PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62 (PRH) Stock Fundamental Analysis
USA - NYSE:PRH - US7443208704
26.02 USD
+0.08 (+0.31%)
Overall PRH gets a fundamental rating of 3 out of 10. We evaluated PRH against 146 industry peers in the Insurance industry. PRH has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
The reported net income has been mixed in the past 5 years: PRH reported negative net income in multiple years.
PRH had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.21%, PRH is not doing good in the industry: 80.82% of the companies in the same industry are doing better.
With a Return On Equity value of 5.27%, PRH is not doing good in the industry: 71.92% of the companies in the same industry are doing better.
PRH has a worse Return On Invested Capital (0.22%) than 67.81% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.21% | ||
| ROE | 5.27% | ||
| ROIC | 0.22% |
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's Profit Margin of 2.92% is on the low side compared to the rest of the industry. PRH is outperformed by 72.60% of its industry peers.
PRH's Profit Margin has declined in the last couple of years.
PRH has a Operating Margin of 3.74%. This is in the lower half of the industry: PRH underperforms 79.45% of its industry peers.
In the last couple of years the Operating Margin of PRH has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 3.74% | ||
| PM (TTM) | 2.92% | ||
| GM | N/A |
OM growth 3Y-33.92%
OM growth 5Y-10.21%
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.
PRH has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of PRH is 10.46, which is on the high side as it means it would take PRH, 10.46 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of PRH (10.46) is worse than 68.49% of its industry peers.
A Debt/Equity ratio of 0.68 indicates that PRH is somewhat dependend on debt financing.
PRH's Debt to Equity ratio of 0.68 is on the low side compared to the rest of the industry. PRH is outperformed by 84.93% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.68 | ||
| Debt/FCF | 10.46 | ||
| Altman-Z | N/A |
ROIC/WACC0.02
WACC9.34%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
PRH shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.23%.
Measured over the past 5 years, PRH shows a small growth in Earnings Per Share. The EPS has been growing by 2.07% on average per year.
The Revenue has decreased by -9.43% in the past year.
PRH shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.36% yearly.
EPS 1Y (TTM)6.23%
EPS 3Y-4.48%
EPS 5Y2.07%
EPS Q2Q%5.6%
Revenue 1Y (TTM)-9.43%
Revenue growth 3Y-2.22%
Revenue growth 5Y0.36%
Sales Q2Q%-2.42%
3.2 Future
The Earnings Per Share is expected to grow by 0.81% on average over the next years.
The Revenue is expected to grow by 0.18% on average over the next years.
EPS Next Y7.75%
EPS Next 2Y7.43%
EPS Next 3Y7.49%
EPS Next 5Y0.81%
Revenue Next Year-19.2%
Revenue Next 2Y-7.81%
Revenue Next 3Y-3.79%
Revenue Next 5Y0.18%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 1.95 indicates a rather cheap valuation of PRH.
Based on the Price/Earnings ratio, PRH is valued cheaply inside the industry as 91.78% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of PRH to the average of the S&P500 Index (27.20), we can say PRH is valued rather cheaply.
A Price/Forward Earnings ratio of 1.74 indicates a rather cheap valuation of PRH.
Based on the Price/Forward Earnings ratio, PRH is valued cheaper than 92.47% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.71, PRH is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.95 | ||
| Fwd PE | 1.74 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PRH is valued a bit cheaper than the industry average as 75.34% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, PRH is valued a bit cheaper than the industry average as 74.66% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.4 | ||
| EV/EBITDA | 5.75 |
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)0.25
PEG (5Y)0.95
EPS Next 2Y7.43%
EPS Next 3Y7.49%
5. Dividend
5.1 Amount
PRH has a Yearly Dividend Yield of 5.05%, which is a nice return.
Compared to an average industry Dividend Yield of 3.43, PRH pays a better dividend. On top of this PRH pays more dividend than 83.56% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, PRH pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.05% |
5.2 History
The dividend of PRH has a limited annual growth rate of 5.51%.
PRH has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)5.51%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
PRH pays out 118.44% of its income as dividend. This is not a sustainable payout ratio.
PRH's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP118.44%
EPS Next 2Y7.43%
EPS Next 3Y7.49%
PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62
NYSE:PRH (9/16/2025, 8:04:00 PM)
26.02
+0.08 (+0.31%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners61.29%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap9.16B
Analysts66.67
Price Target28.35 (8.95%)
Short Float %0.01%
Short Ratio3.33
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.05% |
Yearly Dividend5.3
Dividend Growth(5Y)5.51%
DP118.44%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.42%
Min EPS beat(2)2.38%
Max EPS beat(2)10.45%
EPS beat(4)2
Avg EPS beat(4)0.53%
Min EPS beat(4)-9.72%
Max EPS beat(4)10.45%
EPS beat(8)3
Avg EPS beat(8)0.61%
EPS beat(12)4
Avg EPS beat(12)-0.71%
EPS beat(16)7
Avg EPS beat(16)3.25%
Revenue beat(2)0
Avg Revenue beat(2)-3.99%
Min Revenue beat(2)-6.96%
Max Revenue beat(2)-1.02%
Revenue beat(4)1
Avg Revenue beat(4)2.27%
Min Revenue beat(4)-12.43%
Max Revenue beat(4)29.51%
Revenue beat(8)3
Avg Revenue beat(8)4.39%
Revenue beat(12)5
Avg Revenue beat(12)6.37%
Revenue beat(16)7
Avg Revenue beat(16)8.23%
PT rev (1m)-3.75%
PT rev (3m)3.75%
EPS NQ rev (1m)-0.24%
EPS NQ rev (3m)-0.4%
EPS NY rev (1m)1.48%
EPS NY rev (3m)1.18%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.26%
Revenue NY rev (1m)-0.22%
Revenue NY rev (3m)-0.67%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.95 | ||
| Fwd PE | 1.74 | ||
| P/S | 0.17 | ||
| P/FCF | 4.4 | ||
| P/OCF | 4.4 | ||
| P/B | 0.3 | ||
| P/tB | 0.3 | ||
| EV/EBITDA | 5.75 |
EPS(TTM)13.31
EY51.15%
EPS(NY)14.95
Fwd EY57.44%
FCF(TTM)5.92
FCFY22.74%
OCF(TTM)5.92
OCFY22.74%
SpS156.68
BVpS86.88
TBVpS86.88
PEG (NY)0.25
PEG (5Y)0.95
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.21% | ||
| ROE | 5.27% | ||
| ROCE | 0.27% | ||
| ROIC | 0.22% | ||
| ROICexc | 0.23% | ||
| ROICexgc | 0.35% | ||
| OM | 3.74% | ||
| PM (TTM) | 2.92% | ||
| GM | N/A | ||
| FCFM | 3.78% |
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
ROICexcg growth 3Y-28.02%
ROICexcg growth 5Y-7.81%
ROICexc growth 3Y-30.1%
ROICexc growth 5Y-6.51%
OM growth 3Y-33.92%
OM growth 5Y-10.21%
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 | 0.68 | ||
| Debt/FCF | 10.46 | ||
| Debt/EBITDA | 8.73 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 86.9% | ||
| Profit Quality | 129.3% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC9.34%
ROIC/WACC0.02
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)6.23%
EPS 3Y-4.48%
EPS 5Y2.07%
EPS Q2Q%5.6%
EPS Next Y7.75%
EPS Next 2Y7.43%
EPS Next 3Y7.49%
EPS Next 5Y0.81%
Revenue 1Y (TTM)-9.43%
Revenue growth 3Y-2.22%
Revenue growth 5Y0.36%
Sales Q2Q%-2.42%
Revenue Next Year-19.2%
Revenue Next 2Y-7.81%
Revenue Next 3Y-3.79%
Revenue Next 5Y0.18%
EBIT growth 1Y-42.44%
EBIT growth 3Y-35.38%
EBIT growth 5Y-9.89%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-49.83%
FCF growth 3Y-4.66%
FCF growth 5Y-15.41%
OCF growth 1Y-49.83%
OCF growth 3Y-4.66%
OCF growth 5Y-15.41%