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PRUDENTIAL PLC-ADR (PUK) Stock Fundamental Analysis

NYSE:PUK - New York Stock Exchange, Inc. - US74435K2042 - ADR - Currency: USD

20.96  +0.47 (+2.29%)

Fundamental Rating

5

Overall PUK gets a fundamental rating of 5 out of 10. We evaluated PUK against 143 industry peers in the Insurance industry. PUK has an average financial health and profitability rating. PUK has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

In the past year PUK was profitable.
PUK had a positive operating cash flow in the past year.
In multiple years PUK reported negative net income over the last 5 years.
PUK had a positive operating cash flow in 4 of the past 5 years.
PUK Yearly Net Income VS EBIT VS OCF VS FCFPUK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B -4B

1.2 Ratios

With a Return On Assets value of 1.26%, PUK perfoms like the industry average, outperforming 41.26% of the companies in the same industry.
Looking at the Return On Equity, with a value of 13.06%, PUK is in line with its industry, outperforming 56.64% of the companies in the same industry.
With a Return On Invested Capital value of 1.24%, PUK perfoms like the industry average, outperforming 43.36% of the companies in the same industry.
Industry RankSector Rank
ROA 1.26%
ROE 13.06%
ROIC 1.24%
ROA(3y)0.54%
ROA(5y)0.2%
ROE(3y)5.53%
ROE(5y)2.96%
ROIC(3y)N/A
ROIC(5y)N/A
PUK Yearly ROA, ROE, ROICPUK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10

1.3 Margins

Looking at the Profit Margin, with a value of 19.26%, PUK belongs to the top of the industry, outperforming 86.71% of the companies in the same industry.
PUK's Profit Margin has improved in the last couple of years.
PUK has a Operating Margin of 22.91%. This is amongst the best in the industry. PUK outperforms 82.52% of its industry peers.
PUK's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 22.91%
PM (TTM) 19.26%
GM N/A
OM growth 3Y31.22%
OM growth 5Y57.97%
PM growth 3YN/A
PM growth 5Y87.31%
GM growth 3YN/A
GM growth 5YN/A
PUK Yearly Profit, Operating, Gross MarginsPUK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20

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4

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PUK is destroying value.
PUK has less shares outstanding than it did 1 year ago.
The number of shares outstanding for PUK has been increased compared to 5 years ago.
Compared to 1 year ago, PUK has an improved debt to assets ratio.
PUK Yearly Shares OutstandingPUK Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
PUK Yearly Total Debt VS Total AssetsPUK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B

2.2 Solvency

The Debt to FCF ratio of PUK is 1.35, which is an excellent value as it means it would take PUK, only 1.35 years of fcf income to pay off all of its debts.
PUK has a Debt to FCF ratio (1.35) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.27 indicates that PUK is not too dependend on debt financing.
PUK has a better Debt to Equity ratio (0.27) than 64.34% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 1.35
Altman-Z N/A
ROIC/WACC0.15
WACC8.49%
PUK Yearly LT Debt VS Equity VS FCFPUK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B -5B 10B 15B 20B

2.3 Liquidity

A Current Ratio of 0.42 indicates that PUK may have some problems paying its short term obligations.
PUK's Current ratio of 0.42 is fine compared to the rest of the industry. PUK outperforms 72.73% of its industry peers.
PUK has a Quick Ratio of 0.42. This is a bad value and indicates that PUK is not financially healthy enough and could expect problems in meeting its short term obligations.
The Quick ratio of PUK (0.42) is better than 72.73% of its industry peers.
Industry RankSector Rank
Current Ratio 0.42
Quick Ratio 0.42
PUK Yearly Current Assets VS Current LiabilitesPUK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

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5

3. Growth

3.1 Past

PUK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 36.66%, which is quite impressive.
PUK shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -12.53% yearly.
Looking at the last year, PUK shows a quite strong growth in Revenue. The Revenue has grown by 11.05% in the last year.
PUK shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -33.86% yearly.
EPS 1Y (TTM)36.66%
EPS 3YN/A
EPS 5Y-12.53%
EPS Q2Q%192%
Revenue 1Y (TTM)11.05%
Revenue growth 3Y-23.5%
Revenue growth 5Y-33.86%
Sales Q2Q%26.54%

3.2 Future

Based on estimates for the next years, PUK will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.67% on average per year.
Based on estimates for the next years, PUK will show a quite strong growth in Revenue. The Revenue will grow by 14.92% on average per year.
EPS Next Y16.31%
EPS Next 2Y16.27%
EPS Next 3Y16.34%
EPS Next 5Y14.67%
Revenue Next Year11.05%
Revenue Next 2Y-3.25%
Revenue Next 3Y-18.31%
Revenue Next 5Y14.92%

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
PUK Yearly Revenue VS EstimatesPUK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 20B 40B 60B 80B 100B
PUK Yearly EPS VS EstimatesPUK Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 1 2 3 4

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6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 11.27, which indicates a very decent valuation of PUK.
Based on the Price/Earnings ratio, PUK is valued a bit cheaper than the industry average as 60.14% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of PUK to the average of the S&P500 Index (27.63), we can say PUK is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.67, the valuation of PUK can be described as reasonable.
62.24% of the companies in the same industry are more expensive than PUK, based on the Price/Forward Earnings ratio.
PUK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.85.
Industry RankSector Rank
PE 11.27
Fwd PE 9.67
PUK Price Earnings VS Forward Price EarningsPUK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

PUK's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 7.75
EV/EBITDA N/A
PUK Per share dataPUK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PUK's earnings are expected to grow with 16.34% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.69
PEG (5Y)N/A
EPS Next 2Y16.27%
EPS Next 3Y16.34%

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4

5. Dividend

5.1 Amount

PUK has a Yearly Dividend Yield of 2.22%.
Compared to an average industry Dividend Yield of 3.28, PUK has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.51, PUK has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.22%

5.2 History

The dividend of PUK decreases each year by -20.17%.
PUK has been paying a dividend for at least 10 years, so it has a reliable track record.
PUK has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)-20.17%
Div Incr Years3
Div Non Decr Years3
PUK Yearly Dividends per sharePUK Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6

5.3 Sustainability

PUK pays out 24.16% of its income as dividend. This is a sustainable payout ratio.
DP24.16%
EPS Next 2Y16.27%
EPS Next 3Y16.34%
PUK Yearly Income VS Free CF VS DividendPUK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B -4B
PUK Dividend Payout.PUK Dividend Payout, showing the Payout Ratio.PUK Dividend Payout.PayoutRetained Earnings

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PRUDENTIAL PLC-ADR

NYSE:PUK (4/22/2025, 2:27:21 PM)

20.96

+0.47 (+2.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-19 2025-03-19/amc
Earnings (Next)08-26 2025-08-26
Inst Owners61.74%
Inst Owner Change0.8%
Ins Owners0.23%
Ins Owner ChangeN/A
Market Cap27.19B
Analysts81.67
Price Target30.49 (45.47%)
Short Float %0.12%
Short Ratio1.49
Dividend
Industry RankSector Rank
Dividend Yield 2.22%
Yearly Dividend0.2
Dividend Growth(5Y)-20.17%
DP24.16%
Div Incr Years3
Div Non Decr Years3
Ex-Date03-28 2025-03-28 (0.3258)
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0.12%
PT rev (3m)2.44%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.06%
EPS NY rev (3m)1.32%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.23%
Valuation
Industry RankSector Rank
PE 11.27
Fwd PE 9.67
P/S 2.29
P/FCF 7.75
P/OCF 7.53
P/B 1.55
P/tB 2.12
EV/EBITDA N/A
EPS(TTM)1.86
EY8.87%
EPS(NY)2.17
Fwd EY10.34%
FCF(TTM)2.7
FCFY12.9%
OCF(TTM)2.78
OCFY13.27%
SpS9.15
BVpS13.48
TBVpS9.88
PEG (NY)0.69
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.26%
ROE 13.06%
ROCE 1.52%
ROIC 1.24%
ROICexc 1.28%
ROICexgc 1.36%
OM 22.91%
PM (TTM) 19.26%
GM N/A
FCFM 29.57%
ROA(3y)0.54%
ROA(5y)0.2%
ROE(3y)5.53%
ROE(5y)2.96%
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
ROICexcg growth 3Y-3.2%
ROICexcg growth 5Y24.26%
ROICexc growth 3Y2.96%
ROICexc growth 5Y25.51%
OM growth 3Y31.22%
OM growth 5Y57.97%
PM growth 3YN/A
PM growth 5Y87.31%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 1.35
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.85%
Interest Coverage 11.37
Cash Conversion N/A
Profit Quality 153.52%
Current Ratio 0.42
Quick Ratio 0.42
Altman-Z N/A
F-Score8
WACC8.49%
ROIC/WACC0.15
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.58%
Cap/Sales(5y)0.41%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)36.66%
EPS 3YN/A
EPS 5Y-12.53%
EPS Q2Q%192%
EPS Next Y16.31%
EPS Next 2Y16.27%
EPS Next 3Y16.34%
EPS Next 5Y14.67%
Revenue 1Y (TTM)11.05%
Revenue growth 3Y-23.5%
Revenue growth 5Y-33.86%
Sales Q2Q%26.54%
Revenue Next Year11.05%
Revenue Next 2Y-3.25%
Revenue Next 3Y-18.31%
Revenue Next 5Y14.92%
EBIT growth 1Y14.11%
EBIT growth 3Y0.38%
EBIT growth 5Y4.48%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y345.18%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y333.77%
OCF growth 3YN/A
OCF growth 5YN/A