PRUDENTIAL FINANCIAL INC - PRU 4 1/8 09/01/60 (PFH) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:PFH - US7443208886
17.49 USD
+0.24 (+1.39%)
Overall PFH gets a fundamental rating of 3 out of 10. We evaluated PFH against 148 industry peers in the Insurance industry. Both the profitability and financial health of PFH have multiple concerns. PFH is cheap, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year PFH was profitable.
In the past year PFH had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: PFH reported negative net income in multiple years.
Each year in the past 5 years PFH had a positive operating cash flow.
1.2 Ratios
PFH has a worse Return On Assets (0.33%) than 79.73% of its industry peers.
PFH has a worse Return On Equity (8.05%) than 62.16% of its industry peers.
The Return On Invested Capital of PFH (0.28%) is worse than 69.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.33% | ||
| ROE | 8.05% | ||
| ROIC | 0.28% |
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 65.54% of its industry peers.
PFH's Profit Margin has declined in the last couple of years.
PFH has a worse Operating Margin (4.87%) than 77.03% of its industry peers.
In the last couple of years the Operating Margin of PFH has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 4.87% | ||
| PM (TTM) | 4.83% | ||
| GM | N/A |
OM growth 3Y-39.41%
OM growth 5Y-14.76%
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.
Compared to 1 year ago, PFH has less shares outstanding
PFH has less shares outstanding than it did 5 years ago.
PFH has a worse debt/assets ratio than last year.
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.
PFH has a Debt to FCF ratio (4.18) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.67 indicates that PFH is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.67, PFH is doing worse than 81.08% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.67 | ||
| Debt/FCF | 4.18 | ||
| Altman-Z | N/A |
ROIC/WACC0.03
WACC9.32%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
PFH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.09%, which is quite good.
Measured over the past 5 years, PFH shows a small growth in Earnings Per Share. The EPS has been growing by 2.07% on average per year.
The Revenue for PFH has decreased by -24.65% in the past year. This is quite bad
Measured over the past years, PFH shows a small growth in Revenue. The Revenue has been growing by 0.36% on average per year.
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 Y13.41%
EPS Next 2Y7.94%
EPS Next 3Y7.46%
EPS Next 5Y0.81%
Revenue Next Year-17.44%
Revenue Next 2Y-7.87%
Revenue Next 3Y-3.83%
Revenue Next 5Y0.18%
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 decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 1.24, the valuation of PFH can be described as very cheap.
94.59% of the companies in the same industry are more expensive than PFH, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of PFH to the average of the S&P500 Index (26.60), we can say PFH is valued rather cheaply.
PFH is valuated cheaply with a Price/Forward Earnings ratio of 1.16.
94.59% of the companies in the same industry are more expensive than PFH, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of PFH to the average of the S&P500 Index (23.23), we can say PFH is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.24 | ||
| Fwd PE | 1.16 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PFH is valued cheaper than 85.81% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, PFH is valued cheaply inside the industry as 93.24% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.16 | ||
| EV/EBITDA | 3.44 |
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)0.09
PEG (5Y)0.6
EPS Next 2Y7.94%
EPS Next 3Y7.46%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.71%, PFH is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 2.42, PFH pays a better dividend. On top of this PFH pays more dividend than 85.14% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.00, PFH pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.71% |
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 2Y7.94%
EPS Next 3Y7.46%
PRUDENTIAL FINANCIAL INC - PRU 4 1/8 09/01/60
NYSE:PFH (1/2/2026, 8:04:00 PM)
17.49
+0.24 (+1.39%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners61.87%
Inst Owner Change0%
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap6.12B
Revenue(TTM)53.54B
Net Income(TTM)2.58B
Analysts66.67
Price Target18.27 (4.46%)
Short Float %0%
Short Ratio0.14
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.71% |
Yearly Dividend5.3
Dividend Growth(5Y)5.51%
DP74.23%
Div Incr Years0
Div Non Decr Years2
Ex-DateN/A
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)-6.46%
PT rev (3m)-9.7%
EPS NQ rev (1m)-0.67%
EPS NQ rev (3m)0.23%
EPS NY rev (1m)2.31%
EPS NY rev (3m)5.35%
Revenue NQ rev (1m)1.45%
Revenue NQ rev (3m)1.35%
Revenue NY rev (1m)1.52%
Revenue NY rev (3m)2.19%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.24 | ||
| Fwd PE | 1.16 | ||
| P/S | 0.11 | ||
| P/FCF | 1.16 | ||
| P/OCF | 1.16 | ||
| P/B | 0.19 | ||
| P/tB | 0.19 | ||
| EV/EBITDA | 3.44 |
EPS(TTM)14.09
EY80.56%
EPS(NY)15.09
Fwd EY86.27%
FCF(TTM)15.07
FCFY86.16%
OCF(TTM)15.07
OCFY86.16%
SpS152.97
BVpS91.7
TBVpS91.7
PEG (NY)0.09
PEG (5Y)0.6
Graham Number170.5
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.33% | ||
| ROE | 8.05% | ||
| ROCE | 0.34% | ||
| ROIC | 0.28% | ||
| ROICexc | 0.28% | ||
| ROICexgc | 0.43% | ||
| OM | 4.87% | ||
| 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-34%
ROICexgc growth 5Y-12.49%
ROICexc growth 3Y-35.91%
ROICexc growth 5Y-11.25%
OM growth 3Y-39.41%
OM growth 5Y-14.76%
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 | 7.6 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 186.03% | ||
| Profit Quality | 204.1% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC9.32%
ROIC/WACC0.03
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 Y13.41%
EPS Next 2Y7.94%
EPS Next 3Y7.46%
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-17.44%
Revenue Next 2Y-7.87%
Revenue Next 3Y-3.83%
Revenue Next 5Y0.18%
EBIT growth 1Y-49.87%
EBIT growth 3Y-40.75%
EBIT growth 5Y-14.45%
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.
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 2 / 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 13.41% in the next year.