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

NYSE:PRH • US7443208704

Current stock price

23.61 USD
-0.04 (-0.17%)
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.
  • In the past year PRH had a positive cash flow from operations.
  • Of the past 5 years PRH 4 years were profitable.
  • 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

  • PRH's Return On Assets of 0.46% is on the low side compared to the rest of the industry. PRH is outperformed by 72.97% of its industry peers.
  • PRH's Return On Equity of 10.90% is in line compared to the rest of the industry. PRH outperforms 50.68% of its industry peers.
  • With a Return On Invested Capital value of 0.39%, PRH is not doing good in the industry: 70.27% of the companies in the same industry are doing better.
  • Measured over the past 3 years, the Average Return On Invested Capital for PRH is significantly below the industry average of 9.46%.
  • 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

  • PRH's Profit Margin of 6.33% is in line compared to the rest of the industry. PRH outperforms 45.27% of its industry peers.
  • Looking at the Operating Margin, with a value of 6.72%, PRH is doing worse than 73.65% of the companies in the same industry.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • The number of shares outstanding for PRH has been reduced compared to 1 year ago.
  • The number of shares outstanding for PRH has been reduced compared to 5 years ago.
  • Compared to 1 year ago, PRH has a worse debt to assets ratio.
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

  • The Debt to FCF ratio of PRH is 3.66, which is a good value as it means it would take PRH, 3.66 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 3.66, PRH is not doing good in the industry: 61.49% of the companies in the same industry are doing better.
  • A Debt/Equity ratio of 0.66 indicates that 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: 82.43% 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
WACC8.39%
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

  • The Earnings Per Share has grown by an nice 11.43% over the past year.
  • The Earnings Per Share has been growing slightly by 6.96% on average over the past years.
  • Looking at the last year, PRH shows a very negative growth in Revenue. The Revenue has decreased by -15.29% in the last year.
  • The Revenue has been growing slightly by 1.42% on average over the past years.
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%11.62%

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 Year1.13%
Revenue Next 2Y2.11%
Revenue Next 3Y1.91%
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

  • The Price/Earnings ratio is 1.64, which indicates a rather cheap valuation of PRH.
  • Based on the Price/Earnings ratio, PRH is valued cheaper than 91.89% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.21, PRH is valued rather cheaply.
  • A Price/Forward Earnings ratio of 1.62 indicates a rather cheap valuation of PRH.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of PRH indicates a rather cheap valuation: PRH is cheaper than 91.22% of the companies listed in the same industry.
  • PRH's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.13.
Industry RankSector Rank
PE 1.64
Fwd PE 1.62
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of PRH indicates a rather cheap valuation: PRH is cheaper than 84.46% of the companies listed in the same industry.
  • PRH's Price/Free Cash Flow ratio is rather cheap when compared to the industry. PRH is cheaper than 88.51% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.31
EV/EBITDA 2.95
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 PRH does not grow enough to justify the current Price/Earnings ratio.
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

  • With a Yearly Dividend Yield of 6.00%, PRH is a good candidate for dividend investing.
  • PRH's Dividend Yield is rather good when compared to the industry average which is at 2.55. PRH pays more dividend than 88.51% of the companies in the same industry.
  • PRH's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 6%

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.
  • The dividend of PRH decreased recently.
Dividend Growth(5Y)4.31%
Div Incr Years1
Div Non Decr Years1
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.
  • PRH's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept 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 (4/6/2026, 8:04:00 PM)

23.61

-0.04 (-0.17%)

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 Cap8.22B
Revenue(TTM)55.85B
Net Income(TTM)3.54B
Analysts56.92
Price Target28.76 (21.81%)
Short Float %0%
Short Ratio0.53
Dividend
Industry RankSector Rank
Dividend Yield 6%
Yearly Dividend5.48
Dividend Growth(5Y)4.31%
DP54.48%
Div Incr Years1
Div Non Decr Years1
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)1
Avg Revenue beat(2)5.51%
Min Revenue beat(2)-2.71%
Max Revenue beat(2)13.74%
Revenue beat(4)1
Avg Revenue beat(4)0.76%
Min Revenue beat(4)-6.96%
Max Revenue beat(4)13.74%
Revenue beat(8)4
Avg Revenue beat(8)8.7%
Revenue beat(12)5
Avg Revenue beat(12)5.04%
Revenue beat(16)6
Avg Revenue beat(16)2.57%
PT rev (1m)0%
PT rev (3m)10.54%
EPS NQ rev (1m)-1.88%
EPS NQ rev (3m)-7.15%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.59%
Revenue NQ rev (1m)0.27%
Revenue NQ rev (3m)0.41%
Revenue NY rev (1m)0.31%
Revenue NY rev (3m)-1.26%
Valuation
Industry RankSector Rank
PE 1.64
Fwd PE 1.62
P/S 0.15
P/FCF 1.31
P/OCF 1.31
P/B 0.25
P/tB 0.25
EV/EBITDA 2.95
EPS(TTM)14.43
EY61.12%
EPS(NY)14.55
Fwd EY61.61%
FCF(TTM)18.02
FCFY76.32%
OCF(TTM)18.02
OCFY76.32%
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
WACC8.39%
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%11.62%
Revenue Next Year1.13%
Revenue Next 2Y2.11%
Revenue Next 3Y1.91%
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.