PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62 (PRH) Stock Fundamental Analysis
NYSE:PRH - New York Stock Exchange, Inc. - US7443208704 - Currency: USD
PRH gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 143 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
PRH had positive earnings in the past year.
PRH had a positive operating cash flow in the past year.
In multiple years PRH reported negative net income over the last 5 years.
PRH had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.31%, PRH is doing worse than 74.13% of the companies in the same industry.
With a Return On Equity value of 7.59%, PRH is not doing good in the industry: 62.24% of the companies in the same industry are doing better.
PRH has a worse Return On Invested Capital (0.31%) than 65.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.31% | ||
| ROE | 7.59% | ||
| ROIC | 0.31% |
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
Looking at the Profit Margin, with a value of 3.96%, PRH is doing worse than 67.83% of the companies in the same industry.
In the last couple of years the Profit Margin of PRH has declined.
Looking at the Operating Margin, with a value of 4.78%, PRH is doing worse than 76.92% of the companies in the same industry.
In the last couple of years the Operating Margin of PRH has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 4.78% | ||
| PM (TTM) | 3.96% | ||
| 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.
The number of shares outstanding for PRH has been reduced compared to 1 year ago.
Compared to 5 years ago, PRH has less shares outstanding
PRH has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of PRH is 28.89, which is on the high side as it means it would take PRH, 28.89 years of fcf income to pay off all of its debts.
PRH has a Debt to FCF ratio of 28.89. This is amonst the worse of the industry: PRH underperforms 81.12% of its industry peers.
PRH has a Debt/Equity ratio of 0.72. This is a neutral value indicating PRH is somewhat dependend on debt financing.
PRH's Debt to Equity ratio of 0.72 is on the low side compared to the rest of the industry. PRH is outperformed by 84.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.72 | ||
| Debt/FCF | 28.89 | ||
| Altman-Z | N/A |
ROIC/WACC0.03
WACC9.53%
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 8.61% over the past year.
PRH shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.07% yearly.
PRH shows a decrease in Revenue. In the last year, the revenue decreased by -0.67%.
Measured over the past years, PRH shows a small growth in Revenue. The Revenue has been growing by 0.36% on average per year.
EPS 1Y (TTM)8.61%
EPS 3Y-4.48%
EPS 5Y2.07%
EPS Q2Q%5.45%
Revenue 1Y (TTM)-0.67%
Revenue growth 3Y-2.22%
Revenue growth 5Y0.36%
Sales Q2Q%-38.19%
3.2 Future
Based on estimates for the next years, PRH will show a decrease in Earnings Per Share. The EPS will decrease by -0.51% on average per year.
PRH is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -1.53% yearly.
EPS Next Y6.49%
EPS Next 2Y7.25%
EPS Next 3Y7.14%
EPS Next 5Y-0.51%
Revenue Next Year-18.45%
Revenue Next 2Y-7.78%
Revenue Next 3Y-1.17%
Revenue Next 5Y-1.53%
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 1.86 indicates a rather cheap valuation of PRH.
PRH's Price/Earnings ratio is rather cheap when compared to the industry. PRH is cheaper than 90.21% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.82, PRH is valued rather cheaply.
With a Price/Forward Earnings ratio of 1.64, the valuation of PRH can be described as very cheap.
PRH's Price/Forward Earnings ratio is rather cheap when compared to the industry. PRH is cheaper than 90.21% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.76. PRH is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.86 | ||
| Fwd PE | 1.64 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PRH is valued a bit cheaper than the industry average as 79.02% of the companies are valued more expensively.
The rest of the industry has a similar Price/Free Cash Flow ratio as PRH.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.13 | ||
| EV/EBITDA | 4.62 |
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)0.29
PEG (5Y)0.9
EPS Next 2Y7.25%
EPS Next 3Y7.14%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.30%, PRH is a good candidate for dividend investing.
PRH's Dividend Yield is rather good when compared to the industry average which is at 3.23. PRH pays more dividend than 86.01% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.39, PRH pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.3% |
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 Years1
Div Non Decr Years1
5.3 Sustainability
83.73% 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.
DP83.73%
EPS Next 2Y7.25%
EPS Next 3Y7.14%
PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62
NYSE:PRH (5/23/2025, 8:47:37 PM)
24.37
-0.05 (-0.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners61.12%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap8.63B
Analysts67.62
Price Target27.39 (12.39%)
Short Float %0.02%
Short Ratio2.11
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.3% |
Yearly Dividend5.3
Dividend Growth(5Y)5.51%
DP83.73%
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-3.67%
Min EPS beat(2)-9.72%
Max EPS beat(2)2.38%
EPS beat(4)1
Avg EPS beat(4)-2.76%
Min EPS beat(4)-9.72%
Max EPS beat(4)2.38%
EPS beat(8)2
Avg EPS beat(8)-1.11%
EPS beat(12)3
Avg EPS beat(12)-3.75%
EPS beat(16)7
Avg EPS beat(16)3.89%
Revenue beat(2)0
Avg Revenue beat(2)-9.7%
Min Revenue beat(2)-12.43%
Max Revenue beat(2)-6.96%
Revenue beat(4)2
Avg Revenue beat(4)2.85%
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)5.78%
Revenue beat(16)8
Avg Revenue beat(16)9.23%
PT rev (1m)-3.35%
PT rev (3m)-5.1%
EPS NQ rev (1m)-2.93%
EPS NQ rev (3m)-5.46%
EPS NY rev (1m)-0.84%
EPS NY rev (3m)-4.1%
Revenue NQ rev (1m)0.3%
Revenue NQ rev (3m)-2.9%
Revenue NY rev (1m)-2.53%
Revenue NY rev (3m)-5.66%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.86 | ||
| Fwd PE | 1.64 | ||
| P/S | 0.15 | ||
| P/FCF | 11.13 | ||
| P/OCF | 11.13 | ||
| P/B | 0.29 | ||
| P/tB | 0.29 | ||
| EV/EBITDA | 4.62 |
EPS(TTM)13.12
EY53.84%
EPS(NY)14.9
Fwd EY61.13%
FCF(TTM)2.19
FCFY8.98%
OCF(TTM)2.19
OCFY8.98%
SpS161.84
BVpS84.42
TBVpS84.42
PEG (NY)0.29
PEG (5Y)0.9
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.31% | ||
| ROE | 7.59% | ||
| ROCE | 0.37% | ||
| ROIC | 0.31% | ||
| ROICexc | 0.31% | ||
| ROICexgc | 0.48% | ||
| OM | 4.78% | ||
| PM (TTM) | 3.96% | ||
| GM | N/A | ||
| FCFM | 1.35% |
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 Turnover0.08
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.72 | ||
| Debt/FCF | 28.89 | ||
| Debt/EBITDA | 6.89 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 24.82% | ||
| Profit Quality | 34.17% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC9.53%
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)8.61%
EPS 3Y-4.48%
EPS 5Y2.07%
EPS Q2Q%5.45%
EPS Next Y6.49%
EPS Next 2Y7.25%
EPS Next 3Y7.14%
EPS Next 5Y-0.51%
Revenue 1Y (TTM)-0.67%
Revenue growth 3Y-2.22%
Revenue growth 5Y0.36%
Sales Q2Q%-38.19%
Revenue Next Year-18.45%
Revenue Next 2Y-7.78%
Revenue Next 3Y-1.17%
Revenue Next 5Y-1.53%
EBIT growth 1Y-1.9%
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-87.37%
FCF growth 3Y-4.66%
FCF growth 5Y-15.41%
OCF growth 1Y-87.37%
OCF growth 3Y-4.66%
OCF growth 5Y-15.41%