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 145 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.
In the past 5 years PRH always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of PRH (0.31%) is worse than 73.10% of its industry peers.
With a Return On Equity value of 7.59%, PRH is not doing good in the industry: 60.69% of the companies in the same industry are doing better.
PRH has a worse Return On Invested Capital (0.31%) than 66.21% 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
PRH has a Profit Margin of 3.96%. This is in the lower half of the industry: PRH underperforms 65.52% of its industry peers.
PRH's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 4.78%, PRH is doing worse than 77.24% 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.
Compared to 1 year ago, PRH has less shares outstanding
Compared to 5 years ago, PRH has less shares outstanding
The debt/assets ratio for PRH is higher compared to a year ago.
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 worse Debt to FCF ratio (28.89) than 77.93% 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 has a worse Debt to Equity ratio (0.72) than 84.83% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.72 | ||
| Debt/FCF | 28.89 | ||
| Altman-Z | N/A |
ROIC/WACC0.03
WACC9.08%
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 8.61%, 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.
The Revenue has decreased by -0.67% in the past 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)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.
Based on estimates for the next years, PRH will show a decrease in Revenue. The Revenue will decrease by -1.53% on average per year.
EPS Next Y6.59%
EPS Next 2Y7.41%
EPS Next 3Y7.19%
EPS Next 5Y-0.51%
Revenue Next Year-18.65%
Revenue Next 2Y-7.56%
Revenue Next 3Y-2.7%
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
Based on the Price/Earnings ratio of 1.94, the valuation of PRH can be described as very cheap.
89.66% of the companies in the same industry are more expensive than PRH, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 27.30, PRH is valued rather cheaply.
PRH is valuated cheaply with a Price/Forward Earnings ratio of 1.71.
PRH's Price/Forward Earnings ratio is rather cheap when compared to the industry. PRH is cheaper than 90.34% 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 | 1.94 | ||
| Fwd PE | 1.71 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PRH is valued a bit cheaper than 80.00% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of PRH is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.65 | ||
| EV/EBITDA | 4.76 |
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)0.94
EPS Next 2Y7.41%
EPS Next 3Y7.19%
5. Dividend
5.1 Amount
PRH has a Yearly Dividend Yield of 5.04%, which is a nice return.
Compared to an average industry Dividend Yield of 3.64, PRH pays a better dividend. On top of this PRH pays more dividend than 83.45% 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 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.04% |
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 83.73% of its income as dividend. 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 2Y7.41%
EPS Next 3Y7.19%
PRUDENTIAL FINANCIAL INC - PRU 5.95 09/01/62
NYSE:PRH (7/11/2025, 8:04:00 PM)
25.51
-0.05 (-0.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners61.13%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap9.03B
Analysts66.67
Price Target27.59 (8.15%)
Short Float %0.04%
Short Ratio6
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.04% |
Yearly Dividend5.3
Dividend Growth(5Y)5.51%
DP83.73%
Div Incr Years0
Div Non Decr Years0
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)0.75%
PT rev (3m)-2.62%
EPS NQ rev (1m)-0.36%
EPS NQ rev (3m)-5.92%
EPS NY rev (1m)0.09%
EPS NY rev (3m)-4.02%
Revenue NQ rev (1m)0.27%
Revenue NQ rev (3m)-2.61%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-5.6%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.94 | ||
| Fwd PE | 1.71 | ||
| P/S | 0.16 | ||
| P/FCF | 11.65 | ||
| P/OCF | 11.65 | ||
| P/B | 0.3 | ||
| P/tB | 0.3 | ||
| EV/EBITDA | 4.76 |
EPS(TTM)13.12
EY51.43%
EPS(NY)14.94
Fwd EY58.57%
FCF(TTM)2.19
FCFY8.58%
OCF(TTM)2.19
OCFY8.58%
SpS161.84
BVpS84.42
TBVpS84.42
PEG (NY)0.29
PEG (5Y)0.94
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
WACC9.08%
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 Y6.59%
EPS Next 2Y7.41%
EPS Next 3Y7.19%
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-18.65%
Revenue Next 2Y-7.56%
Revenue Next 3Y-2.7%
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%