PRUDENTIAL FINANCIAL INC (PRU) Stock Fundamental Analysis

NYSE:PRU • US7443201022

98.38 USD
-3.93 (-3.84%)
At close: Feb 27, 2026
98.507 USD
+0.13 (+0.13%)
After Hours: 2/27/2026, 8:27:41 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, PRU scores 4 out of 10 in our fundamental rating. PRU was compared to 150 industry peers in the Insurance industry. PRU may be in some trouble as it scores bad on both profitability and health. PRU has a correct valuation and a medium growth rate. PRU also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

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.
  • Of the past 5 years PRU 4 years were profitable.
  • PRU had a positive operating cash flow in each of the past 5 years.
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 2025 0 5B 10B 15B 20B

1.2 Ratios

  • PRU has a worse Return On Assets (0.46%) than 76.00% of its industry peers.
  • PRU has a Return On Equity (10.90%) which is in line with its industry peers.
  • The Return On Invested Capital of PRU (0.39%) is worse than 70.00% of its industry peers.
  • PRU had an Average Return On Invested Capital over the past 3 years of 0.37%. This is significantly below the industry average of 15.13%.
  • The 3 year average ROIC (0.37%) for PRU is below the current ROIC(0.39%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 0.46%
ROE 10.9%
ROIC 0.39%
ROA(3y)0.39%
ROA(5y)0.37%
ROE(3y)9.8%
ROE(5y)7.61%
ROIC(3y)0.37%
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

  • PRU's Profit Margin of 6.33% is on the low side compared to the rest of the industry. PRU is outperformed by 62.67% of its industry peers.
  • With a Operating Margin value of 6.72%, PRU is not doing good in the industry: 72.00% of the companies in the same industry are doing better.
Industry RankSector Rank
OM 6.72%
PM (TTM) 6.33%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
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 2025 0 5 10 15

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PRU is destroying value.
  • The number of shares outstanding for PRU has been reduced compared to 1 year ago.
  • Compared to 5 years ago, PRU has less shares outstanding
  • PRU has a worse debt/assets ratio than last year.
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

  • The Debt to FCF ratio of PRU is 3.66, which is a good value as it means it would take PRU, 3.66 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 3.66, PRU perfoms like the industry average, outperforming 42.67% of the companies in the same industry.
  • PRU has a Debt/Equity ratio of 0.66. This is a neutral value indicating PRU is somewhat dependend on debt financing.
  • PRU's Debt to Equity ratio of 0.66 is on the low side compared to the rest of the industry. PRU is outperformed by 80.67% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.66
Debt/FCF 3.66
Altman-Z N/A
ROIC/WACC0.05
WACC7.98%
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

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 11.43% over the past year.
  • PRU shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.96% yearly.
  • The Revenue for PRU has decreased by -15.29% in the past year. This is quite bad
  • Measured over the past years, PRU shows a small growth in Revenue. The Revenue has been growing by 1.42% on average per year.
EPS 1Y (TTM)11.43%
EPS 3Y15.11%
EPS 5Y6.96%
EPS Q2Q%11.49%
Revenue 1Y (TTM)-15.29%
Revenue growth 3Y2.26%
Revenue growth 5Y1.42%
Sales Q2Q%17.74%

3.2 Future

  • PRU is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.50% yearly.
  • PRU is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.06% yearly.
EPS Next Y4.46%
EPS Next 2Y5.1%
EPS Next 3Y5.44%
EPS Next 5Y5.5%
Revenue Next Year0.83%
Revenue Next 2Y1.91%
Revenue Next 3Y1.81%
Revenue Next 5Y3.06%

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 accelerating.
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 6.82.
  • Based on the Price/Earnings ratio, PRU is valued a bit cheaper than 78.67% of the companies in the same industry.
  • PRU's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.10.
  • With a Price/Forward Earnings ratio of 6.53, the valuation of PRU can be described as very cheap.
  • 76.00% of the companies in the same industry are more expensive than PRU, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, PRU is valued rather cheaply.
Industry RankSector Rank
PE 6.82
Fwd PE 6.53
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of PRU is on the same level as its industry peers.
  • Based on the Price/Free Cash Flow ratio, PRU is valued a bit cheaper than the industry average as 68.00% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 5.46
EV/EBITDA 10
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)1.53
PEG (5Y)0.98
EPS Next 2Y5.1%
EPS Next 3Y5.44%

More info and screens

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

8

5. Dividend

5.1 Amount

  • PRU has a Yearly Dividend Yield of 5.98%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.63, PRU pays a better dividend. On top of this PRU pays more dividend than 82.00% of the companies listed in the same industry.
  • PRU's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 5.98%

5.2 History

  • The dividend of PRU has a limited annual growth rate of 4.31%.
  • 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)4.31%
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 2026 1 2 3 4 5

5.3 Sustainability

  • PRU pays out 54.48% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • The dividend of PRU is growing, but earnings are growing more, so the dividend growth is sustainable.
DP54.48%
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 2025 0 5B 10B 15B 20B
PRU Dividend Payout.PRU Dividend Payout, showing the Payout Ratio.PRU Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

PRUDENTIAL FINANCIAL INC

NYSE:PRU (2/27/2026, 8:27:41 PM)

After market: 98.507 +0.13 (+0.13%)

98.38

-3.93 (-3.84%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-03
Earnings (Next)04-28
Inst Owners61.95%
Inst Owner Change-0.87%
Ins Owners0.1%
Ins Owner Change4.06%
Market Cap34.23B
Revenue(TTM)55.85B
Net Income(TTM)3.54B
Analysts66.36
Price Target123.2 (25.23%)
Short Float %2.25%
Short Ratio3.9
Dividend
Industry RankSector Rank
Dividend Yield 5.98%
Yearly Dividend5.48
Dividend Growth(5Y)4.31%
DP54.48%
Div Incr Years16
Div Non Decr Years16
Ex-Date02-17
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)5.56%
Min EPS beat(2)-3.02%
Max EPS beat(2)14.14%
EPS beat(4)3
Avg EPS beat(4)5.99%
Min EPS beat(4)-3.02%
Max EPS beat(4)14.14%
EPS beat(8)3
Avg EPS beat(8)1.15%
EPS beat(12)4
Avg EPS beat(12)0.22%
EPS beat(16)6
Avg EPS beat(16)-0.45%
Revenue beat(2)2
Avg Revenue beat(2)8.18%
Min Revenue beat(2)2.63%
Max Revenue beat(2)13.74%
Revenue beat(4)2
Avg Revenue beat(4)2.1%
Min Revenue beat(4)-6.96%
Max Revenue beat(4)13.74%
Revenue beat(8)5
Avg Revenue beat(8)9.37%
Revenue beat(12)6
Avg Revenue beat(12)5.48%
Revenue beat(16)7
Avg Revenue beat(16)2.9%
PT rev (1m)0.4%
PT rev (3m)3.03%
EPS NQ rev (1m)-4.15%
EPS NQ rev (3m)-6.19%
EPS NY rev (1m)-0.1%
EPS NY rev (3m)0.23%
Revenue NQ rev (1m)0.13%
Revenue NQ rev (3m)0.03%
Revenue NY rev (1m)-0.26%
Revenue NY rev (3m)-1.07%
Valuation
Industry RankSector Rank
PE 6.82
Fwd PE 6.53
P/S 0.61
P/FCF 5.46
P/OCF 5.46
P/B 1.06
P/tB 1.06
EV/EBITDA 10
EPS(TTM)14.43
EY14.67%
EPS(NY)15.07
Fwd EY15.32%
FCF(TTM)18.03
FCFY18.32%
OCF(TTM)18.03
OCFY18.32%
SpS160.55
BVpS93.24
TBVpS93.24
PEG (NY)1.53
PEG (5Y)0.98
Graham Number173.99
Profitability
Industry RankSector Rank
ROA 0.46%
ROE 10.9%
ROCE 0.49%
ROIC 0.39%
ROICexc 0.4%
ROICexgc 0.61%
OM 6.72%
PM (TTM) 6.33%
GM N/A
FCFM 11.23%
ROA(3y)0.39%
ROA(5y)0.37%
ROE(3y)9.8%
ROE(5y)7.61%
ROIC(3y)0.37%
ROIC(5y)N/A
ROICexc(3y)0.37%
ROICexc(5y)N/A
ROICexgc(3y)0.57%
ROICexgc(5y)N/A
ROCE(3y)0.45%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 0.66
Debt/FCF 3.66
Debt/EBITDA 5.54
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 1.97
Cash Conversion 161.5%
Profit Quality 177.4%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC7.98%
ROIC/WACC0.05
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)252.54%
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 5Y5.5%
Revenue 1Y (TTM)-15.29%
Revenue growth 3Y2.26%
Revenue growth 5Y1.42%
Sales Q2Q%17.74%
Revenue Next Year0.83%
Revenue Next 2Y1.91%
Revenue Next 3Y1.81%
Revenue Next 5Y3.06%
EBIT growth 1Y32.69%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-26.24%
FCF growth 3Y6.73%
FCF growth 5Y-5.61%
OCF growth 1Y-26.24%
OCF growth 3Y6.73%
OCF growth 5Y-5.61%

PRUDENTIAL FINANCIAL INC / PRU FAQ

What is the fundamental rating for PRU stock?

ChartMill assigns a fundamental rating of 4 / 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 3 / 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 6.82 and the Price/Book (PB) ratio is 1.06.


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

The dividend rating of PRUDENTIAL FINANCIAL INC (PRU) is 8 / 10 and the dividend payout ratio is 54.48%.