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

USA • New York Stock Exchange • NYSE:PRH • US7443208704

24.93 USD
-0.09 (-0.36%)
Last: Feb 5, 2026, 08:04 PM
Fundamental Rating

3

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.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • PRH had positive earnings in the past year.
  • 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.
  • Of the past 5 years PRH 4 years had a positive operating cash flow.
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 0 5B 10B 15B 20B

1.2 Ratios

  • PRH's Return On Assets of 0.33% is on the low side compared to the rest of the industry. PRH is outperformed by 81.63% of its industry peers.
  • PRH has a Return On Equity of 8.05%. This is in the lower half of the industry: PRH underperforms 63.95% of its industry peers.
  • PRH has a worse Return On Invested Capital (0.28%) than 71.43% of its industry peers.
Industry RankSector 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
PRH Yearly ROA, ROE, ROICPRH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10

1.3 Margins

  • PRH has a worse Profit Margin (4.83%) than 67.35% of its industry peers.
  • PRH's Profit Margin has declined in the last couple of years.
  • PRH's Operating Margin of 4.87% is on the low side compared to the rest of the industry. PRH is outperformed by 78.91% of its industry peers.
  • PRH's Operating Margin has declined in the last couple of years.
Industry RankSector 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
PRH Yearly Profit, Operating, Gross MarginsPRH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PRH is destroying value.
  • There is no outstanding debt for PRH. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
PRH Yearly Shares OutstandingPRH Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 200B 400B 600B 800B

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's Debt to FCF ratio of 4.18 is on the low side compared to the rest of the industry. PRH is outperformed by 61.22% of its industry peers.
  • PRH has a Debt/Equity ratio of 0.67. This is a neutral value indicating PRH is somewhat dependend on debt financing.
  • PRH has a worse Debt to Equity ratio (0.67) than 82.99% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.67
Debt/FCF 4.18
Altman-Z N/A
ROIC/WACC0.03
WACC9.16%
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 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 5B 10B 15B 20B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. Growth

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.
  • The Earnings Per Share has been growing slightly by 6.96% on average over the past years.
EPS 1Y (TTM)11.43%
EPS 3Y15.11%
EPS 5Y6.96%
EPS Q2Q%11.49%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%11.62%

3.2 Future

  • Based on estimates for the next years, PRH will show a decrease in Earnings Per Share. The EPS will decrease by -1.68% on average per year.
  • Based on estimates for the next years, PRH will show a small growth in Revenue. The Revenue will grow by 5.04% on average per year.
EPS Next Y4.46%
EPS Next 2Y5.1%
EPS Next 3Y5.44%
EPS Next 5Y-1.68%
Revenue Next Year1.08%
Revenue Next 2Y2.43%
Revenue Next 3Y6.07%
Revenue Next 5Y5.04%

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.
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

More info and screens

Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 1.73, which indicates a rather cheap valuation of PRH.
  • Compared to the rest of the industry, the Price/Earnings ratio of PRH indicates a rather cheap valuation: PRH is cheaper than 91.84% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of PRH to the average of the S&P500 Index (27.67), we can say PRH is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 1.65, the valuation of PRH can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, PRH is valued cheaply inside the industry as 91.84% of the companies are valued more expensively.
  • PRH's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.20.
Industry RankSector Rank
PE 1.73
Fwd PE 1.65
PRH Price Earnings VS Forward Price EarningsPRH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of PRH indicates a rather cheap valuation: PRH is cheaper than 81.63% of the companies listed in the same industry.
  • 89.12% of the companies in the same industry are more expensive than PRH, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 1.65
EV/EBITDA 4.4
PRH Per share dataPRH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

4.3 Compensation for Growth

  • PRH's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.39
PEG (5Y)0.25
EPS Next 2Y5.1%
EPS Next 3Y5.44%

More info and screens

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

5

5. Dividend

5.1 Amount

  • PRH has a Yearly Dividend Yield of 5.22%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.24, PRH pays a better dividend. On top of this PRH pays more dividend than 87.76% of the companies listed in the same industry.
  • PRH's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 5.22%

5.2 History

  • The dividend of PRH has a limited annual growth rate of 5.51%.
  • PRH has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)5.51%
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

  • 74.23% of the earnings are spent on dividend by PRH. This is not a sustainable payout ratio.
  • PRH's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP74.23%
EPS Next 2Y5.1%
EPS Next 3Y5.44%
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 0 5B 10B 15B 20B
PRH Dividend Payout.PRH Dividend Payout, showing the Payout Ratio.PRH Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62

NYSE:PRH (2/5/2026, 8:04:00 PM)

24.93

-0.09 (-0.36%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-03
Earnings (Next)04-28
Inst Owners61.95%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap8.73B
Revenue(TTM)N/A
Net Income(TTM)2.58B
Analysts66.67
Price Target27.62 (10.79%)
Short Float %0%
Short Ratio0.57
Dividend
Industry RankSector Rank
Dividend Yield 5.22%
Yearly Dividend5.3
Dividend Growth(5Y)5.51%
DP74.23%
Div Incr Years0
Div Non Decr Years0
Ex-Date02-13
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)0.24%
PT rev (3m)-12.14%
EPS NQ rev (1m)-0.15%
EPS NQ rev (3m)-0.02%
EPS NY rev (1m)-0.19%
EPS NY rev (3m)4.56%
Revenue NQ rev (1m)-0.83%
Revenue NQ rev (3m)-0.17%
Revenue NY rev (1m)0.37%
Revenue NY rev (3m)2.83%
Valuation
Industry RankSector Rank
PE 1.73
Fwd PE 1.65
P/S 0.16
P/FCF 1.65
P/OCF 1.65
P/B 0.27
P/tB 0.27
EV/EBITDA 4.4
EPS(TTM)14.43
EY57.88%
EPS(NY)15.07
Fwd EY60.46%
FCF(TTM)15.07
FCFY60.44%
OCF(TTM)15.07
OCFY60.44%
SpS152.97
BVpS91.7
TBVpS91.7
PEG (NY)0.39
PEG (5Y)0.25
Graham Number172.55
Profitability
Industry RankSector 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 RankSector 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
WACC9.16%
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)11.43%
EPS 3Y15.11%
EPS 5Y6.96%
EPS Q2Q%11.49%
EPS Next Y4.46%
EPS Next 2Y5.1%
EPS Next 3Y5.44%
EPS Next 5Y-1.68%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%11.62%
Revenue Next Year1.08%
Revenue Next 2Y2.43%
Revenue Next 3Y6.07%
Revenue Next 5Y5.04%
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.


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

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 1 / 10.


How financially healthy is PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62?

The financial health rating of PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62 (PRH) is 1 / 10.


How sustainable is the dividend of PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62 (PRH) stock?

The dividend rating of PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62 (PRH) is 5 / 10 and the dividend payout ratio is 74.23%.