PRUDENTIAL FINANCIAL INC (PRU) Stock Fundamental Analysis

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

107.18 USD
-4.54 (-4.06%)
At close: Feb 3, 2026
105.5 USD
-1.68 (-1.57%)
After Hours: 2/3/2026, 8:04:00 PM
Fundamental Rating

2

Taking everything into account, PRU scores 2 out of 10 in our fundamental rating. PRU was compared to 147 industry peers in the Insurance industry. PRU may be in some trouble as it scores bad on both profitability and health. PRU has a valuation in line with the averages, but it does not seem to be growing. Finally 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.
  • In multiple years PRU reported negative net income over the last 5 years.
  • PRU had a positive operating cash flow in 4 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 0 5B 10B 15B 20B

1.2 Ratios

  • With a Return On Assets value of 0.33%, PRU is not doing good in the industry: 82.31% of the companies in the same industry are doing better.
  • PRU has a worse Return On Equity (8.05%) than 64.63% of its industry peers.
  • With a Return On Invested Capital value of 0.28%, PRU is not doing good in the industry: 72.11% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.33%
ROE 8.05%
ROIC 0.28%
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 0 5 -5 10

1.3 Margins

  • With a Profit Margin value of 4.83%, 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 worse Operating Margin (4.87%) than 79.59% of its industry peers.
  • In the last couple of years the Operating Margin of PRU has declined.
Industry RankSector Rank
OM 4.87%
PM (TTM) 4.83%
GM N/A
OM growth 3Y-39.41%
OM growth 5Y-14.76%
PM growth 3Y-30.9%
PM growth 5Y-8.56%
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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1

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PRU is destroying value.
  • There is no outstanding debt for PRU. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
PRU Yearly Shares OutstandingPRU Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 200B 400B 600B 800B

2.2 Solvency

  • The Debt to FCF ratio of PRU is 4.18, which is a neutral value as it means it would take PRU, 4.18 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of PRU (4.18) is worse than 61.90% of its industry peers.
  • PRU has a Debt/Equity ratio of 0.67. This is a neutral value indicating PRU is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.67, PRU is doing worse than 83.67% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.67
Debt/FCF 4.18
Altman-Z N/A
ROIC/WACC0.03
WACC8.49%
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 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 5B 10B 15B 20B

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2

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.
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

  • PRU is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.68% yearly.
  • Based on estimates for the next years, PRU will show a small growth in Revenue. The Revenue will grow by 5.04% on average per year.
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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5

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 7.43, the valuation of PRU can be described as very cheap.
  • PRU's Price/Earnings ratio is a bit cheaper when compared to the industry. PRU is cheaper than 74.83% of the companies in the same industry.
  • PRU is valuated cheaply when we compare the Price/Earnings ratio to 28.18, which is the current average of the S&P500 Index.
  • PRU is valuated cheaply with a Price/Forward Earnings ratio of 7.11.
  • Based on the Price/Forward Earnings ratio, PRU is valued a bit cheaper than 75.51% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 25.51, PRU is valued rather cheaply.
Industry RankSector Rank
PE 7.43
Fwd PE 7.11
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

  • Based on the Enterprise Value to EBITDA ratio, PRU is valued a bit more expensive than the industry average as 61.22% of the companies are valued more cheaply.
  • PRU's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 7.11
EV/EBITDA 14.54
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)1.67
PEG (5Y)1.07
EPS Next 2Y5.1%
EPS Next 3Y5.44%

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7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 4.83%, PRU is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.19, PRU pays a better dividend. On top of this PRU pays more dividend than 88.44% 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 1.83.
Industry RankSector Rank
Dividend Yield 4.83%

5.2 History

  • The dividend of PRU has a limited annual growth rate of 5.51%.
  • PRU has paid a dividend for at least 10 years, which is a reliable track record.
  • PRU has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)5.51%
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.
  • The Dividend Rate of PRU has been growing, while earnings will be declining. 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 (2/3/2026, 8:04:00 PM)

After market: 105.5 -1.68 (-1.57%)

107.18

-4.54 (-4.06%)

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 Cap37.51B
Revenue(TTM)N/A
Net Income(TTM)2.58B
Analysts66.67
Price Target123.2 (14.95%)
Short Float %1.97%
Short Ratio4.03
Dividend
Industry RankSector Rank
Dividend Yield 4.83%
Yearly Dividend5.3
Dividend Growth(5Y)5.51%
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)5.29%
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 7.43
Fwd PE 7.11
P/S 0.7
P/FCF 7.11
P/OCF 7.11
P/B 1.17
P/tB 1.17
EV/EBITDA 14.54
EPS(TTM)14.43
EY13.46%
EPS(NY)15.07
Fwd EY14.06%
FCF(TTM)15.07
FCFY14.06%
OCF(TTM)15.07
OCFY14.06%
SpS152.97
BVpS91.7
TBVpS91.7
PEG (NY)1.67
PEG (5Y)1.07
Graham Number172.55
Profitability
Industry RankSector Rank
ROA 0.33%
ROE 8.05%
ROCE 0.34%
ROIC 0.28%
ROICexc 0.28%
ROICexgc 0.43%
OM 4.87%
PM (TTM) 4.83%
GM N/A
FCFM 9.85%
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-39.41%
OM growth 5Y-14.76%
PM growth 3Y-30.9%
PM growth 5Y-8.56%
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 7.6
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 250
Cash Conversion 186.03%
Profit Quality 204.1%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.49%
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-49.87%
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 3 / 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 2 / 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 7.43 and the Price/Book (PB) ratio is 1.17.


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%.