PRUDENTIAL FINANCIAL INC (PRU) Fundamental Analysis & Valuation

NYSE:PRU • US7443201022

Current stock price

97.58 USD
-0.4 (-0.41%)
At close:
97.58 USD
0 (0%)
After Hours:

This PRU fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. PRU Profitability Analysis

1.1 Basic Checks

  • PRU had positive earnings in the past year.
  • PRU had a positive operating cash flow in the past year.
  • PRU had positive earnings in 4 of the past 5 years.
  • 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 Return On Assets of 0.46%. This is in the lower half of the industry: PRU underperforms 74.15% of its industry peers.
  • With a Return On Equity value of 10.90%, PRU perfoms like the industry average, outperforming 50.34% of the companies in the same industry.
  • PRU has a Return On Invested Capital of 0.39%. This is in the lower half of the industry: PRU underperforms 72.79% 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 9.36%.
  • The last Return On Invested Capital (0.39%) for PRU is above the 3 year average (0.37%), which is a sign of increasing profitability.
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

  • The Profit Margin of PRU (6.33%) is comparable to the rest of the industry.
  • PRU has a Operating Margin of 6.72%. This is in the lower half of the industry: PRU underperforms 76.19% of its industry peers.
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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2

2. PRU Health Analysis

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.
  • PRU has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, PRU has a worse debt to assets ratio.
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.
  • Looking at the Debt to FCF ratio, with a value of 3.66, PRU is doing worse than 62.59% of the companies in the same industry.
  • A Debt/Equity ratio of 0.66 indicates that PRU is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.66, PRU is doing worse than 82.99% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.66
Debt/FCF 3.66
Altman-Z N/A
ROIC/WACC0.05
WACC8.17%
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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4

3. PRU Growth Analysis

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.
  • The Revenue for PRU has decreased by -15.29% in the past year. This is quite bad
  • The Revenue has been growing slightly by 1.42% on average over the past years.
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 5.05% yearly.
  • The Revenue is expected to grow by 3.59% on average over the next years.
EPS Next Y0.8%
EPS Next 2Y4.09%
EPS Next 3Y4.98%
EPS Next 5Y5.05%
Revenue Next Year0.53%
Revenue Next 2Y1.81%
Revenue Next 3Y1.98%
Revenue Next 5Y3.59%

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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better 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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6

4. PRU Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 6.76 indicates a rather cheap valuation of PRU.
  • PRU's Price/Earnings ratio is a bit cheaper when compared to the industry. PRU is cheaper than 74.15% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of PRU to the average of the S&P500 Index (25.60), we can say PRU is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 6.71, the valuation of PRU can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, PRU is valued a bit cheaper than the industry average as 75.51% of the companies are valued more expensively.
  • PRU is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.84, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 6.76
Fwd PE 6.71
PRU Price Earnings VS Forward Price EarningsPRU Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as PRU.
  • 63.95% of the companies in the same industry are more expensive than PRU, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 5.42
EV/EBITDA 9.58
PRU Per share dataPRU EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)8.42
PEG (5Y)0.97
EPS Next 2Y4.09%
EPS Next 3Y4.98%

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

8

5. PRU Dividend Analysis

5.1 Amount

  • PRU has a Yearly Dividend Yield of 6.00%, which is a nice return.
  • PRU's Dividend Yield is rather good when compared to the industry average which is at 2.50. 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 1.90.
Industry RankSector Rank
Dividend Yield 6%

5.2 History

  • The dividend of PRU has a limited annual growth rate of 4.31%.
  • 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)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 around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP54.48%
EPS Next 2Y4.09%
EPS Next 3Y4.98%
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

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PRU Fundamentals: All Metrics, Ratios and Statistics

PRUDENTIAL FINANCIAL INC

NYSE:PRU (4/2/2026, 8:04:00 PM)

After market: 97.58 0 (0%)

97.58

-0.4 (-0.41%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-03
Earnings (Next)04-28
Inst Owners62.61%
Inst Owner Change-0.8%
Ins Owners0.14%
Ins Owner Change6.18%
Market Cap33.96B
Revenue(TTM)55.85B
Net Income(TTM)3.54B
Analysts56.92
Price Target112.59 (15.38%)
Short Float %2.85%
Short Ratio3.93
Dividend
Industry RankSector Rank
Dividend Yield 6%
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)-3.69%
PT rev (3m)-6.51%
EPS NQ rev (1m)-2.82%
EPS NQ rev (3m)-7.49%
EPS NY rev (1m)-3.5%
EPS NY rev (3m)-3.59%
Revenue NQ rev (1m)0.27%
Revenue NQ rev (3m)0.41%
Revenue NY rev (1m)-0.3%
Revenue NY rev (3m)-1.86%
Valuation
Industry RankSector Rank
PE 6.76
Fwd PE 6.71
P/S 0.61
P/FCF 5.42
P/OCF 5.42
P/B 1.05
P/tB 1.05
EV/EBITDA 9.58
EPS(TTM)14.43
EY14.79%
EPS(NY)14.55
Fwd EY14.91%
FCF(TTM)18.02
FCFY18.47%
OCF(TTM)18.02
OCFY18.47%
SpS160.5
BVpS93.21
TBVpS93.21
PEG (NY)8.42
PEG (5Y)0.97
Graham Number173.97
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
WACC8.17%
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 Y0.8%
EPS Next 2Y4.09%
EPS Next 3Y4.98%
EPS Next 5Y5.05%
Revenue 1Y (TTM)-15.29%
Revenue growth 3Y2.26%
Revenue growth 5Y1.42%
Sales Q2Q%17.74%
Revenue Next Year0.53%
Revenue Next 2Y1.81%
Revenue Next 3Y1.98%
Revenue Next 5Y3.59%
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 Fundamental Analysis 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.


What is the profitability of PRU stock?

PRUDENTIAL FINANCIAL INC (PRU) has a profitability rating of 3 / 10.


What is the financial health of PRUDENTIAL FINANCIAL INC (PRU) stock?

The financial health rating of PRUDENTIAL FINANCIAL INC (PRU) is 2 / 10.


Is the dividend of PRUDENTIAL FINANCIAL INC sustainable?

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