PRUDENTIAL FINANCIAL INC (PRU) Fundamental Analysis & Valuation

NYSE:PRU • US7443201022

Current stock price

94.21 USD
-0.14 (-0.15%)
At close:
94.21 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.
  • Of the past 5 years PRU 4 years were profitable.
  • In the past 5 years PRU always reported a positive cash flow from operatings.
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's Return On Assets of 0.46% is on the low side compared to the rest of the industry. PRU is outperformed by 75.51% of its industry peers.
  • The Return On Equity of PRU (10.90%) is comparable to the rest of the industry.
  • The Return On Invested Capital of PRU (0.39%) is worse than 71.43% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for PRU is significantly below the industry average of 9.51%.
  • 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

  • PRU has a Profit Margin (6.33%) which is comparable to the rest of the industry.
  • PRU's Operating Margin of 6.72% is on the low side compared to the rest of the industry. PRU is outperformed by 75.51% 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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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. PRU Health Analysis

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.
  • 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.
  • The Debt to FCF ratio of PRU (3.66) is worse than 61.90% of its industry peers.
  • PRU has a Debt/Equity ratio of 0.66. This is a neutral value indicating PRU is somewhat dependend on debt financing.
  • PRU has a Debt to Equity ratio of 0.66. This is amonst the worse of the industry: PRU underperforms 82.31% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.66
Debt/FCF 3.66
Altman-Z N/A
ROIC/WACC0.05
WACC8.15%
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. 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.
  • PRU shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.96% yearly.
  • Looking at the last year, PRU shows a very negative growth in Revenue. The Revenue has decreased by -15.29% in the last year.
  • 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%11.62%

3.2 Future

  • Based on estimates for the next years, PRU will show a small growth in Earnings Per Share. The EPS will grow by 5.05% on average per year.
  • Based on estimates for the next years, PRU will show a small growth in Revenue. The Revenue will grow by 3.59% on average per year.
EPS Next Y-0.67%
EPS Next 2Y3.6%
EPS Next 3Y4.63%
EPS Next 5Y5.05%
Revenue Next Year0.98%
Revenue Next 2Y2.02%
Revenue Next 3Y1.8%
Revenue Next 5Y3.59%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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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6

4. PRU Valuation Analysis

4.1 Price/Earnings Ratio

  • PRU is valuated cheaply with a Price/Earnings ratio of 6.53.
  • 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 (27.42), we can say PRU is valued rather cheaply.
  • The Price/Forward Earnings ratio is 6.57, which indicates a rather cheap valuation of PRU.
  • 76.19% 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 22.24, PRU is valued rather cheaply.
Industry RankSector Rank
PE 6.53
Fwd PE 6.57
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.
  • PRU's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. PRU is cheaper than 66.67% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.23
EV/EBITDA 9.29
PRU Per share dataPRU EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.94
EPS Next 2Y3.6%
EPS Next 3Y4.63%

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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 5.61%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.37, PRU pays a better dividend. On top of this PRU pays more dividend than 87.76% 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 1.81.
Industry RankSector Rank
Dividend Yield 5.61%

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 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 Years17
Div Non Decr Years17
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

  • 54.48% of the earnings are spent on dividend by PRU. This is a bit on the high side, but may be sustainable.
  • PRU's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP54.48%
EPS Next 2Y3.6%
EPS Next 3Y4.63%
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 (4/24/2026, 8:04:00 PM)

After market: 94.21 0 (0%)

94.21

-0.14 (-0.15%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-03
Earnings (Next)05-05
Inst Owners62.81%
Inst Owner Change0.06%
Ins Owners0.08%
Ins Owner Change6.18%
Market Cap32.77B
Revenue(TTM)55.85B
Net Income(TTM)3.54B
Analysts56.92
Price Target110.89 (17.71%)
Short Float %3.18%
Short Ratio4.39
Dividend
Industry RankSector Rank
Dividend Yield 5.61%
Yearly Dividend5.48
Dividend Growth(5Y)4.31%
DP54.48%
Div Incr Years17
Div Non Decr Years17
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)1
Avg Revenue beat(2)5.51%
Min Revenue beat(2)-2.71%
Max Revenue beat(2)13.74%
Revenue beat(4)1
Avg Revenue beat(4)0.76%
Min Revenue beat(4)-6.96%
Max Revenue beat(4)13.74%
Revenue beat(8)4
Avg Revenue beat(8)8.7%
Revenue beat(12)5
Avg Revenue beat(12)5.04%
Revenue beat(16)6
Avg Revenue beat(16)2.57%
PT rev (1m)-5.15%
PT rev (3m)-9.64%
EPS NQ rev (1m)-1.98%
EPS NQ rev (3m)-7.97%
EPS NY rev (1m)-1.46%
EPS NY rev (3m)-5%
Revenue NQ rev (1m)0.16%
Revenue NQ rev (3m)0.02%
Revenue NY rev (1m)0.45%
Revenue NY rev (3m)-0.14%
Valuation
Industry RankSector Rank
PE 6.53
Fwd PE 6.57
P/S 0.59
P/FCF 5.23
P/OCF 5.23
P/B 1.01
P/tB 1.01
EV/EBITDA 9.29
EPS(TTM)14.43
EY15.32%
EPS(NY)14.33
Fwd EY15.21%
FCF(TTM)18.03
FCFY19.14%
OCF(TTM)18.03
OCFY19.14%
SpS160.58
BVpS93.26
TBVpS93.26
PEG (NY)N/A
PEG (5Y)0.94
Graham Number174.01 (84.7%)
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
WACC8.15%
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 Y-0.67%
EPS Next 2Y3.6%
EPS Next 3Y4.63%
EPS Next 5Y5.05%
Revenue 1Y (TTM)-15.29%
Revenue growth 3Y2.26%
Revenue growth 5Y1.42%
Sales Q2Q%11.62%
Revenue Next Year0.98%
Revenue Next 2Y2.02%
Revenue Next 3Y1.8%
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%.