PRUDENTIAL FINANCIAL INC - PRU 4 1/8 09/01/60 (PFH) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:PFH - US7443208886
17.25 USD
+0.07 (+0.41%)
We assign a fundamental rating of 3 out of 10 to PFH. PFH was compared to 147 industry peers in the Insurance industry. PFH has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
PFH had a positive operating cash flow in the past year.
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 0.33% is on the low side compared to the rest of the industry. PFH is outperformed by 76.87% of its industry peers.
PFH has a Return On Equity of 8.05%. This is in the lower half of the industry: PFH underperforms 64.63% of its industry peers.
With a Return On Invested Capital value of 0.35%, PFH is not doing good in the industry: 69.39% of the companies in the same industry are doing better.
| 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 has a Profit Margin of 4.83%. This is in the lower half of the industry: PFH underperforms 66.67% of its industry peers.
PFH's Profit Margin has declined in the last couple of years.
PFH's Operating Margin of 6.15% is on the low side compared to the rest of the industry. PFH is outperformed by 71.43% of its industry peers.
In the last couple of years the Operating Margin of PFH has declined.
| 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PFH is destroying value.
PFH has less shares outstanding than it did 1 year ago.
The number of shares outstanding for PFH has been reduced compared to 5 years ago.
The debt/assets ratio for PFH is higher compared to a year ago.
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 42.18% of the companies in the same industry.
PFH has a Debt/Equity ratio of 0.67. This is a neutral value indicating PFH is somewhat dependend on debt financing.
PFH has a worse Debt to Equity ratio (0.67) than 83.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.67 | ||
| Debt/FCF | 4.18 | ||
| Altman-Z | N/A |
ROIC/WACC0.04
WACC8.96%
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.
The Earnings Per Share has been growing slightly by 2.07% on average over the past years.
Looking at the last year, PFH shows a very negative growth in Revenue. The Revenue has decreased by -24.65% in the last 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)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
PFH is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.81% yearly.
PFH is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.18% yearly.
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
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.
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 1.22.
Based on the Price/Earnings ratio, PFH is valued cheaper than 92.52% of the companies in the same industry.
When comparing the Price/Earnings ratio of PFH to the average of the S&P500 Index (25.45), we can say PFH is valued rather cheaply.
PFH is valuated cheaply with a Price/Forward Earnings ratio of 1.15.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PFH indicates a rather cheap valuation: PFH is cheaper than 94.56% of the companies listed in the same industry.
PFH is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.46, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.22 | ||
| Fwd PE | 1.15 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PFH is valued cheaper than 90.48% of the companies in the same industry.
PFH's Price/Free Cash Flow ratio is rather cheap when compared to the industry. PFH is cheaper than 93.20% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.15 | ||
| EV/EBITDA | 2.77 |
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)0.11
PEG (5Y)0.59
EPS Next 2Y7.76%
EPS Next 3Y7.38%
5. Dividend
5.1 Amount
PFH has a Yearly Dividend Yield of 5.19%, which is a nice return.
PFH's Dividend Yield is rather good when compared to the industry average which is at 3.51. PFH pays more dividend than 85.71% of the companies in the same industry.
PFH's Dividend Yield is rather good when compared to the S&P500 average which is at 2.45.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.19% |
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.
The dividend of PFH decreased in the last 3 years.
Dividend Growth(5Y)5.51%
Div Incr Years0
Div Non Decr Years2
5.3 Sustainability
74.23% of the earnings are spent on dividend by PFH. This is not a sustainable payout ratio.
The dividend of PFH is growing, but the earnings are growing slower. 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 (11/21/2025, 8:04:00 PM)
17.25
+0.07 (+0.41%)
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 Cap6.07B
Revenue(TTM)53.54B
Net Income(TTM)2.58B
Analysts66.67
Price Target19.53 (13.22%)
Short Float %0.01%
Short Ratio0.85
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.19% |
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)-1.16%
PT rev (3m)-2%
EPS NQ rev (1m)0.7%
EPS NQ rev (3m)0.53%
EPS NY rev (1m)2.97%
EPS NY rev (3m)4.4%
Revenue NQ rev (1m)0.41%
Revenue NQ rev (3m)3.12%
Revenue NY rev (1m)-0.21%
Revenue NY rev (3m)0.43%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.22 | ||
| Fwd PE | 1.15 | ||
| P/S | 0.11 | ||
| P/FCF | 1.15 | ||
| P/OCF | 1.15 | ||
| P/B | 0.19 | ||
| P/tB | 0.19 | ||
| EV/EBITDA | 2.77 |
EPS(TTM)14.09
EY81.68%
EPS(NY)15.04
Fwd EY87.18%
FCF(TTM)14.98
FCFY86.86%
OCF(TTM)14.98
OCFY86.86%
SpS152.1
BVpS91.18
TBVpS91.18
PEG (NY)0.11
PEG (5Y)0.59
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
WACC8.96%
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 1.22 and the Price/Book (PB) ratio is 0.19.
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.