PRUDENTIAL FINANCIAL INC - PRU 4 1/8 09/01/60 (PFH) Fundamental Analysis & Valuation

NYSE:PFH • US7443208886

Current stock price

16.68 USD
-0.12 (-0.71%)
Last:

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

3

1. PFH Profitability Analysis

1.1 Basic Checks

  • In the past year PFH was profitable.
  • PFH had a positive operating cash flow in the past year.
  • PFH had positive earnings in 4 of the past 5 years.
  • In the past 5 years PFH always reported a positive cash flow from operatings.
PFH Yearly Net Income VS EBIT VS OCF VS FCFPFH 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

  • PFH has a Return On Assets of 0.46%. This is in the lower half of the industry: PFH underperforms 72.11% of its industry peers.
  • With a Return On Equity value of 10.90%, PFH perfoms like the industry average, outperforming 52.38% of the companies in the same industry.
  • The Return On Invested Capital of PFH (0.39%) is worse than 70.75% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for PFH is significantly below the industry average of 9.36%.
  • The 3 year average ROIC (0.37%) for PFH is below the current ROIC(0.39%), indicating increased profibility in the last year.
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
PFH Yearly ROA, ROE, ROICPFH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10

1.3 Margins

  • PFH has a Profit Margin (6.33%) which is comparable to the rest of the industry.
  • With a Operating Margin value of 6.72%, PFH is not doing good in the industry: 74.15% of the companies in the same industry are doing better.
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
PFH Yearly Profit, Operating, Gross MarginsPFH 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. PFH Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PFH is destroying value.
  • Compared to 1 year ago, PFH has less shares outstanding
  • Compared to 5 years ago, PFH has less shares outstanding
  • Compared to 1 year ago, PFH has a worse debt to assets ratio.
PFH Yearly Shares OutstandingPFH Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M
PFH Yearly Total Debt VS Total AssetsPFH 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 PFH is 3.66, which is a good value as it means it would take PFH, 3.66 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 3.66, PFH is not doing good in the industry: 60.54% of the companies in the same industry are doing better.
  • PFH has a Debt/Equity ratio of 0.66. This is a neutral value indicating PFH is somewhat dependend on debt financing.
  • PFH's Debt to Equity ratio of 0.66 is on the low side compared to the rest of the industry. PFH is outperformed by 80.95% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.66
Debt/FCF 3.66
Altman-Z N/A
ROIC/WACC0.05
WACC8.56%
PFH Yearly LT Debt VS Equity VS FCFPFH 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
PFH Yearly Current Assets VS Current LiabilitesPFH 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. PFH Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 11.43% over the past year.
  • The Earnings Per Share has been growing slightly by 6.96% on average over the past years.
  • Looking at the last year, PFH 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%17.74%

3.2 Future

  • The Earnings Per Share is expected to grow by 5.05% on average over the next years.
  • PFH is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.59% yearly.
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.
PFH Yearly Revenue VS EstimatesPFH 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
PFH Yearly EPS VS EstimatesPFH 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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8

4. PFH Valuation Analysis

4.1 Price/Earnings Ratio

  • PFH is valuated cheaply with a Price/Earnings ratio of 1.16.
  • Compared to the rest of the industry, the Price/Earnings ratio of PFH indicates a rather cheap valuation: PFH is cheaper than 93.88% of the companies listed in the same industry.
  • PFH's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.75.
  • PFH is valuated cheaply with a Price/Forward Earnings ratio of 1.15.
  • Based on the Price/Forward Earnings ratio, PFH is valued cheaper than 93.88% of the companies in the same industry.
  • PFH is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 1.16
Fwd PE 1.15
PFH Price Earnings VS Forward Price EarningsPFH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, PFH is valued cheaply inside the industry as 87.07% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, PFH is valued cheaply inside the industry as 94.56% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 0.93
EV/EBITDA 2.33
PFH Per share dataPFH 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)1.44
PEG (5Y)0.17
EPS Next 2Y4.09%
EPS Next 3Y4.98%

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

6

5. PFH Dividend Analysis

5.1 Amount

  • PFH has a Yearly Dividend Yield of 5.88%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.50, PFH pays a better dividend. On top of this PFH pays more dividend than 90.48% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, PFH pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.88%

5.2 History

  • The dividend of PFH has a limited annual growth rate of 4.31%.
  • PFH has been paying a dividend for over 5 years, so it has already some track record.
  • The dividend of PFH decreased in the last 3 years.
Dividend Growth(5Y)4.31%
Div Incr Years0
Div Non Decr Years2
PFH Yearly Dividends per sharePFH Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • PFH pays out 54.48% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • The dividend of PFH 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%
PFH Yearly Income VS Free CF VS DividendPFH 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
PFH Dividend Payout.PFH Dividend Payout, showing the Payout Ratio.PFH Dividend Payout.PayoutRetained Earnings

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PFH Fundamentals: All Metrics, Ratios and Statistics

PRUDENTIAL FINANCIAL INC - PRU 4 1/8 09/01/60

NYSE:PFH (3/30/2026, 8:24:22 PM)

16.68

-0.12 (-0.71%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-03
Earnings (Next)04-28
Inst Owners62.61%
Inst Owner Change0%
Ins Owners0.14%
Ins Owner ChangeN/A
Market Cap5.80B
Revenue(TTM)55.85B
Net Income(TTM)3.54B
Analysts56.8
Price Target20.13 (20.68%)
Short Float %0.01%
Short Ratio0.84
Dividend
Industry RankSector Rank
Dividend Yield 5.88%
Yearly Dividend5.48
Dividend Growth(5Y)4.31%
DP54.48%
Div Incr Years0
Div Non Decr Years2
Ex-Date02-13
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)0%
PT rev (3m)10.21%
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 1.16
Fwd PE 1.15
P/S 0.1
P/FCF 0.93
P/OCF 0.93
P/B 0.18
P/tB 0.18
EV/EBITDA 2.33
EPS(TTM)14.43
EY86.51%
EPS(NY)14.55
Fwd EY87.21%
FCF(TTM)18.02
FCFY108.03%
OCF(TTM)18.02
OCFY108.03%
SpS160.5
BVpS93.21
TBVpS93.21
PEG (NY)1.44
PEG (5Y)0.17
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
WACC8.56%
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 4 1/8 09/01/60 / PFH Fundamental Analysis FAQ

What is the fundamental rating for PFH stock?

ChartMill assigns a fundamental rating of 4 / 10 to PFH.


Can you provide the valuation status for PRUDENTIAL FINANCIAL INC - PRU 4 1/8 09/01/60?

ChartMill assigns a valuation rating of 8 / 10 to PRUDENTIAL FINANCIAL INC - PRU 4 1/8 09/01/60 (PFH). This can be considered as Undervalued.


How profitable is PRUDENTIAL FINANCIAL INC - PRU 4 1/8 09/01/60 (PFH) stock?

PRUDENTIAL FINANCIAL INC - PRU 4 1/8 09/01/60 (PFH) has a profitability rating of 3 / 10.


What is the financial health of PRUDENTIAL FINANCIAL INC - PRU 4 1/8 09/01/60 (PFH) stock?

The financial health rating of PRUDENTIAL FINANCIAL INC - PRU 4 1/8 09/01/60 (PFH) is 2 / 10.


What is the earnings growth outlook for PRUDENTIAL FINANCIAL INC - PRU 4 1/8 09/01/60?

The Earnings per Share (EPS) of PRUDENTIAL FINANCIAL INC - PRU 4 1/8 09/01/60 (PFH) is expected to grow by 0.8% in the next year.