PRUDENTIAL FINANCIAL INC (PRU) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:PRU • US7443201022

102.8 USD
+2.98 (+2.99%)
At close: Feb 6, 2026
102.82 USD
+0.02 (+0.02%)
After Hours: 2/6/2026, 8:04:00 PM
Fundamental Rating

2

PRU gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 147 industry peers in the Insurance industry. Both the profitability and financial health of PRU have multiple concerns. PRU is valued correctly, but it does not seem to be growing. PRU also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • PRU had positive earnings in the past year.
  • PRU had a positive operating cash flow in the past year.
  • The reported net income has been mixed in the past 5 years: PRU reported negative net income in multiple years.
  • Of the past 5 years PRU 4 years had a positive operating cash flow.
PRU Yearly Net Income VS EBIT VS OCF VS FCFPRU Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B 20B

1.2 Ratios

  • The Return On Assets of PRU (0.33%) is worse than 82.31% of its industry peers.
  • PRU has a Return On Equity of 8.05%. This is in the lower half of the industry: PRU underperforms 64.63% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 0.27%, PRU is doing worse than 72.11% of the companies in the same industry.
Industry RankSector Rank
ROA 0.33%
ROE 8.05%
ROIC 0.27%
ROA(3y)0.15%
ROA(5y)0.27%
ROE(3y)4.35%
ROE(5y)5.32%
ROIC(3y)N/A
ROIC(5y)N/A
PRU Yearly ROA, ROE, ROICPRU Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10

1.3 Margins

  • With a Profit Margin value of 4.89%, PRU is not doing good in the industry: 68.03% of the companies in the same industry are doing better.
  • PRU's Profit Margin has declined in the last couple of years.
  • PRU has a Operating Margin of 4.84%. This is in the lower half of the industry: PRU underperforms 79.59% of its industry peers.
  • In the last couple of years the Operating Margin of PRU has declined.
Industry RankSector Rank
OM 4.84%
PM (TTM) 4.89%
GM N/A
OM growth 3Y-40.52%
OM growth 5Y-15.72%
PM growth 3Y-32.17%
PM growth 5Y-9.58%
GM growth 3YN/A
GM growth 5YN/A
PRU Yearly Profit, Operating, Gross MarginsPRU Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • PRU 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 PRU has been reduced compared to 1 year ago.
  • PRU has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for PRU is higher compared to a year ago.
PRU Yearly Shares OutstandingPRU Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M
PRU Yearly Total Debt VS Total AssetsPRU Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200B 400B 600B 800B

2.2 Solvency

  • PRU has a debt to FCF ratio of 4.18. This is a neutral value as PRU would need 4.18 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 4.18, PRU is doing worse than 61.90% of the companies in the same industry.
  • PRU has a Debt/Equity ratio of 0.67. This is a neutral value indicating PRU is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.67, PRU is not doing good in the industry: 82.99% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.67
Debt/FCF 4.18
Altman-Z N/A
ROIC/WACC0.03
WACC8.43%
PRU Yearly LT Debt VS Equity VS FCFPRU Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PRU Yearly Current Assets VS Current LiabilitesPRU Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. Growth

3.1 Past

  • PRU shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.43%, which is quite good.
  • The Earnings Per Share has been growing slightly by 6.96% on average over the past years.
EPS 1Y (TTM)11.43%
EPS 3Y15.11%
EPS 5Y6.96%
EPS Q2Q%11.49%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%11.62%

3.2 Future

  • The Earnings Per Share is expected to decrease by -1.68% on average over the next years.
  • PRU is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.04% yearly.
EPS Next Y4.46%
EPS Next 2Y5.1%
EPS Next 3Y5.44%
EPS Next 5Y-1.68%
Revenue Next Year1.08%
Revenue Next 2Y2.43%
Revenue Next 3Y6.07%
Revenue Next 5Y5.04%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
PRU Yearly Revenue VS EstimatesPRU Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 20B 40B 60B
PRU Yearly EPS VS EstimatesPRU Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5 10 15

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • PRU is valuated cheaply with a Price/Earnings ratio of 7.12.
  • PRU's Price/Earnings ratio is a bit cheaper when compared to the industry. PRU is cheaper than 78.91% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of PRU to the average of the S&P500 Index (27.92), we can say PRU is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 6.82, the valuation of PRU can be described as very cheap.
  • PRU's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. PRU is cheaper than 76.87% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of PRU to the average of the S&P500 Index (27.78), we can say PRU is valued rather cheaply.
Industry RankSector Rank
PE 7.12
Fwd PE 6.82
PRU Price Earnings VS Forward Price EarningsPRU Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • PRU's Enterprise Value to EBITDA ratio is in line with the industry average.
  • Based on the Price/Free Cash Flow ratio, PRU is valued a bit cheaper than 61.90% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.82
EV/EBITDA 13.88
PRU Per share dataPRU EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.6
PEG (5Y)1.02
EPS Next 2Y5.1%
EPS Next 3Y5.44%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • PRU has a Yearly Dividend Yield of 5.48%, which is a nice return.
  • PRU's Dividend Yield is rather good when compared to the industry average which is at 2.21. PRU pays more dividend than 88.44% of the companies in the same industry.
  • PRU's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 5.48%

5.2 History

  • The dividend of PRU has a limited annual growth rate of 5.50%.
  • PRU has been paying a dividend for at least 10 years, so it has a reliable track record.
  • PRU has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)5.5%
Div Incr Years16
Div Non Decr Years16
PRU Yearly Dividends per sharePRU Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3 4 5

5.3 Sustainability

  • 74.23% of the earnings are spent on dividend by PRU. This is not a sustainable payout ratio.
  • PRU's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP74.23%
EPS Next 2Y5.1%
EPS Next 3Y5.44%
PRU Yearly Income VS Free CF VS DividendPRU Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B 20B
PRU Dividend Payout.PRU Dividend Payout, showing the Payout Ratio.PRU Dividend Payout.PayoutRetained Earnings

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PRUDENTIAL FINANCIAL INC

NYSE:PRU (2/6/2026, 8:04:00 PM)

After market: 102.82 +0.02 (+0.02%)

102.8

+2.98 (+2.99%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-03
Earnings (Next)04-28
Inst Owners61.95%
Inst Owner Change-1.34%
Ins Owners0.1%
Ins Owner Change-1.18%
Market Cap35.98B
Revenue(TTM)N/A
Net Income(TTM)2.58B
Analysts66.67
Price Target123.2 (19.84%)
Short Float %1.97%
Short Ratio4.03
Dividend
Industry RankSector Rank
Dividend Yield 5.48%
Yearly Dividend5.3
Dividend Growth(5Y)5.5%
DP74.23%
Div Incr Years16
Div Non Decr Years16
Ex-DateN/A
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)3.31%
PT rev (1m)1.89%
PT rev (3m)3.03%
EPS NQ rev (1m)-0.15%
EPS NQ rev (3m)-0.02%
EPS NY rev (1m)-0.19%
EPS NY rev (3m)4.56%
Revenue NQ rev (1m)-0.83%
Revenue NQ rev (3m)-0.17%
Revenue NY rev (1m)0.37%
Revenue NY rev (3m)2.83%
Valuation
Industry RankSector Rank
PE 7.12
Fwd PE 6.82
P/S 0.68
P/FCF 6.82
P/OCF 6.82
P/B 1.12
P/tB 1.12
EV/EBITDA 13.88
EPS(TTM)14.43
EY14.04%
EPS(NY)15.07
Fwd EY14.66%
FCF(TTM)15.07
FCFY14.66%
OCF(TTM)15.07
OCFY14.66%
SpS150.86
BVpS91.7
TBVpS91.7
PEG (NY)1.6
PEG (5Y)1.02
Graham Number172.55
Profitability
Industry RankSector Rank
ROA 0.33%
ROE 8.05%
ROCE 0.33%
ROIC 0.27%
ROICexc 0.28%
ROICexgc 0.42%
OM 4.84%
PM (TTM) 4.89%
GM N/A
FCFM 9.99%
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-40.52%
OM growth 5Y-15.72%
PM growth 3Y-32.17%
PM growth 5Y-9.58%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 0.67
Debt/FCF 4.18
Debt/EBITDA 7.73
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 250
Cash Conversion 189.37%
Profit Quality 204.1%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.43%
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)11.43%
EPS 3Y15.11%
EPS 5Y6.96%
EPS Q2Q%11.49%
EPS Next Y4.46%
EPS Next 2Y5.1%
EPS Next 3Y5.44%
EPS Next 5Y-1.68%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%11.62%
Revenue Next Year1.08%
Revenue Next 2Y2.43%
Revenue Next 3Y6.07%
Revenue Next 5Y5.04%
EBIT growth 1Y-49.18%
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 FAQ

What is the fundamental rating for PRU stock?

ChartMill assigns a fundamental rating of 2 / 10 to PRU.


What is the valuation status of PRUDENTIAL FINANCIAL INC (PRU) stock?

ChartMill assigns a valuation rating of 6 / 10 to PRUDENTIAL FINANCIAL INC (PRU). This can be considered as Fairly Valued.


Can you provide the profitability details for PRUDENTIAL FINANCIAL INC?

PRUDENTIAL FINANCIAL INC (PRU) has a profitability rating of 1 / 10.


What is the valuation of PRUDENTIAL FINANCIAL INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for PRUDENTIAL FINANCIAL INC (PRU) is 7.12 and the Price/Book (PB) ratio is 1.12.


How sustainable is the dividend of PRUDENTIAL FINANCIAL INC (PRU) stock?

The dividend rating of PRUDENTIAL FINANCIAL INC (PRU) is 7 / 10 and the dividend payout ratio is 74.23%.