Yearly Revenue VS EstimatesPRH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 20B 40B 60B
PRH Yearly EPS VS EstimatesPRH Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5 10 15

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8

4. Valuation

4.1 Price/Earnings Ratio

PRH is valuated cheaply with a Price/Earnings ratio of 2.01.
Based on the Price/Earnings ratio, PRH is valued cheaply inside the industry as 87.23% of the companies are valued more expensively.
PRH's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.29.
With a Price/Forward Earnings ratio of 1.70, the valuation of PRH can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PRH indicates a rather cheap valuation: PRH is cheaper than 90.07% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of PRH to the average of the S&P500 Index (24.44), we can say PRH is valued rather cheaply.
Industry RankSector Rank
PE 2.01
Fwd PE 1.7
PRH Price Earnings VS Forward Price EarningsPRH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

90.07% of the companies in the same industry are more expensive than PRH, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 1.24
EV/EBITDA N/A
PRH Per share dataPRH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

4.3 Compensation for Growth

PRH's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.12
PEG (5Y)N/A
EPS Next 2Y13.16%
EPS Next 3Y10.82%

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6

5. Dividend

5.1 Amount

PRH has a Yearly Dividend Yield of 4.39%, which is a nice return.
Compared to an average industry Dividend Yield of 2.99, PRH pays a better dividend. On top of this PRH pays more dividend than 84.40% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.28, PRH pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.39%

5.2 History

On average, the dividend of PRH grows each year by 6.90%, which is quite nice.
PRH has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)6.9%
Div Incr Years1
Div Non Decr Years1
PRH Yearly Dividends per sharePRH Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 0.5 1

5.3 Sustainability

46.34% of the earnings are spent on dividend by PRH. This is a bit on the high side, but may be sustainable.
The dividend of PRH is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP46.34%
EPS Next 2Y13.16%
EPS Next 3Y10.82%
PRH Yearly Income VS Free CF VS DividendPRH Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5B 10B 15B 20B
PRH Dividend Payout.PRH Dividend Payout, showing the Payout Ratio.PRH Dividend Payout.PayoutRetained Earnings

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PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62

NYSE:PRH (1/22/2025, 12:46:14 PM)

25.3

-0.02 (-0.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-30 2024-10-30/amc
Earnings (Next)02-04 2025-02-04/amc
Inst Owners59.48%
Inst Owner ChangeN/A
Ins Owners0.17%
Ins Owner ChangeN/A
Market Cap9.03B
Analysts69
Price Target28.86 (14.07%)
Short Float %0.01%
Short Ratio1.57
Dividend
Industry RankSector Rank
Dividend Yield 4.39%
Yearly Dividend5.09
Dividend Growth(5Y)6.9%
DP46.34%
Div Incr Years1
Div Non Decr Years1
Ex-Date02-14 2025-02-14 (0.3719)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1.85%
Min EPS beat(2)-2.73%
Max EPS beat(2)-0.98%
EPS beat(4)0
Avg EPS beat(4)-1.75%
Min EPS beat(4)-2.73%
Max EPS beat(4)-0.98%
EPS beat(8)1
Avg EPS beat(8)-2.04%
EPS beat(12)4
Avg EPS beat(12)1.01%
EPS beat(16)8
Avg EPS beat(16)8.1%
Revenue beat(2)2
Avg Revenue beat(2)15.4%
Min Revenue beat(2)1.3%
Max Revenue beat(2)29.51%
Revenue beat(4)3
Avg Revenue beat(4)19.56%
Min Revenue beat(4)-0.79%
Max Revenue beat(4)48.21%
Revenue beat(8)4
Avg Revenue beat(8)8.36%
Revenue beat(12)7
Avg Revenue beat(12)10.01%
Revenue beat(16)11
Avg Revenue beat(16)13.67%
PT rev (1m)6.88%
PT rev (3m)7.58%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.32%
EPS NY rev (1m)0%
EPS NY rev (3m)0.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.61%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)13.14%
Valuation
Industry RankSector Rank
PE 2.01
Fwd PE 1.7
P/S 0.13
P/FCF 1.24
P/OCF 1.24
P/B 0.3
P/tB 0.3
EV/EBITDA N/A
EPS(TTM)12.57
EY49.68%
EPS(NY)14.88
Fwd EY58.82%
FCF(TTM)20.4
FCFY80.63%
OCF(TTM)20.4
OCFY80.63%
SpS196.56
BVpS85.2
TBVpS85.2
PEG (NY)0.12
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.53%
ROE 13.33%
ROCE 0.69%
ROIC 0.55%
ROICexc 0.56%
ROICexgc 0.85%
OM 7.41%
PM (TTM) 5.78%
GM N/A
FCFM 10.38%
ROA(3y)0.34%
ROA(5y)0.29%
ROE(3y)5.83%
ROE(5y)4.69%
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
ROICexcg growth 3YN/A
ROICexcg growth 5Y-7.51%
ROICexc growth 3YN/A
ROICexc growth 5Y-6.52%
OM growth 3YN/A
OM growth 5Y-5.72%
PM growth 3YN/A
PM growth 5Y-6.47%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 0.69
Debt/FCF 2.95
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 250
Cash Conversion N/A
Profit Quality 179.61%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC8.05%
ROIC/WACC0.07
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)9.69%
EPS 3Y4.07%
EPS 5Y-0.1%
EPS Q2Q%1.16%
EPS Next Y16.21%
EPS Next 2Y13.16%
EPS Next 3Y10.82%
EPS Next 5Y1.06%
Revenue 1Y (TTM)1.3%
Revenue growth 3Y-1.82%
Revenue growth 5Y-3.13%
Sales Q2Q%92.39%
Revenue Next Year38.32%
Revenue Next 2Y10.25%
Revenue Next 3Y9.3%
Revenue Next 5Y2.81%
EBIT growth 1Y50.77%
EBIT growth 3YN/A
EBIT growth 5Y-8.67%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-34.88%
FCF growth 3Y-8.03%
FCF growth 5Y-21.37%
OCF growth 1Y-34.88%
OCF growth 3Y-8.03%
OCF growth 5Y-21.37%