PRUDENTIAL FINANCIAL INC - PRU 4 1/8 09/01/60 (PFH) Stock Fundamental Analysis
USA - NYSE:PFH - US7443208886
18.12 USD
+0.02 (+0.11%)
Taking everything into account, PFH scores 3 out of 10 in our fundamental rating. PFH was compared to 146 industry peers in the Insurance industry. PFH may be in some trouble as it scores bad on both profitability and health. PFH is valued quite cheap, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year PFH was profitable.
PFH had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: PFH reported negative net income in multiple years.
In the past 5 years PFH always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of 0.33%, PFH is not doing good in the industry: 76.03% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of 8.05%, PFH is doing worse than 60.96% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 0.35%, PFH is doing worse than 69.18% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.33% | ||
| ROE | 8.05% | ||
| ROIC | 0.35% |
ROA(3y)0.15%
ROA(5y)0.27%
ROE(3y)4.35%
ROE(5y)5.32%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
PFH's Profit Margin of 4.83% is on the low side compared to the rest of the industry. PFH is outperformed by 65.75% of its industry peers.
PFH's Profit Margin has declined in the last couple of years.
With a Operating Margin value of 6.15%, PFH is not doing good in the industry: 72.60% of the companies in the same industry are doing better.
PFH's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.15% | ||
| PM (TTM) | 4.83% | ||
| GM | N/A |
OM growth 3Y-33.92%
OM growth 5Y-10.21%
PM growth 3Y-30.9%
PM growth 5Y-8.56%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PFH is destroying value.
The number of shares outstanding for PFH has been reduced compared to 1 year ago.
The number of shares outstanding for PFH has been reduced compared to 5 years ago.
Compared to 1 year ago, PFH has a worse debt to assets ratio.
2.2 Solvency
PFH has a debt to FCF ratio of 4.18. This is a neutral value as PFH would need 4.18 years to pay back of all of its debts.
With a Debt to FCF ratio value of 4.18, PFH perfoms like the industry average, outperforming 42.47% of the companies in the same industry.
A Debt/Equity ratio of 0.67 indicates that PFH is somewhat dependend on debt financing.
The Debt to Equity ratio of PFH (0.67) is worse than 82.88% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.67 | ||
| Debt/FCF | 4.18 | ||
| Altman-Z | N/A |
ROIC/WACC0.04
WACC9.36%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 12.09% over the past year.
PFH shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.07% yearly.
PFH shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -24.65%.
PFH shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.36% yearly.
EPS 1Y (TTM)12.09%
EPS 3Y-4.48%
EPS 5Y2.07%
EPS Q2Q%22.41%
Revenue 1Y (TTM)-24.65%
Revenue growth 3Y-2.22%
Revenue growth 5Y0.36%
Sales Q2Q%-16.64%
3.2 Future
Based on estimates for the next years, PFH will show a small growth in Earnings Per Share. The EPS will grow by 0.81% on average per year.
Based on estimates for the next years, PFH will show a small growth in Revenue. The Revenue will grow by 0.18% on average per year.
EPS Next Y10.85%
EPS Next 2Y7.76%
EPS Next 3Y7.38%
EPS Next 5Y0.81%
Revenue Next Year-18.67%
Revenue Next 2Y-8.1%
Revenue Next 3Y-4.12%
Revenue Next 5Y0.18%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 1.29 indicates a rather cheap valuation of PFH.
Compared to the rest of the industry, the Price/Earnings ratio of PFH indicates a rather cheap valuation: PFH is cheaper than 93.15% 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 26.06.
PFH is valuated cheaply with a Price/Forward Earnings ratio of 1.20.
PFH's Price/Forward Earnings ratio is rather cheap when compared to the industry. PFH is cheaper than 94.52% of the companies in the same industry.
PFH's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 32.73.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.29 | ||
| Fwd PE | 1.2 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of PFH indicates a rather cheap valuation: PFH is cheaper than 91.10% of the companies listed in the same industry.
PFH's Price/Free Cash Flow ratio is rather cheap when compared to the industry. PFH is cheaper than 91.78% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.21 | ||
| EV/EBITDA | 2.86 |
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.
PEG (NY)0.12
PEG (5Y)0.62
EPS Next 2Y7.76%
EPS Next 3Y7.38%
5. Dividend
5.1 Amount
PFH has a Yearly Dividend Yield of 5.13%, which is a nice return.
Compared to an average industry Dividend Yield of 3.38, PFH pays a better dividend. On top of this PFH pays more dividend than 87.67% of the companies listed in the same industry.
PFH's Dividend Yield is rather good when compared to the S&P500 average which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.13% |
5.2 History
The dividend of PFH has a limited annual growth rate of 5.51%.
PFH has been paying a dividend for over 5 years, so it has already some track record.
PFH has decreased its dividend in the last 3 years.
Dividend Growth(5Y)5.51%
Div Incr Years0
Div Non Decr Years2
5.3 Sustainability
PFH pays out 74.23% of its income as dividend. This is not a sustainable payout ratio.
PFH's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP74.23%
EPS Next 2Y7.76%
EPS Next 3Y7.38%
PRUDENTIAL FINANCIAL INC - PRU 4 1/8 09/01/60
NYSE:PFH (11/7/2025, 8:07:50 PM)
18.12
+0.02 (+0.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners60.84%
Inst Owner Change0%
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap6.38B
Revenue(TTM)53.54B
Net Income(TTM)2.58B
Analysts66.67
Price Target21.84 (20.53%)
Short Float %0%
Short Ratio0.1
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.13% |
Yearly Dividend5.3
Dividend Growth(5Y)5.51%
DP74.23%
Div Incr Years0
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.29%
Min EPS beat(2)10.45%
Max EPS beat(2)14.14%
EPS beat(4)3
Avg EPS beat(4)4.31%
Min EPS beat(4)-9.72%
Max EPS beat(4)14.14%
EPS beat(8)3
Avg EPS beat(8)1.28%
EPS beat(12)4
Avg EPS beat(12)0.08%
EPS beat(16)7
Avg EPS beat(16)1.84%
Revenue beat(2)1
Avg Revenue beat(2)6.36%
Min Revenue beat(2)-1.02%
Max Revenue beat(2)13.74%
Revenue beat(4)1
Avg Revenue beat(4)-1.67%
Min Revenue beat(4)-12.43%
Max Revenue beat(4)13.74%
Revenue beat(8)4
Avg Revenue beat(8)8.94%
Revenue beat(12)5
Avg Revenue beat(12)4.48%
Revenue beat(16)7
Avg Revenue beat(16)5.29%
PT rev (1m)6.3%
PT rev (3m)5.4%
EPS NQ rev (1m)0.76%
EPS NQ rev (3m)-0.4%
EPS NY rev (1m)2.97%
EPS NY rev (3m)4.4%
Revenue NQ rev (1m)0.63%
Revenue NQ rev (3m)1.61%
Revenue NY rev (1m)-0.21%
Revenue NY rev (3m)0.43%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.29 | ||
| Fwd PE | 1.2 | ||
| P/S | 0.12 | ||
| P/FCF | 1.21 | ||
| P/OCF | 1.21 | ||
| P/B | 0.2 | ||
| P/tB | 0.2 | ||
| EV/EBITDA | 2.86 |
EPS(TTM)14.09
EY77.76%
EPS(NY)15.04
Fwd EY82.99%
FCF(TTM)14.98
FCFY82.69%
OCF(TTM)14.98
OCFY82.69%
SpS152.1
BVpS91.18
TBVpS91.18
PEG (NY)0.12
PEG (5Y)0.62
Graham Number170.02
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.33% | ||
| ROE | 8.05% | ||
| ROCE | 0.43% | ||
| ROIC | 0.35% | ||
| ROICexc | 0.36% | ||
| ROICexgc | 0.55% | ||
| OM | 6.15% | ||
| PM (TTM) | 4.83% | ||
| GM | N/A | ||
| FCFM | 9.85% |
ROA(3y)0.15%
ROA(5y)0.27%
ROE(3y)4.35%
ROE(5y)5.32%
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
ROICexgc growth 3Y-28.02%
ROICexgc growth 5Y-7.81%
ROICexc growth 3Y-30.1%
ROICexc growth 5Y-6.51%
OM growth 3Y-33.92%
OM growth 5Y-10.21%
PM growth 3Y-30.9%
PM growth 5Y-8.56%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.07
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.67 | ||
| Debt/FCF | 4.18 | ||
| Debt/EBITDA | 6.11 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 149.7% | ||
| Profit Quality | 204.1% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC9.36%
ROIC/WACC0.04
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)12.09%
EPS 3Y-4.48%
EPS 5Y2.07%
EPS Q2Q%22.41%
EPS Next Y10.85%
EPS Next 2Y7.76%
EPS Next 3Y7.38%
EPS Next 5Y0.81%
Revenue 1Y (TTM)-24.65%
Revenue growth 3Y-2.22%
Revenue growth 5Y0.36%
Sales Q2Q%-16.64%
Revenue Next Year-18.67%
Revenue Next 2Y-8.1%
Revenue Next 3Y-4.12%
Revenue Next 5Y0.18%
EBIT growth 1Y-36.64%
EBIT growth 3Y-35.38%
EBIT growth 5Y-9.89%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y94.33%
FCF growth 3Y-4.66%
FCF growth 5Y-15.41%
OCF growth 1Y94.33%
OCF growth 3Y-4.66%
OCF growth 5Y-15.41%
PRUDENTIAL FINANCIAL INC - PRU 4 1/8 09/01/60 / PFH FAQ
What is the fundamental rating for PFH stock?
ChartMill assigns a fundamental rating of 3 / 10 to PFH.
What is the valuation status of PRUDENTIAL FINANCIAL INC - PRU 4 1/8 09/01/60 (PFH) stock?
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 2 / 10.
What is the valuation of PRUDENTIAL FINANCIAL INC - PRU 4 1/8 09/01/60 based on its PE and PB ratios?
The Price/Earnings (PE) ratio for PRUDENTIAL FINANCIAL INC - PRU 4 1/8 09/01/60 (PFH) is 1.29 and the Price/Book (PB) ratio is 0.2.
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.