PRUDENTIAL FINANCIAL INC - PRU 5 5/8 08/15/58(NYSE:PRS) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to PRS. PRS was compared to 143 industry peers in the Insurance industry. PRS may be in some trouble as it scores bad on both profitability and health. PRS is cheap, but on the other hand it scores bad on growth.

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1. Profitability

1.1 Basic Checks

PRS had positive earnings in the past year.

In the past year PRS had a positive cash flow from operations.

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

In the past 5 years PRS always reported a positive cash flow from operatings.

1.2 Ratios

The Return On Assets of PRS (0.53%) is worse than 70.92% of its industry peers.

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

PRS has a worse Return On Invested Capital (0.55%) than 65.25% of its industry peers.

		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

The Profit Margin of PRS (5.78%) is comparable to the rest of the industry.

PRS's Profit Margin has declined in the last couple of years.

With a Operating Margin value of 7.41%, PRS perfoms like the industry average, outperforming 40.43% of the companies in the same industry.

PRS's Operating Margin has declined in the last couple of years.

		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 PRS is destroying value.

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

The number of shares outstanding for PRS has been reduced compared to 5 years ago.

The debt/assets ratio for PRS is higher compared to a year ago.

2.2 Solvency

PRS has a debt to FCF ratio of 2.95. This is a good value and a sign of high solvency as PRS would need 2.95 years to pay back of all of its debts.

PRS's Debt to FCF ratio of 2.95 is in line compared to the rest of the industry. PRS outperforms 43.26% of its industry peers.

A Debt/Equity ratio of 0.69 indicates that PRS is somewhat dependend on debt financing.

With a Debt to Equity ratio value of 0.69, PRS is not doing good in the industry: 84.40% of the companies in the same industry are doing better.

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

ROIC/WACC0.07

WACC8.28%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

PRS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.45%, which is quite good.

PRS 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

The Earnings Per Share is expected to decrease by -1.38% on average over the next years.

PRS is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -4.26% yearly.

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

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 1.83, the valuation of PRS can be described as very cheap.

Based on the Price/Earnings ratio, PRS is valued cheaper than 89.36% of the companies in the same industry.

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

With a Price/Forward Earnings ratio of 1.65, the valuation of PRS can be described as very cheap.

Based on the Price/Forward Earnings ratio, PRS is valued cheaply inside the industry as 91.49% of the companies are valued more expensively.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.68, PRS is valued rather cheaply.

		Industry Rank	Sector Rank
PE	1.83
Fwd PE	1.65

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of PRS indicates a rather cheap valuation: PRS is cheaper than 91.49% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	1.16
EV/EBITDA	N/A

4.3 Compensation for Growth

PRS'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)0.89

EPS Next 2Y8.55%

EPS Next 3Y8.71%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.86%, PRS is a good candidate for dividend investing.

PRS's Dividend Yield is rather good when compared to the industry average which is at 3.09. PRS pays more dividend than 87.94% of the companies in the same industry.

PRS's Dividend Yield is rather good when compared to the S&P500 average which is at 2.29.

		Industry Rank	Sector Rank
Dividend Yield	4.86%

5.2 History

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

PRS has been paying a dividend for over 5 years, so it has already some track record.

PRS has not decreased its dividend in the last 3 years.

Dividend Growth(5Y)5.51%

Div Incr Years0

Div Non Decr Years3

5.3 Sustainability

PRS 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 5/8 08/15/58

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

23.73

+0.01 (+0.04%)

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 Cap8.41B

Analysts67.62

Price Target27.21 (14.66%)

Short Float %0.01%

Short Ratio0.43

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.86%

Yearly Dividend5.3

Dividend Growth(5Y)5.51%

DP46.34%

Div Incr Years0

Div Non Decr Years3

Ex-Date01-31 2025-01-31 (0.3515625)

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)8.08%

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	1.83
Fwd PE	1.65
P/S	0.12
P/FCF	1.16
P/OCF	1.16
P/B	0.28
P/tB	0.28
EV/EBITDA	N/A

EPS(TTM)12.95

EY54.57%

EPS(NY)14.38

Fwd EY60.59%

FCF(TTM)20.54

FCFY86.55%

OCF(TTM)20.54

OCFY86.55%

SpS197.89

BVpS85.78

TBVpS85.78

PEG (NY)0.17

PEG (5Y)0.89

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

WACC8.28%

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 5/8 08/15/58 (PRS) 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