PRUDENTIAL FINANCIAL INC - PRU 4 1/8 09/01/60 (PFH) Stock Fundamental Analysis
USA - NYSE:PFH - US7443208886
18.59 USD
+0.01 (+0.05%)
PFH gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 146 industry peers in the Insurance industry. PFH has a bad profitability rating. Also its financial health evaluation is rather negative. PFH has a bad growth rate and is valued cheaply.
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.
In multiple years PFH reported negative net income over the last 5 years.
PFH had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
PFH's Return On Assets of 0.21% is on the low side compared to the rest of the industry. PFH is outperformed by 79.45% of its industry peers.
With a Return On Equity value of 5.27%, PFH is not doing good in the industry: 70.55% of the companies in the same industry are doing better.
PFH has a worse Return On Invested Capital (0.22%) than 66.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.21% | ||
| ROE | 5.27% | ||
| ROIC | 0.22% |
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
Looking at the Profit Margin, with a value of 2.92%, PFH is doing worse than 71.23% of the companies in the same industry.
In the last couple of years the Profit Margin of PFH has declined.
The Operating Margin of PFH (3.74%) is worse than 78.08% of its industry peers.
In the last couple of years the Operating Margin of PFH has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 3.74% | ||
| PM (TTM) | 2.92% | ||
| 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PFH is destroying value.
Compared to 1 year ago, PFH has less shares outstanding
Compared to 5 years ago, PFH has less shares outstanding
The debt/assets ratio for PFH is higher compared to a year ago.
2.2 Solvency
PFH has a debt to FCF ratio of 10.46. This is a negative value and a sign of low solvency as PFH would need 10.46 years to pay back of all of its debts.
With a Debt to FCF ratio value of 10.46, PFH is not doing good in the industry: 67.12% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.68 indicates that PFH is somewhat dependend on debt financing.
PFH has a worse Debt to Equity ratio (0.68) than 83.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.68 | ||
| Debt/FCF | 10.46 | ||
| Altman-Z | N/A |
ROIC/WACC0.02
WACC9.55%
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 been growing slightly by 6.23% 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.
The Revenue has decreased by -9.43% in the past year.
PFH shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.36% yearly.
EPS 1Y (TTM)6.23%
EPS 3Y-4.48%
EPS 5Y2.07%
EPS Q2Q%5.6%
Revenue 1Y (TTM)-9.43%
Revenue growth 3Y-2.22%
Revenue growth 5Y0.36%
Sales Q2Q%-2.42%
3.2 Future
PFH is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.81% yearly.
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 Y7.75%
EPS Next 2Y7.43%
EPS Next 3Y7.49%
EPS Next 5Y0.81%
Revenue Next Year-19.2%
Revenue Next 2Y-7.81%
Revenue Next 3Y-3.79%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
PFH is valuated cheaply with a Price/Earnings ratio of 1.40.
Based on the Price/Earnings ratio, PFH is valued cheaper than 93.84% of the companies in the same industry.
When comparing the Price/Earnings ratio of PFH to the average of the S&P500 Index (27.30), we can say PFH is valued rather cheaply.
A Price/Forward Earnings ratio of 1.24 indicates a rather cheap valuation of PFH.
Based on the Price/Forward Earnings ratio, PFH is valued cheaper than 94.52% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of PFH to the average of the S&P500 Index (22.73), we can say PFH is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.4 | ||
| Fwd PE | 1.24 |
4.2 Price Multiples
PFH's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. PFH is cheaper than 82.19% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, PFH is valued cheaply inside the industry as 82.19% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.14 | ||
| EV/EBITDA | 4.66 |
4.3 Compensation for Growth
PFH's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.18
PEG (5Y)0.68
EPS Next 2Y7.43%
EPS Next 3Y7.49%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.05%, PFH is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.43, PFH pays a better dividend. On top of this PFH pays more dividend than 84.93% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, PFH pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.05% |
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 118.44% 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.
DP118.44%
EPS Next 2Y7.43%
EPS Next 3Y7.49%
PRUDENTIAL FINANCIAL INC - PRU 4 1/8 09/01/60
NYSE:PFH (9/15/2025, 4:04:03 PM)
18.59
+0.01 (+0.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners61.29%
Inst Owner Change0%
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap6.54B
Analysts66.67
Price Target20.23 (8.82%)
Short Float %0%
Short Ratio0.28
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.05% |
Yearly Dividend5.3
Dividend Growth(5Y)5.51%
DP118.44%
Div Incr Years0
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.42%
Min EPS beat(2)2.38%
Max EPS beat(2)10.45%
EPS beat(4)2
Avg EPS beat(4)0.53%
Min EPS beat(4)-9.72%
Max EPS beat(4)10.45%
EPS beat(8)3
Avg EPS beat(8)0.61%
EPS beat(12)4
Avg EPS beat(12)-0.71%
EPS beat(16)7
Avg EPS beat(16)3.25%
Revenue beat(2)0
Avg Revenue beat(2)-3.99%
Min Revenue beat(2)-6.96%
Max Revenue beat(2)-1.02%
Revenue beat(4)1
Avg Revenue beat(4)2.27%
Min Revenue beat(4)-12.43%
Max Revenue beat(4)29.51%
Revenue beat(8)3
Avg Revenue beat(8)4.39%
Revenue beat(12)5
Avg Revenue beat(12)6.37%
Revenue beat(16)7
Avg Revenue beat(16)8.23%
PT rev (1m)-2.37%
PT rev (3m)8.09%
EPS NQ rev (1m)-0.24%
EPS NQ rev (3m)-0.4%
EPS NY rev (1m)1.48%
EPS NY rev (3m)1.18%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.26%
Revenue NY rev (1m)-0.22%
Revenue NY rev (3m)-0.67%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.4 | ||
| Fwd PE | 1.24 | ||
| P/S | 0.12 | ||
| P/FCF | 3.14 | ||
| P/OCF | 3.14 | ||
| P/B | 0.21 | ||
| P/tB | 0.21 | ||
| EV/EBITDA | 4.66 |
EPS(TTM)13.31
EY71.6%
EPS(NY)14.95
Fwd EY80.4%
FCF(TTM)5.92
FCFY31.83%
OCF(TTM)5.92
OCFY31.83%
SpS156.68
BVpS86.88
TBVpS86.88
PEG (NY)0.18
PEG (5Y)0.68
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.21% | ||
| ROE | 5.27% | ||
| ROCE | 0.27% | ||
| ROIC | 0.22% | ||
| ROICexc | 0.23% | ||
| ROICexgc | 0.35% | ||
| OM | 3.74% | ||
| PM (TTM) | 2.92% | ||
| GM | N/A | ||
| FCFM | 3.78% |
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
ROICexcg growth 3Y-28.02%
ROICexcg 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 | 0.68 | ||
| Debt/FCF | 10.46 | ||
| Debt/EBITDA | 8.73 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 86.9% | ||
| Profit Quality | 129.3% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC9.55%
ROIC/WACC0.02
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)6.23%
EPS 3Y-4.48%
EPS 5Y2.07%
EPS Q2Q%5.6%
EPS Next Y7.75%
EPS Next 2Y7.43%
EPS Next 3Y7.49%
EPS Next 5Y0.81%
Revenue 1Y (TTM)-9.43%
Revenue growth 3Y-2.22%
Revenue growth 5Y0.36%
Sales Q2Q%-2.42%
Revenue Next Year-19.2%
Revenue Next 2Y-7.81%
Revenue Next 3Y-3.79%
Revenue Next 5Y0.18%
EBIT growth 1Y-42.44%
EBIT growth 3Y-35.38%
EBIT growth 5Y-9.89%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-49.83%
FCF growth 3Y-4.66%
FCF growth 5Y-15.41%
OCF growth 1Y-49.83%
OCF growth 3Y-4.66%
OCF growth 5Y-15.41%