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

NYSE:PFH • US7443208886

17.11 USD
-0.12 (-0.7%)
Last: Mar 9, 2026, 08:04 PM
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This PFH fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

Taking everything into account, PFH scores 4 out of 10 in our fundamental rating. PFH was compared to 149 industry peers in the Insurance industry. PFH has a bad profitability rating. Also its financial health evaluation is rather negative. A decent growth rate in combination with a cheap valuation! Better keep an eye on PFH.


Dividend Valuation Growth Profitability Health

3

1. PFH Profitability Analysis

1.1 Basic Checks

  • PFH had positive earnings in the past year.
  • In the past year PFH had a positive cash flow from operations.
  • Of the past 5 years PFH 4 years were profitable.
  • Each year in the past 5 years PFH had a positive operating cash flow.
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

  • With a Return On Assets value of 0.46%, PFH is not doing good in the industry: 72.48% of the companies in the same industry are doing better.
  • PFH has a Return On Equity (10.90%) which is comparable to the rest of the industry.
  • With a Return On Invested Capital value of 0.39%, PFH is not doing good in the industry: 69.13% of the companies in the same industry are doing better.
  • Measured over the past 3 years, the Average Return On Invested Capital for PFH is significantly below the industry average of 15.25%.
  • The 3 year average ROIC (0.37%) for PFH is below the current ROIC(0.39%), indicating increased profibility in the last year.
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

  • PFH has a Profit Margin of 6.33%. This is comparable to the rest of the industry: PFH outperforms 46.31% of its industry peers.
  • PFH's Operating Margin of 6.72% is on the low side compared to the rest of the industry. PFH is outperformed by 71.14% 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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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. PFH Health Analysis

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
  • 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.
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's Debt to FCF ratio of 3.66 is in line compared to the rest of the industry. PFH outperforms 43.62% of its industry peers.
  • PFH has a Debt/Equity ratio of 0.66. This is a neutral value indicating PFH is somewhat dependend on debt financing.
  • The Debt to Equity ratio of PFH (0.66) is worse than 79.19% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.66
Debt/FCF 3.66
Altman-Z N/A
ROIC/WACC0.05
WACC8.53%
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.
  • The Earnings Per Share has been growing slightly by 6.96% on average over the past years.
  • The Revenue for PFH has decreased by -15.29% in the past year. This is quite bad
  • 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%17.74%

3.2 Future

  • The Earnings Per Share is expected to grow by 5.05% on average over the next years.
  • The Revenue is expected to grow by 3.59% on average over the next years.
EPS Next Y0.8%
EPS Next 2Y4.09%
EPS Next 3Y4.98%
EPS Next 5Y5.05%
Revenue Next Year0.83%
Revenue Next 2Y1.91%
Revenue Next 3Y1.81%
Revenue Next 5Y3.59%

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 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

More info and screens

Find the best growth stocksShow best growing peers

8

4. PFH Valuation Analysis

4.1 Price/Earnings Ratio

  • PFH is valuated cheaply with a Price/Earnings ratio of 1.19.
  • PFH's Price/Earnings ratio is rather cheap when compared to the industry. PFH is cheaper than 94.63% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.46. PFH is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 1.18, the valuation of PFH can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, PFH is valued cheaper than 94.63% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 24.65. PFH is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 1.19
Fwd PE 1.18
PFH Price Earnings VS Forward Price EarningsPFH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • PFH's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. PFH is cheaper than 88.59% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, PFH is valued cheaply inside the industry as 94.63% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 0.95
EV/EBITDA 2.37
PFH Per share dataPFH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

4.3 Compensation for Growth

  • PFH's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.48
PEG (5Y)0.17
EPS Next 2Y4.09%
EPS Next 3Y4.98%

More info and screens

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

6

5. PFH Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 6.00%, PFH is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.89, PFH pays a better dividend. On top of this PFH pays more dividend than 81.88% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, PFH pays a better dividend.
Industry RankSector Rank
Dividend Yield 6%

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.
  • The dividend of PFH decreased in the last 3 years.
Dividend Growth(5Y)4.31%
Div Incr Years0
Div Non Decr Years2
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

  • PFH pays out 54.48% of its income as dividend. 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 2Y4.09%
EPS Next 3Y4.98%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

PFH Fundamentals: All Metrics, Ratios and Statistics

PRUDENTIAL FINANCIAL INC - PRU 4 1/8 09/01/60

NYSE:PFH (3/9/2026, 8:04:00 PM)

17.11

-0.12 (-0.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-03
Earnings (Next)04-28
Inst Owners62.61%
Inst Owner Change0%
Ins Owners0.14%
Ins Owner ChangeN/A
Market Cap5.95B
Revenue(TTM)55.85B
Net Income(TTM)3.54B
Analysts56.8
Price Target20.13 (17.65%)
Short Float %0.01%
Short Ratio0.59
Dividend
Industry RankSector Rank
Dividend Yield 6%
Yearly Dividend5.48
Dividend Growth(5Y)4.31%
DP54.48%
Div Incr Years0
Div Non Decr Years2
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)2
Avg Revenue beat(2)8.18%
Min Revenue beat(2)2.63%
Max Revenue beat(2)13.74%
Revenue beat(4)2
Avg Revenue beat(4)2.1%
Min Revenue beat(4)-6.96%
Max Revenue beat(4)13.74%
Revenue beat(8)5
Avg Revenue beat(8)9.37%
Revenue beat(12)6
Avg Revenue beat(12)5.48%
Revenue beat(16)7
Avg Revenue beat(16)2.9%
PT rev (1m)2.28%
PT rev (3m)7.58%
EPS NQ rev (1m)-4.71%
EPS NQ rev (3m)-6.07%
EPS NY rev (1m)-3.5%
EPS NY rev (3m)-3.61%
Revenue NQ rev (1m)-0.04%
Revenue NQ rev (3m)2.01%
Revenue NY rev (1m)-0.25%
Revenue NY rev (3m)-0.44%
Valuation
Industry RankSector Rank
PE 1.19
Fwd PE 1.18
P/S 0.11
P/FCF 0.95
P/OCF 0.95
P/B 0.18
P/tB 0.18
EV/EBITDA 2.37
EPS(TTM)14.43
EY84.34%
EPS(NY)14.55
Fwd EY85.01%
FCF(TTM)18.02
FCFY105.32%
OCF(TTM)18.02
OCFY105.32%
SpS160.5
BVpS93.21
TBVpS93.21
PEG (NY)1.48
PEG (5Y)0.17
Graham Number173.97
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
WACC8.53%
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 Y0.8%
EPS Next 2Y4.09%
EPS Next 3Y4.98%
EPS Next 5Y5.05%
Revenue 1Y (TTM)-15.29%
Revenue growth 3Y2.26%
Revenue growth 5Y1.42%
Sales Q2Q%17.74%
Revenue Next Year0.83%
Revenue Next 2Y1.91%
Revenue Next 3Y1.81%
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 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 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 3 / 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 0.8% in the next year.