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

NYSE:PFH • US7443208886

Current stock price

17.01 USD
+0.05 (+0.29%)
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

  • PFH had positive earnings in the past year.
  • 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

  • Looking at the Return On Assets, with a value of 0.46%, PFH is doing worse than 72.97% of the companies in the same industry.
  • PFH has a Return On Equity (10.90%) which is comparable to the rest of the industry.
  • PFH's Return On Invested Capital of 0.39% is on the low side compared to the rest of the industry. PFH is outperformed by 68.92% of its industry peers.
  • PFH had an Average Return On Invested Capital over the past 3 years of 0.37%. This is significantly below the industry average of 9.50%.
  • The last Return On Invested Capital (0.39%) for PFH 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
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

  • With a Profit Margin value of 6.33%, PFH perfoms like the industry average, outperforming 43.92% of the companies in the same industry.
  • PFH has a worse Operating Margin (6.72%) than 72.97% 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
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

  • PFH has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • PFH has less shares outstanding than it did 1 year ago.
  • PFH has less shares outstanding than it did 5 years ago.
  • PFH has a worse debt/assets ratio than last year.
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.
  • PFH has a Debt to FCF ratio (3.66) which is comparable to the rest of the industry.
  • 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 79.73% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.66
Debt/FCF 3.66
Altman-Z N/A
ROIC/WACC0.05
WACC8.48%
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

  • PFH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.43%, which is quite good.
  • PFH shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.96% yearly.
  • PFH shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -15.29%.
  • PFH shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.42% yearly.
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

  • PFH is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.05% yearly.
  • Based on estimates for the next years, PFH 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 Year1.13%
Revenue Next 2Y2.11%
Revenue Next 3Y1.91%
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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7

4. PFH Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 1.18, which indicates a rather cheap valuation of PFH.
  • Based on the Price/Earnings ratio, PFH is valued cheaper than 92.57% of the companies in the same industry.
  • PFH's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.53.
  • Based on the Price/Forward Earnings ratio of 1.19, the valuation of PFH can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, PFH is valued cheaply inside the industry as 94.59% of the companies are valued more expensively.
  • PFH's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 37.95.
Industry RankSector Rank
PE 1.18
Fwd PE 1.19
PFH Price Earnings VS Forward Price EarningsPFH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 89.19% of the companies in the same industry are more expensive than PFH, based on the Enterprise Value to EBITDA ratio.
  • 94.59% of the companies in the same industry are more expensive than PFH, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 0.94
EV/EBITDA 2.36
PFH Per share dataPFH 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)0.17
EPS Next 2Y3.6%
EPS Next 3Y4.63%

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

7

5. PFH Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 5.77%, PFH is a good candidate for dividend investing.
  • PFH's Dividend Yield is rather good when compared to the industry average which is at 2.44. PFH pays more dividend than 89.86% of the companies in the same industry.
  • PFH's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 5.77%

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.
  • PFH has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)4.31%
Div Incr Years0
Div Non Decr Years3
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

  • 54.48% of the earnings are spent on dividend by PFH. 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 2Y3.6%
EPS Next 3Y4.63%
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 (4/17/2026, 2:49:00 PM)

17.01

+0.05 (+0.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-03
Earnings (Next)05-05
Inst Owners62.81%
Inst Owner Change0%
Ins Owners0.08%
Ins Owner ChangeN/A
Market Cap5.92B
Revenue(TTM)55.85B
Net Income(TTM)3.54B
Analysts56.92
Price Target19.56 (14.99%)
Short Float %0.01%
Short Ratio0.96
Dividend
Industry RankSector Rank
Dividend Yield 5.77%
Yearly Dividend5.48
Dividend Growth(5Y)4.31%
DP54.48%
Div Incr Years0
Div Non Decr Years3
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)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)-2.85%
PT rev (3m)7.07%
EPS NQ rev (1m)-1.28%
EPS NQ rev (3m)-7.25%
EPS NY rev (1m)-1.46%
EPS NY rev (3m)-5%
Revenue NQ rev (1m)0.36%
Revenue NQ rev (3m)0.41%
Revenue NY rev (1m)0.31%
Revenue NY rev (3m)-1.26%
Valuation
Industry RankSector Rank
PE 1.18
Fwd PE 1.19
P/S 0.11
P/FCF 0.94
P/OCF 0.94
P/B 0.18
P/tB 0.18
EV/EBITDA 2.36
EPS(TTM)14.43
EY84.83%
EPS(NY)14.33
Fwd EY84.27%
FCF(TTM)18.03
FCFY105.99%
OCF(TTM)18.03
OCFY105.99%
SpS160.58
BVpS93.26
TBVpS93.26
PEG (NY)N/A
PEG (5Y)0.17
Graham Number174.01 (922.99%)
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
WACC8.48%
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 Year1.13%
Revenue Next 2Y2.11%
Revenue Next 3Y1.91%
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 7 / 10 to PRUDENTIAL FINANCIAL INC - PRU 4 1/8 09/01/60 (PFH). This can be considered as Undervalued.


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

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


Can you provide the PE and PB ratios for PFH stock?

The Price/Earnings (PE) ratio for PRUDENTIAL FINANCIAL INC - PRU 4 1/8 09/01/60 (PFH) is 1.18 and the Price/Book (PB) ratio is 0.18.


Can you provide the expected EPS growth for PFH stock?

The Earnings per Share (EPS) of PRUDENTIAL FINANCIAL INC - PRU 4 1/8 09/01/60 (PFH) is expected to decline by -0.67% in the next year.