PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62 (PRH) Stock Fundamental Analysis
NYSE:PRH - New York Stock Exchange, Inc. - US7443208704 - Currency: USD
We assign a fundamental rating of 3 out of 10 to PRH. PRH was compared to 143 industry peers in the Insurance industry. PRH may be in some trouble as it scores bad on both profitability and health. PRH has a bad growth rate and is valued cheaply.
1. Profitability
1.1 Basic Checks
In the past year PRH was profitable.
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.
Each year in the past 5 years PRH had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.37%, PRH is not doing good in the industry: 76.22% of the companies in the same industry are doing better.
PRH has a Return On Equity (9.67%) which is comparable to the rest of the industry.
PRH has a worse Return On Invested Capital (0.36%) than 66.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.37% | ||
| ROE | 9.67% | ||
| ROIC | 0.36% |
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
PRH's Profit Margin of 4.05% is on the low side compared to the rest of the industry. PRH is outperformed by 70.63% of its industry peers.
PRH's Profit Margin has declined in the last couple of years.
PRH has a worse Operating Margin (4.83%) than 76.92% of its industry peers.
PRH's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 4.83% | ||
| PM (TTM) | 4.05% | ||
| GM | N/A |
OM growth 3Y-33.92%
OM growth 5Y-10.21%
PM growth 3Y-30.9%
PM growth 5Y-8.56%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
PRH has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
PRH has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, PRH has less shares outstanding
Compared to 1 year ago, PRH has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of PRH is 2.54, which is a good value as it means it would take PRH, 2.54 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of PRH (2.54) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.76 indicates that PRH is somewhat dependend on debt financing.
The Debt to Equity ratio of PRH (0.76) is worse than 83.92% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.76 | ||
| Debt/FCF | 2.54 | ||
| Altman-Z | N/A |
ROIC/WACC0.04
WACC9.45%
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 11.45% over the past year.
The Earnings Per Share has been growing slightly by 2.07% on average over the past years.
The Revenue has decreased by -6.36% in the past year.
The Revenue has been growing slightly by 0.36% on average over the past years.
EPS 1Y (TTM)11.45%
EPS 3Y-4.48%
EPS 5Y2.07%
EPS Q2Q%14.73%
Revenue 1Y (TTM)-6.36%
Revenue growth 3Y-2.22%
Revenue growth 5Y0.36%
Sales Q2Q%-0.08%
3.2 Future
The Earnings Per Share is expected to decrease by -0.51% on average over the next years.
The Revenue is expected to decrease by -1.53% on average over the next years.
EPS Next Y7.4%
EPS Next 2Y7.5%
EPS Next 3Y7.48%
EPS Next 5Y-0.51%
Revenue Next Year-15.32%
Revenue Next 2Y-6.51%
Revenue Next 3Y-2.16%
Revenue Next 5Y-1.53%
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
With a Price/Earnings ratio of 1.87, the valuation of PRH can be described as very cheap.
Based on the Price/Earnings ratio, PRH is valued cheaply inside the industry as 86.71% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 28.29, PRH is valued rather cheaply.
With a Price/Forward Earnings ratio of 1.74, 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 90.21% of the companies listed in the same industry.
PRH's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.87 | ||
| Fwd PE | 1.74 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of PRH indicates a rather cheap valuation: PRH is cheaper than 83.92% of the companies listed in the same industry.
89.51% of the companies in the same industry are more expensive than PRH, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.01 | ||
| EV/EBITDA | 3.1 |
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)0.25
PEG (5Y)0.9
EPS Next 2Y7.5%
EPS Next 3Y7.48%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.43%, PRH is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.28, PRH pays a better dividend. On top of this PRH pays more dividend than 87.41% of the companies listed in the same industry.
PRH's Dividend Yield is rather good when compared to the S&P500 average which is at 2.51.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.43% |
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 70.19% of its income as dividend. This is not a sustainable payout ratio.
The Dividend Rate of PRH has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP70.19%
EPS Next 2Y7.5%
EPS Next 3Y7.48%
PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62
NYSE:PRH (4/17/2025, 8:04:00 PM)
24.2
+0.1 (+0.41%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners61.12%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap8.58B
Analysts67.62
Price Target28.33 (17.07%)
Short Float %0.01%
Short Ratio0.8
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.43% |
Yearly Dividend5.3
Dividend Growth(5Y)5.51%
DP70.19%
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-5.35%
Min EPS beat(2)-9.72%
Max EPS beat(2)-0.98%
EPS beat(4)0
Avg EPS beat(4)-3.69%
Min EPS beat(4)-9.72%
Max EPS beat(4)-0.98%
EPS beat(8)1
Avg EPS beat(8)-2.67%
EPS beat(12)3
Avg EPS beat(12)-2.6%
EPS beat(16)7
Avg EPS beat(16)6.7%
Revenue beat(2)1
Avg Revenue beat(2)8.54%
Min Revenue beat(2)-12.43%
Max Revenue beat(2)29.51%
Revenue beat(4)3
Avg Revenue beat(4)16.65%
Min Revenue beat(4)-12.43%
Max Revenue beat(4)48.21%
Revenue beat(8)4
Avg Revenue beat(8)7.17%
Revenue beat(12)6
Avg Revenue beat(12)7.64%
Revenue beat(16)10
Avg Revenue beat(16)12.53%
PT rev (1m)1.38%
PT rev (3m)-1.81%
EPS NQ rev (1m)-5.34%
EPS NQ rev (3m)-9.51%
EPS NY rev (1m)-3.28%
EPS NY rev (3m)-6.54%
Revenue NQ rev (1m)-2.77%
Revenue NQ rev (3m)-5.76%
Revenue NY rev (1m)-1.72%
Revenue NY rev (3m)-4.76%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.87 | ||
| Fwd PE | 1.74 | ||
| P/S | 0.13 | ||
| P/FCF | 1.01 | ||
| P/OCF | 1.01 | ||
| P/B | 0.31 | ||
| P/tB | 0.31 | ||
| EV/EBITDA | 3.1 |
EPS(TTM)12.95
EY53.51%
EPS(NY)13.91
Fwd EY57.47%
FCF(TTM)23.99
FCFY99.12%
OCF(TTM)23.99
OCFY99.12%
SpS187.64
BVpS78.64
TBVpS78.64
PEG (NY)0.25
PEG (5Y)0.9
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.37% | ||
| ROE | 9.67% | ||
| ROCE | 0.44% | ||
| ROIC | 0.36% | ||
| ROICexc | 0.37% | ||
| ROICexgc | 0.56% | ||
| OM | 4.83% | ||
| PM (TTM) | 4.05% | ||
| GM | N/A | ||
| FCFM | 12.78% |
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
ROICexcg growth 3Y-28.02%
ROICexcg growth 5Y-7.81%
ROICexc growth 3Y-30.1%
ROICexc growth 5Y-6.51%
OM growth 3Y-33.92%
OM growth 5Y-10.21%
PM growth 3Y-30.9%
PM growth 5Y-8.56%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.76 | ||
| Debt/FCF | 2.54 | ||
| Debt/EBITDA | 5.88 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 1.61 | ||
| Cash Conversion | 236.69% | ||
| Profit Quality | 315.59% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC9.45%
ROIC/WACC0.04
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 Y7.4%
EPS Next 2Y7.5%
EPS Next 3Y7.48%
EPS Next 5Y-0.51%
Revenue 1Y (TTM)-6.36%
Revenue growth 3Y-2.22%
Revenue growth 5Y0.36%
Sales Q2Q%-0.08%
Revenue Next Year-15.32%
Revenue Next 2Y-6.51%
Revenue Next 3Y-2.16%
Revenue Next 5Y-1.53%
EBIT growth 1Y-37.03%
EBIT growth 3Y-35.38%
EBIT growth 5Y-9.89%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y30.6%
FCF growth 3Y-4.66%
FCF growth 5Y-15.41%
OCF growth 1Y30.6%
OCF growth 3Y-4.66%
OCF growth 5Y-15.41%