PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62 (PRH) Stock Fundamental Analysis
USA - NYSE:PRH - US7443208704
24.62 USD
+0.03 (+0.12%)
Taking everything into account, PRH scores 3 out of 10 in our fundamental rating. PRH was compared to 146 industry peers in the Insurance industry. PRH may be in some trouble as it scores bad on both profitability and health. PRH has a bad growth rate and is valued cheaply.
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.
In the past 5 years PRH always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of PRH (0.33%) is worse than 77.40% of its industry peers.
Looking at the Return On Equity, with a value of 8.05%, PRH is doing worse than 63.70% of the companies in the same industry.
PRH has a worse Return On Invested Capital (0.35%) than 70.55% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.33% | ||
| ROE | 8.05% | ||
| ROIC | 0.35% |
ROA(3y)0.15%
ROA(5y)0.27%
ROE(3y)4.35%
ROE(5y)5.32%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 4.83%, PRH is doing worse than 66.44% of the companies in the same industry.
PRH's Profit Margin has declined in the last couple of years.
PRH has a Operating Margin of 6.15%. This is in the lower half of the industry: PRH underperforms 71.23% of its industry peers.
PRH's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.15% | ||
| PM (TTM) | 4.83% | ||
| 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.
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 4.18, which is a neutral value as it means it would take PRH, 4.18 years of fcf income to pay off all of its debts.
PRH's Debt to FCF ratio of 4.18 is in line compared to the rest of the industry. PRH outperforms 43.15% 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.
With a Debt to Equity ratio value of 0.67, PRH is not doing good in the industry: 84.25% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.67 | ||
| Debt/FCF | 4.18 | ||
| Altman-Z | N/A |
ROIC/WACC0.04
WACC9.19%
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 12.09% over the past year.
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.
PRH shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -24.65%.
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)12.09%
EPS 3Y-4.48%
EPS 5Y2.07%
EPS Q2Q%22.41%
Revenue 1Y (TTM)-24.65%
Revenue growth 3Y-2.22%
Revenue growth 5Y0.36%
Sales Q2Q%-16.64%
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.
The Revenue is expected to grow by 0.18% on average over the next years.
EPS Next Y10.85%
EPS Next 2Y7.76%
EPS Next 3Y7.38%
EPS Next 5Y0.81%
Revenue Next Year-18.67%
Revenue Next 2Y-8.1%
Revenue Next 3Y-4.12%
Revenue Next 5Y0.18%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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
Based on the Price/Earnings ratio of 1.75, 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 91.10% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.91, PRH is valued rather cheaply.
The Price/Forward Earnings ratio is 1.64, which 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 92.47% 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 34.57.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.75 | ||
| Fwd PE | 1.64 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PRH is valued cheaply inside the industry as 84.93% of the companies are valued more expensively.
PRH's Price/Free Cash Flow ratio is rather cheap when compared to the industry. PRH is cheaper than 89.04% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.64 | ||
| EV/EBITDA | 3.55 |
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)0.16
PEG (5Y)0.84
EPS Next 2Y7.76%
EPS Next 3Y7.38%
5. Dividend
5.1 Amount
PRH has a Yearly Dividend Yield of 5.13%, which is a nice return.
Compared to an average industry Dividend Yield of 3.46, PRH pays a better dividend. On top of this PRH pays more dividend than 84.93% 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 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.13% |
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 74.23% 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.
DP74.23%
EPS Next 2Y7.76%
EPS Next 3Y7.38%
PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62
NYSE:PRH (11/14/2025, 2:31:40 PM)
24.62
+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 Cap8.67B
Revenue(TTM)53.54B
Net Income(TTM)2.58B
Analysts66.67
Price Target29.68 (20.55%)
Short Float %0%
Short Ratio0.54
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.13% |
Yearly Dividend5.3
Dividend Growth(5Y)5.51%
DP74.23%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)3.66%
PT rev (3m)0.78%
EPS NQ rev (1m)0.76%
EPS NQ rev (3m)-0.4%
EPS NY rev (1m)2.97%
EPS NY rev (3m)4.4%
Revenue NQ rev (1m)0.63%
Revenue NQ rev (3m)1.61%
Revenue NY rev (1m)-0.21%
Revenue NY rev (3m)0.43%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.75 | ||
| Fwd PE | 1.64 | ||
| P/S | 0.16 | ||
| P/FCF | 1.64 | ||
| P/OCF | 1.64 | ||
| P/B | 0.27 | ||
| P/tB | 0.27 | ||
| EV/EBITDA | 3.55 |
EPS(TTM)14.09
EY57.23%
EPS(NY)15.04
Fwd EY61.08%
FCF(TTM)14.98
FCFY60.86%
OCF(TTM)14.98
OCFY60.86%
SpS152.1
BVpS91.18
TBVpS91.18
PEG (NY)0.16
PEG (5Y)0.84
Graham Number170.02
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.33% | ||
| ROE | 8.05% | ||
| ROCE | 0.43% | ||
| ROIC | 0.35% | ||
| ROICexc | 0.36% | ||
| ROICexgc | 0.55% | ||
| OM | 6.15% | ||
| 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-28.02%
ROICexgc 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 | 0.67 | ||
| Debt/FCF | 4.18 | ||
| Debt/EBITDA | 6.11 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 149.7% | ||
| Profit Quality | 204.1% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC9.19%
ROIC/WACC0.04
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)12.09%
EPS 3Y-4.48%
EPS 5Y2.07%
EPS Q2Q%22.41%
EPS Next Y10.85%
EPS Next 2Y7.76%
EPS Next 3Y7.38%
EPS Next 5Y0.81%
Revenue 1Y (TTM)-24.65%
Revenue growth 3Y-2.22%
Revenue growth 5Y0.36%
Sales Q2Q%-16.64%
Revenue Next Year-18.67%
Revenue Next 2Y-8.1%
Revenue Next 3Y-4.12%
Revenue Next 5Y0.18%
EBIT growth 1Y-36.64%
EBIT growth 3Y-35.38%
EBIT growth 5Y-9.89%
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.
Can you provide the valuation status for PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62?
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 2 / 10.
Can you provide the financial health for PRH stock?
The financial health rating of PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62 (PRH) is 2 / 10.
Can you provide the expected EPS growth for PRH stock?
The Earnings per Share (EPS) of PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62 (PRH) is expected to grow by 10.85% in the next year.