PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62 (PRH) Fundamental Analysis & Valuation

NYSE:PRH • US7443208704

Current stock price

23.64 USD
+0.23 (+0.98%)
Last:

This PRH fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. PRH Profitability Analysis

1.1 Basic Checks

  • In the past year PRH was profitable.
  • PRH had a positive operating cash flow in the past year.
  • PRH had positive earnings in 4 of the past 5 years.
  • In the past 5 years PRH always reported a positive cash flow from operatings.
PRH Yearly Net Income VS EBIT VS OCF VS FCFPRH 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

  • The Return On Assets of PRH (0.46%) is worse than 73.47% of its industry peers.
  • Looking at the Return On Equity, with a value of 10.90%, PRH is in line with its industry, outperforming 51.02% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 0.39%, PRH is doing worse than 72.11% of the companies in the same industry.
  • PRH had an Average Return On Invested Capital over the past 3 years of 0.37%. This is significantly below the industry average of 9.36%.
  • The 3 year average ROIC (0.37%) for PRH 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
PRH Yearly ROA, ROE, ROICPRH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10

1.3 Margins

  • The Profit Margin of PRH (6.33%) is comparable to the rest of the industry.
  • With a Operating Margin value of 6.72%, PRH is not doing good in the industry: 75.51% of the companies in the same industry are doing better.
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
PRH Yearly Profit, Operating, Gross MarginsPRH 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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2

2. PRH Health Analysis

2.1 Basic Checks

  • PRH has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • PRH has less shares outstanding than it did 1 year ago.
  • PRH has less shares outstanding than it did 5 years ago.
  • PRH has a worse debt/assets ratio than last year.
PRH Yearly Shares OutstandingPRH Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M
PRH Yearly Total Debt VS Total AssetsPRH 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

  • PRH has a debt to FCF ratio of 3.66. This is a good value and a sign of high solvency as PRH would need 3.66 years to pay back of all of its debts.
  • PRH has a Debt to FCF ratio of 3.66. This is in the lower half of the industry: PRH underperforms 61.90% of its industry peers.
  • PRH has a Debt/Equity ratio of 0.66. This is a neutral value indicating PRH is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.66, PRH is not doing good in the industry: 82.31% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.66
Debt/FCF 3.66
Altman-Z N/A
ROIC/WACC0.05
WACC8.42%
PRH Yearly LT Debt VS Equity VS FCFPRH 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
PRH Yearly Current Assets VS Current LiabilitesPRH 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. PRH Growth Analysis

3.1 Past

  • PRH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.43%, which is quite good.
  • Measured over the past 5 years, PRH shows a small growth in Earnings Per Share. The EPS has been growing by 6.96% on average per year.
  • Looking at the last year, PRH shows a very negative growth in Revenue. The Revenue has decreased by -15.29% in the last year.
  • Measured over the past years, PRH shows a small growth in Revenue. The Revenue has been growing by 1.42% on average per year.
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

  • PRH is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.05% yearly.
  • Based on estimates for the next years, PRH will show a small growth in Revenue. The Revenue will grow by 3.59% on average per year.
EPS Next Y0.8%
EPS Next 2Y4.09%
EPS Next 3Y4.98%
EPS Next 5Y5.05%
Revenue Next Year0.53%
Revenue Next 2Y1.81%
Revenue Next 3Y1.98%
Revenue Next 5Y3.59%

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 accelerating.
PRH Yearly Revenue VS EstimatesPRH 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
PRH Yearly EPS VS EstimatesPRH 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

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7

4. PRH Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 1.64, the valuation of PRH can be described as very cheap.
  • 91.84% of the companies in the same industry are more expensive than PRH, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 25.58, PRH is valued rather cheaply.
  • PRH is valuated cheaply with a Price/Forward Earnings ratio of 1.63.
  • Based on the Price/Forward Earnings ratio, PRH is valued cheaply inside the industry as 91.84% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of PRH to the average of the S&P500 Index (22.81), we can say PRH is valued rather cheaply.
Industry RankSector Rank
PE 1.64
Fwd PE 1.63
PRH Price Earnings VS Forward Price EarningsPRH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, PRH is valued cheaper than 82.31% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, PRH is valued cheaper than 88.44% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.31
EV/EBITDA 2.93
PRH Per share dataPRH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)2.04
PEG (5Y)0.24
EPS Next 2Y4.09%
EPS Next 3Y4.98%

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

6

5. PRH Dividend Analysis

5.1 Amount

  • PRH has a Yearly Dividend Yield of 5.88%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.50, PRH pays a better dividend. On top of this PRH pays more dividend than 89.12% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, PRH pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.88%

5.2 History

  • The dividend of PRH has a limited annual growth rate of 4.31%.
  • PRH has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)4.31%
Div Incr Years0
Div Non Decr Years0
PRH Yearly Dividends per sharePRH Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 2026 0.5 1

5.3 Sustainability

  • 54.48% of the earnings are spent on dividend by PRH. This is a bit on the high side, but may be sustainable.
  • The dividend of PRH 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%
PRH Yearly Income VS Free CF VS DividendPRH 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
PRH Dividend Payout.PRH Dividend Payout, showing the Payout Ratio.PRH Dividend Payout.PayoutRetained Earnings

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PRH Fundamentals: All Metrics, Ratios and Statistics

PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62

NYSE:PRH (4/1/2026, 1:30:34 PM)

23.64

+0.23 (+0.98%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-03
Earnings (Next)04-28
Inst Owners62.61%
Inst Owner ChangeN/A
Ins Owners0.14%
Ins Owner ChangeN/A
Market Cap8.23B
Revenue(TTM)55.85B
Net Income(TTM)3.54B
Analysts56.8
Price Target28.76 (21.66%)
Short Float %0%
Short Ratio0.53
Dividend
Industry RankSector Rank
Dividend Yield 5.88%
Yearly Dividend5.48
Dividend Growth(5Y)4.31%
DP54.48%
Div Incr Years0
Div Non Decr Years0
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)0%
PT rev (3m)10.54%
EPS NQ rev (1m)-2.82%
EPS NQ rev (3m)-7.49%
EPS NY rev (1m)-3.5%
EPS NY rev (3m)-3.59%
Revenue NQ rev (1m)0.27%
Revenue NQ rev (3m)0.41%
Revenue NY rev (1m)-0.3%
Revenue NY rev (3m)-1.86%
Valuation
Industry RankSector Rank
PE 1.64
Fwd PE 1.63
P/S 0.15
P/FCF 1.31
P/OCF 1.31
P/B 0.25
P/tB 0.25
EV/EBITDA 2.93
EPS(TTM)14.43
EY61.04%
EPS(NY)14.55
Fwd EY61.53%
FCF(TTM)18.02
FCFY76.23%
OCF(TTM)18.02
OCFY76.23%
SpS160.5
BVpS93.21
TBVpS93.21
PEG (NY)2.04
PEG (5Y)0.24
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
WACC8.42%
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 Year0.53%
Revenue Next 2Y1.81%
Revenue Next 3Y1.98%
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 5.95 09/01/62 / PRH Fundamental Analysis FAQ

What is the fundamental rating for PRH stock?

ChartMill assigns a fundamental rating of 4 / 10 to PRH.


What is the valuation status of PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62 (PRH) stock?

ChartMill assigns a valuation rating of 7 / 10 to PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62 (PRH). This can be considered as Undervalued.


What is the profitability of PRH stock?

PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62 (PRH) has a profitability rating of 3 / 10.


What is the financial health of PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62 (PRH) stock?

The financial health rating of PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62 (PRH) is 2 / 10.


What is the earnings growth outlook for PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62?

The Earnings per Share (EPS) of PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62 (PRH) is expected to grow by 0.8% in the next year.