PRUDENTIAL PLC-ADR (PUK)
US74435K2042 - ADR
Overall PUK gets a fundamental rating of 3 out of 10. We evaluated PUK against 140 industry peers in the Insurance industry. PUK has a bad profitability rating. Also its financial health evaluation is rather negative. PUK does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
In the past year PUK was profitable.
In the past year PUK had a positive cash flow from operations.
In multiple years PUK reported negative net income over the last 5 years.
In multiple years PUK reported negative operating cash flow during the last 5 years.
1.2 Ratios
PUK's Return On Assets of 0.50% is on the low side compared to the rest of the industry. PUK is outperformed by 73.38% of its industry peers.
PUK has a worse Return On Equity (5.42%) than 67.63% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.88%, PUK is in line with its industry, outperforming 40.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.5% | ||
| ROE | 5.42% | ||
| ROIC | 0.88% |
ROA(3y)-0.23%
ROA(5y)-0.02%
ROE(3y)-2.81%
ROE(5y)1.15%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
PUK has a Profit Margin (8.44%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of PUK has grown nicely.
Looking at the Operating Margin, with a value of 17.70%, PUK is in the better half of the industry, outperforming 72.66% of the companies in the same industry.
In the last couple of years the Operating Margin of PUK has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 17.7% | ||
| PM (TTM) | 8.44% | ||
| GM | N/A |
OM growth 3Y43.57%
OM growth 5Y16.17%
PM growth 3Y39.78%
PM growth 5Y7.31%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
PUK 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 PUK remains at a similar level compared to 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.
2.2 Solvency
PUK has a debt to FCF ratio of 2.90. This is a good value and a sign of high solvency as PUK would need 2.90 years to pay back of all of its debts.
PUK's Debt to FCF ratio of 2.90 is in line compared to the rest of the industry. PUK outperforms 44.60% of its industry peers.
A Debt/Equity ratio of 0.30 indicates that PUK is not too dependend on debt financing.
The Debt to Equity ratio of PUK (0.30) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 2.9 | ||
| Altman-Z | N/A |
ROIC/WACC0.11
WACC8.16%
2.3 Liquidity
A Current Ratio of 0.57 indicates that PUK may have some problems paying its short term obligations.
PUK has a better Current ratio (0.57) than 76.26% of its industry peers.
A Quick Ratio of 0.57 indicates that PUK may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.57, PUK is in the better half of the industry, outperforming 76.26% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.57 | ||
| Quick Ratio | 0.57 |
3. Growth
3.1 Past
PUK shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -39.61%.
Measured over the past years, PUK shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -16.87% on average per year.
PUK shows a small growth in Revenue. In the last year, the Revenue has grown by 3.04%.
The Revenue for PUK have been decreasing by -21.54% on average. This is quite bad
EPS 1Y (TTM)-39.61%
EPS 3Y-8.56%
EPS 5Y-16.87%
EPS Q2Q%-87.3%
Revenue 1Y (TTM)3.04%
Revenue growth 3Y-33.5%
Revenue growth 5Y-21.54%
Sales Q2Q%-4.93%
3.2 Future
PUK is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.38% yearly.
Based on estimates for the next years, PUK will show a very negative growth in Revenue. The Revenue will decrease by -11.66% on average per year.
EPS Next Y-11.58%
EPS Next 2Y5.82%
EPS Next 3Y8.95%
EPS Next 5Y11.38%
Revenue Next Year-10.56%
Revenue Next 2Y-0.04%
Revenue Next 3Y-5.19%
Revenue Next 5Y-11.66%
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.
4. Valuation
4.1 Price/Earnings Ratio
PUK is valuated rather expensively with a Price/Earnings ratio of 23.98.
Compared to the rest of the industry, the Price/Earnings ratio of PUK indicates a slightly more expensive valuation: PUK is more expensive than 69.78% of the companies listed in the same industry.
PUK's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.35.
The Price/Forward Earnings ratio is 7.43, which indicates a rather cheap valuation of PUK.
76.98% of the companies in the same industry are more expensive than PUK, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of PUK to the average of the S&P500 Index (23.86), we can say PUK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.98 | ||
| Fwd PE | 7.43 |
4.2 Price Multiples
PUK's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.48 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y5.82%
EPS Next 3Y8.95%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.45%, PUK is a good candidate for dividend investing.
PUK's Dividend Yield is rather good when compared to the industry average which is at 2.96. PUK pays more dividend than 89.21% of the companies in the same industry.
PUK's Dividend Yield is rather good when compared to the S&P500 average which is at 2.30.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.45% |
5.2 History
The dividend of PUK decreases each year by -21.30%.
PUK has paid a dividend for at least 10 years, which is a reliable track record.
PUK has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)-21.3%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
PUK pays out 64.08% of its income as dividend. This is not a sustainable payout ratio.
DP64.08%
EPS Next 2Y5.82%
EPS Next 3Y8.95%
PRUDENTIAL PLC-ADR
NYSE:PUK (12/30/2024, 11:48:01 AM)
15.825
-0.14 (-0.85%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners61.79%
Inst Owner Change-3.44%
Ins Owners0.27%
Ins Owner ChangeN/A
Market Cap21.02B
Analysts82.4
Price Target29.76 (88.06%)
Short Float %0.01%
Short Ratio0.2
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.45% |
Dividend Growth(5Y)-21.3%
DP64.08%
Div Incr Years3
Div Non Decr Years3
Ex-Date
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)-1.07%
PT rev (3m)-6.75%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)1.21%
EPS NY rev (3m)-14.9%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-5.43%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.98 | ||
| Fwd PE | 7.43 | ||
| P/S | 2.02 | ||
| P/FCF | 12.48 | ||
| P/OCF | 12.1 | ||
| P/B | 1.3 | ||
| P/tB | 1.81 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.66
EY4.17%
EPS(NY)2.13
Fwd EY13.46%
FCF(TTM)1.27
FCFY8.02%
OCF(TTM)1.31
OCFY8.27%
SpS7.83
BVpS12.17
TBVpS8.73
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.5% | ||
| ROE | 5.42% | ||
| ROCE | 1.08% | ||
| ROIC | 0.88% | ||
| ROICexc | 0.91% | ||
| ROICexgc | 0.96% | ||
| OM | 17.7% | ||
| PM (TTM) | 8.44% | ||
| GM | N/A | ||
| FCFM | 16.21% |
ROA(3y)-0.23%
ROA(5y)-0.02%
ROE(3y)-2.81%
ROE(5y)1.15%
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 3Y32.52%
ROICexcg growth 5Y19.02%
ROICexc growth 3Y37.32%
ROICexc growth 5Y18.39%
OM growth 3Y43.57%
OM growth 5Y16.17%
PM growth 3Y39.78%
PM growth 5Y7.31%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 2.9 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.51% | ||
| Interest Coverage | 7.7 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 192.13% | ||
| Current Ratio | 0.57 | ||
| Quick Ratio | 0.57 | ||
| Altman-Z | N/A |
F-Score6
WACC8.16%
ROIC/WACC0.11
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.34%
Cap/Sales(5y)0.25%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-39.61%
EPS 3Y-8.56%
EPS 5Y-16.87%
EPS Q2Q%-87.3%
EPS Next Y-11.58%
EPS Next 2Y5.82%
EPS Next 3Y8.95%
EPS Next 5Y11.38%
Revenue 1Y (TTM)3.04%
Revenue growth 3Y-33.5%
Revenue growth 5Y-21.54%
Sales Q2Q%-4.93%
Revenue Next Year-10.56%
Revenue Next 2Y-0.04%
Revenue Next 3Y-5.19%
Revenue Next 5Y-11.66%
EBIT growth 1Y-15.29%
EBIT growth 3Y-4.53%
EBIT growth 5Y-8.85%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y495.54%
FCF growth 3Y-30.79%
FCF growth 5Y-21.31%
OCF growth 1Y540%
OCF growth 3Y-30.08%
OCF growth 5Y-21.24%