PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62 (PRH) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:PRH - US7443208704
24.75 USD
-0.05 (-0.2%)
Overall PRH gets a fundamental rating of 3 out of 10. We evaluated PRH against 147 industry peers in the Insurance industry. Both the profitability and financial health of PRH have multiple concerns. PRH is valued quite cheap, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year PRH was profitable.
In the past year PRH had a positive cash flow from operations.
In multiple years PRH reported negative net income over the last 5 years.
Each year in the past 5 years PRH had a positive operating cash flow.
1.2 Ratios
PRH has a Return On Assets of 0.33%. This is amonst the worse of the industry: PRH underperforms 83.78% of its industry peers.
PRH has a worse Return On Equity (8.05%) than 65.54% of its industry peers.
PRH has a Return On Invested Capital of 0.28%. This is in the lower half of the industry: PRH underperforms 71.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.33% | ||
| ROE | 8.05% | ||
| ROIC | 0.28% |
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
PRH has a worse Profit Margin (4.83%) than 69.59% of its industry peers.
In the last couple of years the Profit Margin of PRH has declined.
With a Operating Margin value of 4.87%, PRH is not doing good in the industry: 79.73% of the companies in the same industry are doing better.
In the last couple of years the Operating Margin of PRH has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 4.87% | ||
| PM (TTM) | 4.83% | ||
| GM | N/A |
OM growth 3Y-39.41%
OM growth 5Y-14.76%
PM growth 3Y-30.9%
PM growth 5Y-8.56%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PRH 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.
Compared to 1 year ago, PRH has a worse debt to assets ratio.
2.2 Solvency
PRH has a debt to FCF ratio of 4.18. This is a neutral value as PRH would need 4.18 years to pay back of all of its debts.
PRH has a Debt to FCF ratio of 4.18. This is in the lower half of the industry: PRH underperforms 60.81% of its industry peers.
A Debt/Equity ratio of 0.67 indicates that PRH is somewhat dependend on debt financing.
PRH has a worse Debt to Equity ratio (0.67) than 83.11% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.67 | ||
| Debt/FCF | 4.18 | ||
| Altman-Z | N/A |
ROIC/WACC0.03
WACC8.82%
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.
PRH shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -24.65%.
The Revenue has been growing slightly by 0.36% on average over the past years.
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
The Earnings Per Share is expected to grow by 0.81% on average over the next years.
Based on estimates for the next years, PRH will show a small growth in Revenue. The Revenue will grow by 0.18% on average per year.
EPS Next Y13.45%
EPS Next 2Y7.95%
EPS Next 3Y7.47%
EPS Next 5Y0.81%
Revenue Next Year-17.41%
Revenue Next 2Y-8.39%
Revenue Next 3Y-4.35%
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
PRH is valuated cheaply with a Price/Earnings ratio of 1.76.
91.22% of the companies in the same industry are more expensive than PRH, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.49. PRH is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 1.64, the valuation of PRH can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PRH indicates a rather cheap valuation: PRH is cheaper than 92.57% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.69. PRH is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.76 | ||
| Fwd PE | 1.64 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of PRH indicates a somewhat cheap valuation: PRH is cheaper than 79.73% of the companies listed in the same industry.
89.19% of the companies in the same industry are more expensive than PRH, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.64 | ||
| EV/EBITDA | 4.36 |
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)0.13
PEG (5Y)0.85
EPS Next 2Y7.95%
EPS Next 3Y7.47%
5. Dividend
5.1 Amount
PRH has a Yearly Dividend Yield of 4.90%, which is a nice return.
Compared to an average industry Dividend Yield of 3.48, PRH pays a better dividend. On top of this PRH pays more dividend than 84.46% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.31, PRH pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.9% |
5.2 History
The dividend of PRH has a limited annual growth rate of 5.51%.
PRH has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)5.51%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
PRH pays out 74.23% of its income as dividend. This is not a sustainable payout ratio.
The dividend of PRH is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP74.23%
EPS Next 2Y7.95%
EPS Next 3Y7.47%
PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62
NYSE:PRH (12/5/2025, 8:04:00 PM)
24.75
-0.05 (-0.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners61.87%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap8.66B
Revenue(TTM)53.54B
Net Income(TTM)2.58B
Analysts66.67
Price Target26.93 (8.81%)
Short Float %0%
Short Ratio0.18
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.9% |
Yearly Dividend5.3
Dividend Growth(5Y)5.51%
DP74.23%
Div Incr Years0
Div Non Decr Years0
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)-9.25%
PT rev (3m)-3.71%
EPS NQ rev (1m)0.43%
EPS NQ rev (3m)0.85%
EPS NY rev (1m)2.34%
EPS NY rev (3m)5.29%
Revenue NQ rev (1m)-3.12%
Revenue NQ rev (3m)-0.09%
Revenue NY rev (1m)1.55%
Revenue NY rev (3m)2.21%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.76 | ||
| Fwd PE | 1.64 | ||
| P/S | 0.16 | ||
| P/FCF | 1.64 | ||
| P/OCF | 1.64 | ||
| P/B | 0.27 | ||
| P/tB | 0.27 | ||
| EV/EBITDA | 4.36 |
EPS(TTM)14.09
EY56.93%
EPS(NY)15.09
Fwd EY60.97%
FCF(TTM)15.07
FCFY60.88%
OCF(TTM)15.07
OCFY60.88%
SpS152.97
BVpS91.7
TBVpS91.7
PEG (NY)0.13
PEG (5Y)0.85
Graham Number170.5
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.33% | ||
| ROE | 8.05% | ||
| ROCE | 0.34% | ||
| ROIC | 0.28% | ||
| ROICexc | 0.28% | ||
| ROICexgc | 0.43% | ||
| OM | 4.87% | ||
| 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-34%
ROICexgc growth 5Y-12.49%
ROICexc growth 3Y-35.91%
ROICexc growth 5Y-11.25%
OM growth 3Y-39.41%
OM growth 5Y-14.76%
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 | 7.6 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 186.03% | ||
| Profit Quality | 204.1% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC8.82%
ROIC/WACC0.03
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 Y13.45%
EPS Next 2Y7.95%
EPS Next 3Y7.47%
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-17.41%
Revenue Next 2Y-8.39%
Revenue Next 3Y-4.35%
Revenue Next 5Y0.18%
EBIT growth 1Y-49.87%
EBIT growth 3Y-40.75%
EBIT growth 5Y-14.45%
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 5.95 09/01/62 / PRH FAQ
What is the fundamental rating for PRH stock?
ChartMill assigns a fundamental rating of 3 / 10 to PRH.
Can you provide the valuation status for PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62?
ChartMill assigns a valuation rating of 8 / 10 to PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62 (PRH). This can be considered as Undervalued.
Can you provide the profitability details for PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62?
PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62 (PRH) has a profitability rating of 2 / 10.
Can you provide the financial health for PRH stock?
The financial health rating of PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62 (PRH) is 1 / 10.
Can you provide the expected EPS growth for PRH stock?
The Earnings per Share (EPS) of PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62 (PRH) is expected to grow by 13.45% in the next year.