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PRUDENTIAL FINANCIAL INC (PLL.DE) Stock Fundamental Analysis

FRA:PLL - Deutsche Boerse Ag - US7443201022 - Common Stock - Currency: EUR

87.7  +1.42 (+1.65%)

Fundamental Rating

3

Overall PLL gets a fundamental rating of 3 out of 10. We evaluated PLL against 36 industry peers in the Insurance industry. PLL has a bad profitability rating. Also its financial health evaluation is rather negative. PLL has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year PLL was profitable.
PLL had a positive operating cash flow in the past year.
In multiple years PLL reported negative net income over the last 5 years.
PLL had a positive operating cash flow in each of the past 5 years.
PLL.DE Yearly Net Income VS EBIT VS OCF VS FCFPLL.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 0 5B 10B 15B 20B

1.2 Ratios

PLL has a Return On Assets of 0.30%. This is in the lower half of the industry: PLL underperforms 77.78% of its industry peers.
The Return On Equity of PLL (7.88%) is worse than 75.00% of its industry peers.
With a Return On Invested Capital value of 0.42%, PLL is not doing good in the industry: 72.22% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.3%
ROE 7.88%
ROIC 0.42%
ROA(3y)0.19%
ROA(5y)0.3%
ROE(3y)2.31%
ROE(5y)4.35%
ROIC(3y)N/A
ROIC(5y)N/A
PLL.DE Yearly ROA, ROE, ROICPLL.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 0 5 10

1.3 Margins

The Profit Margin of PLL (2.94%) is worse than 75.00% of its industry peers.
Looking at the Operating Margin, with a value of 4.98%, PLL is doing worse than 86.11% of the companies in the same industry.
Industry RankSector Rank
OM 4.98%
PM (TTM) 2.94%
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
PLL.DE Yearly Profit, Operating, Gross MarginsPLL.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 0 5 10

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1

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PLL is destroying value.
The number of shares outstanding for PLL has been reduced compared to 1 year ago.
PLL has a worse debt/assets ratio than last year.
PLL.DE Yearly Shares OutstandingPLL.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 100M 200M 300M 400M
PLL.DE Yearly Total Debt VS Total AssetsPLL.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 200B 400B 600B 800B

2.2 Solvency

PLL has a debt to FCF ratio of 7.47. This is a slightly negative value and a sign of low solvency as PLL would need 7.47 years to pay back of all of its debts.
PLL has a Debt to FCF ratio (7.47) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.78 indicates that PLL is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.78, PLL is doing worse than 75.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.78
Debt/FCF 7.47
Altman-Z N/A
ROIC/WACC0.05
WACC8.07%
PLL.DE Yearly LT Debt VS Equity VS FCFPLL.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 20B 40B 60B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PLL.DE Yearly Current Assets VS Current LiabilitesPLL.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 5B 10B 15B 20B

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5

3. Growth

3.1 Past

PLL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.13%, which is quite good.
Measured over the past years, PLL shows a decrease in Earnings Per Share. The EPS has been decreasing by -2.21% on average per year.
Looking at the last year, PLL shows a quite strong growth in Revenue. The Revenue has grown by 9.71% in the last year.
PLL shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.03% yearly.
EPS 1Y (TTM)12.13%
EPS 3Y-6.81%
EPS 5Y-2.21%
EPS Q2Q%61.5%
Revenue 1Y (TTM)9.71%
Revenue growth 3Y-2.67%
Revenue growth 5Y0.03%
Sales Q2Q%-59.22%

3.2 Future

The Earnings Per Share is expected to grow by 6.21% on average over the next years.
PLL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.34% yearly.
EPS Next Y26.19%
EPS Next 2Y18.86%
EPS Next 3Y14.74%
EPS Next 5Y6.21%
Revenue Next Year-13.05%
Revenue Next 2Y-7.12%
Revenue Next 3Y-4.05%
Revenue Next 5Y0.34%

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better 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 accelerating.
PLL.DE Yearly Revenue VS EstimatesPLL.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20B 40B 60B
PLL.DE Yearly EPS VS EstimatesPLL.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5 10

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6

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 8.32 indicates a reasonable valuation of PLL.
PLL's Price/Earnings ratio is a bit cheaper when compared to the industry. PLL is cheaper than 69.44% of the companies in the same industry.
PLL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.04.
PLL is valuated cheaply with a Price/Forward Earnings ratio of 7.14.
The rest of the industry has a similar Price/Forward Earnings ratio as PLL.
When comparing the Price/Forward Earnings ratio of PLL to the average of the S&P500 Index (37.64), we can say PLL is valued rather cheaply.
Industry RankSector Rank
PE 8.32
Fwd PE 7.14
PLL.DE Price Earnings VS Forward Price EarningsPLL.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

4.2 Price Multiples

PLL's Enterprise Value to EBITDA ratio is in line with the industry average.
PLL's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 12.69
EV/EBITDA 10.62
PLL.DE Per share dataPLL.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

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.
PLL's earnings are expected to grow with 14.74% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.32
PEG (5Y)N/A
EPS Next 2Y18.86%
EPS Next 3Y14.74%

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5

5. Dividend

5.1 Amount

PLL has a Yearly Dividend Yield of 5.11%, which is a nice return.
PLL's Dividend Yield is comparable with the industry average which is at 4.51.
Compared to an average S&P500 Dividend Yield of 2.35, PLL pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.11%

5.2 History

On average, the dividend of PLL grows each year by 10.01%, which is quite nice.
Dividend Growth(5Y)10.01%
Div Incr Years0
Div Non Decr Years0
PLL.DE Yearly Dividends per sharePLL.DE Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 1 2 3 4

5.3 Sustainability

90.31% of the earnings are spent on dividend by PLL. This is not a sustainable payout ratio.
PLL's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP90.31%
EPS Next 2Y18.86%
EPS Next 3Y14.74%
PLL.DE Yearly Income VS Free CF VS DividendPLL.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 0 5B 10B 15B 20B
PLL.DE Dividend Payout.PLL.DE Dividend Payout, showing the Payout Ratio.PLL.DE Dividend Payout.PayoutRetained Earnings

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PRUDENTIAL FINANCIAL INC

FRA:PLL (11/24/2023, 7:00:00 PM)

87.7

+1.42 (+1.65%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst OwnersN/A
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap31.66B
Analysts56.67
Price Target94.3 (7.53%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.11%
Yearly Dividend4.9
Dividend Growth(5Y)10.01%
DP90.31%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.74%
Min EPS beat(2)-3.25%
Max EPS beat(2)8.73%
EPS beat(4)1
Avg EPS beat(4)-2.33%
Min EPS beat(4)-10.1%
Max EPS beat(4)8.73%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)51.44%
Min Revenue beat(2)-36.22%
Max Revenue beat(2)139.1%
Revenue beat(4)2
Avg Revenue beat(4)32.5%
Min Revenue beat(4)-36.22%
Max Revenue beat(4)139.1%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)2.09%
PT rev (3m)2.09%
EPS NQ rev (1m)-10.18%
EPS NQ rev (3m)-10.89%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.52%
Revenue NQ rev (1m)-0.51%
Revenue NQ rev (3m)3.89%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.75%
Valuation
Industry RankSector Rank
PE 8.32
Fwd PE 7.14
P/S 0.5
P/FCF 12.69
P/OCF 12.69
P/B 1.33
P/tB 1.33
EV/EBITDA 10.62
EPS(TTM)10.54
EY12.02%
EPS(NY)12.29
Fwd EY14.01%
FCF(TTM)6.91
FCFY7.88%
OCF(TTM)6.91
OCFY7.88%
SpS176.45
BVpS65.75
TBVpS65.75
PEG (NY)0.32
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.3%
ROE 7.88%
ROCE 0.51%
ROIC 0.42%
ROICexc 0.43%
ROICexgc 0.66%
OM 4.98%
PM (TTM) 2.94%
GM N/A
FCFM 3.92%
ROA(3y)0.19%
ROA(5y)0.3%
ROE(3y)2.31%
ROE(5y)4.35%
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 3YN/A
ROICexcg 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-Score9
Asset Turnover0.1
Health
Industry RankSector Rank
Debt/Equity 0.78
Debt/FCF 7.47
Debt/EBITDA 5.76
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 250
Cash Conversion 77.32%
Profit Quality 133.43%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC8.07%
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)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)12.13%
EPS 3Y-6.81%
EPS 5Y-2.21%
EPS Q2Q%61.5%
EPS Next Y26.19%
EPS Next 2Y18.86%
EPS Next 3Y14.74%
EPS Next 5Y6.21%
Revenue 1Y (TTM)9.71%
Revenue growth 3Y-2.67%
Revenue growth 5Y0.03%
Sales Q2Q%-59.22%
Revenue Next Year-13.05%
Revenue Next 2Y-7.12%
Revenue Next 3Y-4.05%
Revenue Next 5Y0.34%
EBIT growth 1Y148.88%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y38.05%
FCF growth 3Y-35.94%
FCF growth 5Y-17.46%
OCF growth 1Y38.05%
OCF growth 3Y-35.94%
OCF growth 5Y-17.46%