PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62 (PRH) Stock Fundamental Analysis
USA - NYSE:PRH - US7443208704
25 USD
+0.04 (+0.16%)
PRH gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 146 industry peers in the Insurance industry. Both the profitability and financial health of PRH have multiple concerns. 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.
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
With a Return On Assets value of 0.33%, PRH is not doing good in the industry: 77.40% of the companies in the same industry are doing better.
PRH's Return On Equity of 8.05% is on the low side compared to the rest of the industry. PRH is outperformed by 63.01% of its industry peers.
PRH's Return On Invested Capital of 0.35% is on the low side compared to the rest of the industry. PRH is outperformed by 69.86% 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
The Profit Margin of PRH (4.83%) is worse than 66.44% of its industry peers.
In the last couple of years the Profit Margin of PRH has declined.
With a Operating Margin value of 6.15%, PRH is not doing good in the industry: 71.92% of the companies in the same industry are doing better.
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
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.
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.
With a Debt to FCF ratio value of 4.18, PRH perfoms like the industry average, outperforming 41.78% of the companies in the same industry.
A Debt/Equity ratio of 0.67 indicates that 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
WACC9.14%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
PRH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.09%, which is quite good.
PRH shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.07% yearly.
Looking at the last year, PRH shows a very negative growth in Revenue. The Revenue has decreased by -24.65% in the last 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)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
Based on estimates for the next years, PRH will show a small growth in Earnings Per Share. The EPS will grow by 0.81% on average per year.
Based on estimates for the next years, PRH will show a small growth in Revenue. The Revenue will grow by 0.18% on average per year.
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
A Price/Earnings ratio of 1.77 indicates a rather cheap valuation of PRH.
Based on the Price/Earnings ratio, PRH is valued cheaper than 91.10% of the companies in the same industry.
PRH's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.06.
A Price/Forward Earnings ratio of 1.66 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 92.47% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 32.73, PRH is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.77 | ||
| Fwd PE | 1.66 |
4.2 Price Multiples
PRH's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. PRH is cheaper than 83.56% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of PRH indicates a rather cheap valuation: PRH is cheaper than 89.04% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.67 | ||
| EV/EBITDA | 3.55 |
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)0.16
PEG (5Y)0.86
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.
PRH's Dividend Yield is rather good when compared to the industry average which is at 3.39. PRH pays more dividend than 85.62% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.36, PRH pays a better dividend.
| 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 (11/7/2025, 8:09:26 PM)
25
+0.04 (+0.16%)
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 Cap8.80B
Revenue(TTM)53.54B
Net Income(TTM)2.58B
Analysts66.67
Price Target29.68 (18.72%)
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 | 1.77 | ||
| Fwd PE | 1.66 | ||
| P/S | 0.16 | ||
| P/FCF | 1.67 | ||
| P/OCF | 1.67 | ||
| P/B | 0.27 | ||
| P/tB | 0.27 | ||
| EV/EBITDA | 3.55 |
EPS(TTM)14.09
EY56.36%
EPS(NY)15.04
Fwd EY60.15%
FCF(TTM)14.98
FCFY59.93%
OCF(TTM)14.98
OCFY59.93%
SpS152.1
BVpS91.18
TBVpS91.18
PEG (NY)0.16
PEG (5Y)0.86
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
WACC9.14%
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.