PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62 (PRH) Stock Fundamental Analysis
NYSE:PRH - New York Stock Exchange, Inc. - US7443208704 - Currency: USD
Overall PRH gets a fundamental rating of 3 out of 10. We evaluated PRH against 141 industry peers in the Insurance industry. Both the profitability and financial health of PRH have multiple concerns. 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.
In multiple years PRH reported negative net income over the last 5 years.
Each year in the past 5 years PRH had a positive operating cash flow.
1.2 Ratios
PRH's Return On Assets of 0.21% is on the low side compared to the rest of the industry. PRH is outperformed by 78.72% of its industry peers.
PRH has a Return On Equity of 5.27%. This is in the lower half of the industry: PRH underperforms 71.63% of its industry peers.
PRH's Return On Invested Capital of 0.22% is on the low side compared to the rest of the industry. PRH is outperformed by 68.09% 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
With a Profit Margin value of 2.92%, PRH is not doing good in the industry: 71.63% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of PRH has declined.
PRH has a Operating Margin of 3.74%. This is amonst the worse of the industry: PRH underperforms 80.14% of its industry peers.
In the last couple of years the Operating Margin of PRH has declined.
| 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PRH is destroying value.
Compared to 1 year ago, PRH has less shares outstanding
The number of shares outstanding for PRH has been reduced compared to 5 years ago.
PRH has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of PRH is 10.46, which is on the high side as it means it would take PRH, 10.46 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 10.46, PRH is doing worse than 74.47% of the companies in the same industry.
A Debt/Equity ratio of 0.68 indicates that PRH is somewhat dependend on debt financing.
PRH has a worse Debt to Equity ratio (0.68) than 82.98% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.68 | ||
| Debt/FCF | 10.46 | ||
| Altman-Z | N/A |
ROIC/WACC0.02
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 small growth in Earnings Per Share. In the last year, the EPS has grown by 6.23%.
The Earnings Per Share has been growing slightly by 2.07% on average over the past years.
Looking at the last year, PRH shows a decrease in Revenue. The Revenue has decreased by -9.43% in the last year.
The Revenue has been growing slightly by 0.36% on average over the past years.
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
The Earnings Per Share is expected to grow by 0.81% on average over the next years.
The Revenue is expected to grow by 0.18% on average over the next years.
EPS Next Y6.18%
EPS Next 2Y7.51%
EPS Next 3Y7.45%
EPS Next 5Y0.81%
Revenue Next Year-19.02%
Revenue Next 2Y-8.02%
Revenue Next 3Y-4.23%
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.
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
The Price/Earnings ratio is 1.92, which indicates a rather cheap valuation of PRH.
PRH's Price/Earnings ratio is rather cheap when compared to the industry. PRH is cheaper than 90.07% 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 26.84.
With a Price/Forward Earnings ratio of 1.71, 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 91.49% of the companies 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 34.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.92 | ||
| Fwd PE | 1.71 |
4.2 Price Multiples
PRH's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. PRH is cheaper than 73.76% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, PRH is valued a bit cheaper than the industry average as 70.92% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.35 | ||
| EV/EBITDA | 5.71 |
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)0.31
PEG (5Y)0.93
EPS Next 2Y7.51%
EPS Next 3Y7.45%
5. Dividend
5.1 Amount
PRH has a Yearly Dividend Yield of 5.06%, which is a nice return.
Compared to an average industry Dividend Yield of 3.59, PRH pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.36, PRH pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.06% |
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 Years0
Div Non Decr Years0
5.3 Sustainability
118.44% of the earnings are spent on dividend by PRH. This is not a sustainable payout ratio.
PRH's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP118.44%
EPS Next 2Y7.51%
EPS Next 3Y7.45%
PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62
NYSE:PRH (8/20/2025, 8:19:01 PM)
After market: 25.7883 +0.19 (+0.74%)25.6
+0.01 (+0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners61.29%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap9.06B
Analysts66.67
Price Target29.45 (15.04%)
Short Float %0.03%
Short Ratio5.57
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.06% |
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)6.73%
PT rev (3m)7.54%
EPS NQ rev (1m)0.24%
EPS NQ rev (3m)-4.33%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.29%
Revenue NQ rev (1m)-2.34%
Revenue NQ rev (3m)-6.1%
Revenue NY rev (1m)-1.41%
Revenue NY rev (3m)-0.71%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.92 | ||
| Fwd PE | 1.71 | ||
| P/S | 0.16 | ||
| P/FCF | 4.35 | ||
| P/OCF | 4.35 | ||
| P/B | 0.3 | ||
| P/tB | 0.3 | ||
| EV/EBITDA | 5.71 |
EPS(TTM)13.31
EY51.99%
EPS(NY)14.97
Fwd EY58.47%
FCF(TTM)5.88
FCFY22.99%
OCF(TTM)5.88
OCFY22.99%
SpS155.8
BVpS86.39
TBVpS86.39
PEG (NY)0.31
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
WACC9.14%
ROIC/WACC0.02
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 Y6.18%
EPS Next 2Y7.51%
EPS Next 3Y7.45%
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-19.02%
Revenue Next 2Y-8.02%
Revenue Next 3Y-4.23%
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%