PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62(NYSE:PRH) stock Fundamental Analysis

Fundamental Rating

Overall PRH gets a fundamental rating of 3 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 has a bad growth rate and is valued cheaply.

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1. Profitability

1.1 Basic Checks

In the past year PRH was profitable.

PRH had a positive operating cash flow in the past year.

In multiple years PRH reported negative net income over the last 5 years.

Each year in the past 5 years PRH had a positive operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.53%, PRH is doing worse than 71.63% of the companies in the same industry.

PRH has a Return On Equity (13.33%) which is comparable to the rest of the industry.

Looking at the Return On Invested Capital, with a value of 0.55%, PRH is doing worse than 65.96% of the companies in the same industry.

		Industry Rank	Sector 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

1.3 Margins

PRH's Profit Margin of 5.78% is in line compared to the rest of the industry. PRH outperforms 41.13% of its industry peers.

In the last couple of years the Profit Margin of PRH has declined.

Looking at the Operating Margin, with a value of 7.41%, PRH is doing worse than 60.28% of the companies in the same industry.

In the last couple of years the Operating Margin of PRH has declined.

		Industry Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PRH is destroying value.

PRH has less shares outstanding than it did 1 year ago.

PRH has less shares outstanding than it did 5 years ago.

Compared to 1 year ago, PRH has a worse debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of PRH is 2.95, which is a good value as it means it would take PRH, 2.95 years of fcf income to pay off all of its debts.

Looking at the Debt to FCF ratio, with a value of 2.95, PRH is in line with its industry, outperforming 42.55% of the companies in the same industry.

PRH has a Debt/Equity ratio of 0.69. This is a neutral value indicating PRH is somewhat dependend on debt financing.

PRH has a Debt to Equity ratio of 0.69. This is amonst the worse of the industry: PRH underperforms 85.11% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.69
Debt/FCF	2.95
Altman-Z	N/A

ROIC/WACC0.07

WACC8.27%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 11.45% over the past year.

PRH shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.07% yearly.

EPS 1Y (TTM)11.45%

EPS 3Y-4.48%

EPS 5Y2.07%

EPS Q2Q%14.73%

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%-0.08%

3.2 Future

PRH is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.38% yearly.

The Revenue is expected to decrease by -4.26% on average over the next years.

EPS Next Y11.03%

EPS Next 2Y8.55%

EPS Next 3Y8.71%

EPS Next 5Y-1.38%

Revenue Next Year-17.06%

Revenue Next 2Y-6.85%

Revenue Next 3Y-1.94%

Revenue Next 5Y-4.26%

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 1.92, the valuation of PRH can be described as very cheap.

Compared to the rest of the industry, the Price/Earnings ratio of PRH indicates a rather cheap valuation: PRH is cheaper than 88.65% of the companies listed in the same industry.

PRH's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.63.

The Price/Forward Earnings ratio is 1.73, which indicates a rather cheap valuation of PRH.

Based on the Price/Forward Earnings ratio, PRH is valued cheaper than 90.07% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 22.68. PRH is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	1.92
Fwd PE	1.73

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, PRH is valued cheaply inside the industry as 90.78% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	1.21
EV/EBITDA	N/A

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)0.17

PEG (5Y)0.93

EPS Next 2Y8.55%

EPS Next 3Y8.71%

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5. Dividend

5.1 Amount

PRH has a Yearly Dividend Yield of 4.86%, which is a nice return.

Compared to an average industry Dividend Yield of 3.09, PRH pays a better dividend. On top of this PRH pays more dividend than 87.23% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.29, PRH pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.86%

5.2 History

The dividend of PRH has a limited annual growth rate of 5.51%.

PRH has paid a dividend for less than 5 years, so there is no long track record yet.

Dividend Growth(5Y)5.51%

Div Incr Years1

Div Non Decr Years1

5.3 Sustainability

PRH pays out 46.34% of its income as dividend. This is a bit on the high side, but may be sustainable.

DP46.34%

EPS Next 2Y8.55%

EPS Next 3Y8.71%

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PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62

NYSE:PRH (2/21/2025, 8:04:00 PM)

24.87

+0.12 (+0.48%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)02-04 2025-02-04/amc

Earnings (Next)04-28 2025-04-28/amc

Inst Owners61.12%

Inst Owner ChangeN/A

Ins Owners0.12%

Ins Owner ChangeN/A

Market Cap8.82B

Analysts67.62

Price Target28.86 (16.04%)

Short Float %0%

Short Ratio0.63

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.86%

Yearly Dividend5.3

Dividend Growth(5Y)5.51%

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)0%

PT rev (3m)8.55%

EPS NQ rev (1m)-3.37%

EPS NQ rev (3m)-3.24%

EPS NY rev (1m)-3.76%

EPS NY rev (3m)-3.61%

Revenue NQ rev (1m)-0.97%

Revenue NQ rev (3m)-0.97%

Revenue NY rev (1m)-1.16%

Revenue NY rev (3m)-0.74%

Valuation

		Industry Rank	Sector Rank
PE	1.92
Fwd PE	1.73
P/S	0.13
P/FCF	1.21
P/OCF	1.21
P/B	0.29
P/tB	0.29
EV/EBITDA	N/A

EPS(TTM)12.95

EY52.07%

EPS(NY)14.38

Fwd EY57.81%

FCF(TTM)20.54

FCFY82.58%

OCF(TTM)20.54

OCFY82.58%

SpS197.89

BVpS85.78

TBVpS85.78

PEG (NY)0.17

PEG (5Y)0.93

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC8.27%

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)11.45%

EPS 3Y-4.48%

EPS 5Y2.07%

EPS Q2Q%14.73%

EPS Next Y11.03%

EPS Next 2Y8.55%

EPS Next 3Y8.71%

EPS Next 5Y-1.38%

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%-0.08%

Revenue Next Year-17.06%

Revenue Next 2Y-6.85%

Revenue Next 3Y-1.94%

Revenue Next 5Y-4.26%

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%

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens