PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62 (PRH) Stock Fundamental Analysis
USA - NYSE:PRH - US7443208704
25.56 USD
+0.03 (+0.12%)
PRH gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 145 industry peers in the Insurance industry. PRH has a bad profitability rating. Also its financial health evaluation is rather negative. PRH is cheap, but on the other hand it scores bad on growth.
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.
Each year in the past 5 years PRH had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.21%, PRH is not doing good in the industry: 83.45% of the companies in the same industry are doing better.
PRH has a worse Return On Equity (5.27%) than 71.72% of its industry peers.
PRH has a worse Return On Invested Capital (0.22%) than 69.66% 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
The Profit Margin of PRH (2.92%) is worse than 73.79% of its industry peers.
In the last couple of years the Profit Margin of PRH has declined.
The Operating Margin of PRH (3.74%) is worse than 81.38% of its industry peers.
PRH's Operating Margin has declined in the last couple of years.
| 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
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.
Compared to 5 years ago, PRH has less shares outstanding
Compared to 1 year ago, PRH has a worse debt to assets ratio.
2.2 Solvency
PRH has a debt to FCF ratio of 10.46. This is a negative value and a sign of low solvency as PRH would need 10.46 years to pay back of all of its debts.
With a Debt to FCF ratio value of 10.46, PRH is not doing good in the industry: 67.59% of the companies in the same industry are doing better.
PRH has a Debt/Equity ratio of 0.68. This is a neutral value indicating 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 84.83% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.68 | ||
| Debt/FCF | 10.46 | ||
| Altman-Z | N/A |
ROIC/WACC0.03
WACC8.76%
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.
Looking at the last year, PRH shows a decrease in Revenue. The Revenue has decreased by -9.43% in the last year.
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)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
PRH is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.81% yearly.
PRH is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.18% yearly.
EPS Next Y7.64%
EPS Next 2Y7.35%
EPS Next 3Y7.34%
EPS Next 5Y0.81%
Revenue Next Year-18.5%
Revenue Next 2Y-7.51%
Revenue Next 3Y-3.69%
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.
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
With a Price/Earnings ratio of 1.92, the valuation of PRH can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of PRH indicates a rather cheap valuation: PRH is cheaper than 91.72% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of PRH to the average of the S&P500 Index (27.91), we can say PRH is valued rather cheaply.
A Price/Forward Earnings ratio of 1.71 indicates a rather cheap valuation of PRH.
PRH's Price/Forward Earnings ratio is rather cheap when compared to the industry. PRH is cheaper than 92.41% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.30, PRH is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.92 | ||
| Fwd PE | 1.71 |
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 75.17% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, PRH is valued a bit cheaper than the industry average as 75.86% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.32 | ||
| EV/EBITDA | 5.68 |
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)0.93
EPS Next 2Y7.35%
EPS Next 3Y7.34%
5. Dividend
5.1 Amount
PRH has a Yearly Dividend Yield of 5.30%, which is a nice return.
PRH's Dividend Yield is rather good when compared to the industry average which is at 3.33. PRH pays more dividend than 84.83% of the companies in the same industry.
PRH's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| 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 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.
The dividend of PRH is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP118.44%
EPS Next 2Y7.35%
EPS Next 3Y7.34%
PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62
NYSE:PRH (10/8/2025, 8:09:11 PM)
25.56
+0.03 (+0.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners60.84%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap9.00B
Analysts66.67
Price Target28.63 (12.01%)
Short Float %0.01%
Short Ratio2.47
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.3% |
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)2.36%
PT rev (3m)3.77%
EPS NQ rev (1m)-0.16%
EPS NQ rev (3m)0.06%
EPS NY rev (1m)-0.1%
EPS NY rev (3m)0.99%
Revenue NQ rev (1m)2.05%
Revenue NQ rev (3m)-0.3%
Revenue NY rev (1m)0.87%
Revenue NY rev (3m)0.19%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.92 | ||
| Fwd PE | 1.71 | ||
| P/S | 0.16 | ||
| P/FCF | 4.32 | ||
| P/OCF | 4.32 | ||
| P/B | 0.29 | ||
| P/tB | 0.29 | ||
| EV/EBITDA | 5.68 |
EPS(TTM)13.31
EY52.07%
EPS(NY)14.92
Fwd EY58.39%
FCF(TTM)5.92
FCFY23.15%
OCF(TTM)5.92
OCFY23.15%
SpS156.68
BVpS86.88
TBVpS86.88
PEG (NY)0.25
PEG (5Y)0.93
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
WACC8.76%
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)6.23%
EPS 3Y-4.48%
EPS 5Y2.07%
EPS Q2Q%5.6%
EPS Next Y7.64%
EPS Next 2Y7.35%
EPS Next 3Y7.34%
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-18.5%
Revenue Next 2Y-7.51%
Revenue Next 3Y-3.69%
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%