PRUDENTIAL FINANCIAL INC - PRU 5 5/8 08/15/58 (PRS) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:PRS - US7443208050
23.98 USD
+0.16 (+0.67%)
PRS gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 148 industry peers in the Insurance industry. PRS has a bad profitability rating. Also its financial health evaluation is rather negative. PRS is valued quite cheap, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year PRS was profitable.
In the past year PRS had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: PRS reported negative net income in multiple years.
PRS had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
PRS has a worse Return On Assets (0.33%) than 80.41% of its industry peers.
The Return On Equity of PRS (8.05%) is worse than 62.84% of its industry peers.
PRS's Return On Invested Capital of 0.28% is on the low side compared to the rest of the industry. PRS is outperformed by 70.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.33% | ||
| ROE | 8.05% | ||
| ROIC | 0.28% |
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%, PRS is doing worse than 66.22% of the companies in the same industry.
In the last couple of years the Profit Margin of PRS has declined.
Looking at the Operating Margin, with a value of 4.87%, PRS is doing worse than 77.70% of the companies in the same industry.
PRS's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 4.87% | ||
| PM (TTM) | 4.83% | ||
| GM | N/A |
OM growth 3Y-39.41%
OM growth 5Y-14.76%
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), PRS is destroying value.
Compared to 1 year ago, PRS has less shares outstanding
Compared to 5 years ago, PRS has less shares outstanding
The debt/assets ratio for PRS is higher compared to a year ago.
2.2 Solvency
PRS has a debt to FCF ratio of 4.18. This is a neutral value as PRS would need 4.18 years to pay back of all of its debts.
PRS has a worse Debt to FCF ratio (4.18) than 60.14% of its industry peers.
PRS has a Debt/Equity ratio of 0.67. This is a neutral value indicating PRS is somewhat dependend on debt financing.
PRS has a Debt to Equity ratio of 0.67. This is amonst the worse of the industry: PRS underperforms 81.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.67 | ||
| Debt/FCF | 4.18 | ||
| Altman-Z | N/A |
ROIC/WACC0.03
WACC9.32%
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, PRS shows a small growth in Earnings Per Share. The EPS has been growing by 2.07% on average per year.
PRS shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -24.65%.
PRS 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
The Earnings Per Share is expected to grow by 0.81% on average over the next years.
PRS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.18% yearly.
EPS Next Y13.41%
EPS Next 2Y7.94%
EPS Next 3Y7.46%
EPS Next 5Y0.81%
Revenue Next Year-17.44%
Revenue Next 2Y-7.87%
Revenue Next 3Y-3.83%
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.
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 1.70 indicates a rather cheap valuation of PRS.
Based on the Price/Earnings ratio, PRS is valued cheaply inside the industry as 93.24% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.60. PRS is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 1.59, which indicates a rather cheap valuation of PRS.
93.24% of the companies in the same industry are more expensive than PRS, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of PRS to the average of the S&P500 Index (23.23), we can say PRS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.7 | ||
| Fwd PE | 1.59 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PRS is valued cheaper than 83.78% of the companies in the same industry.
PRS's Price/Free Cash Flow ratio is rather cheap when compared to the industry. PRS is cheaper than 89.86% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.59 | ||
| EV/EBITDA | 4.27 |
4.3 Compensation for Growth
PRS's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.13
PEG (5Y)0.82
EPS Next 2Y7.94%
EPS Next 3Y7.46%
5. Dividend
5.1 Amount
PRS has a Yearly Dividend Yield of 4.78%, which is a nice return.
PRS's Dividend Yield is rather good when compared to the industry average which is at 2.48. PRS pays more dividend than 83.78% of the companies in the same industry.
PRS's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.78% |
5.2 History
The dividend of PRS has a limited annual growth rate of 5.51%.
PRS has been paying a dividend for over 5 years, so it has already some track record.
PRS has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)5.51%
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
PRS pays out 74.23% of its income as dividend. This is not a sustainable payout ratio.
PRS's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP74.23%
EPS Next 2Y7.94%
EPS Next 3Y7.46%
PRUDENTIAL FINANCIAL INC - PRU 5 5/8 08/15/58
NYSE:PRS (1/2/2026, 8:04:00 PM)
23.98
+0.16 (+0.67%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners61.95%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap8.39B
Revenue(TTM)53.54B
Net Income(TTM)2.58B
Analysts66.67
Price Target25.07 (4.55%)
Short Float %0.06%
Short Ratio5.54
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.78% |
Yearly Dividend5.3
Dividend Growth(5Y)5.51%
DP74.23%
Div Incr Years0
Div Non Decr Years4
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)-6.96%
PT rev (3m)-10.21%
EPS NQ rev (1m)-0.67%
EPS NQ rev (3m)0.52%
EPS NY rev (1m)-0.04%
EPS NY rev (3m)5.35%
Revenue NQ rev (1m)1.45%
Revenue NQ rev (3m)-1.1%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)1.31%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.7 | ||
| Fwd PE | 1.59 | ||
| P/S | 0.16 | ||
| P/FCF | 1.59 | ||
| P/OCF | 1.59 | ||
| P/B | 0.26 | ||
| P/tB | 0.26 | ||
| EV/EBITDA | 4.27 |
EPS(TTM)14.09
EY58.76%
EPS(NY)15.09
Fwd EY62.92%
FCF(TTM)15.07
FCFY62.84%
OCF(TTM)15.07
OCFY62.84%
SpS152.97
BVpS91.7
TBVpS91.7
PEG (NY)0.13
PEG (5Y)0.82
Graham Number170.5
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.33% | ||
| ROE | 8.05% | ||
| ROCE | 0.34% | ||
| ROIC | 0.28% | ||
| ROICexc | 0.28% | ||
| ROICexgc | 0.43% | ||
| OM | 4.87% | ||
| 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-34%
ROICexgc growth 5Y-12.49%
ROICexc growth 3Y-35.91%
ROICexc growth 5Y-11.25%
OM growth 3Y-39.41%
OM growth 5Y-14.76%
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 | 7.6 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 186.03% | ||
| Profit Quality | 204.1% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC9.32%
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)12.09%
EPS 3Y-4.48%
EPS 5Y2.07%
EPS Q2Q%22.41%
EPS Next Y13.41%
EPS Next 2Y7.94%
EPS Next 3Y7.46%
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-17.44%
Revenue Next 2Y-7.87%
Revenue Next 3Y-3.83%
Revenue Next 5Y0.18%
EBIT growth 1Y-49.87%
EBIT growth 3Y-40.75%
EBIT growth 5Y-14.45%
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 5/8 08/15/58 / PRS FAQ
What is the ChartMill fundamental rating of PRUDENTIAL FINANCIAL INC - PRU 5 5/8 08/15/58 (PRS) stock?
ChartMill assigns a fundamental rating of 3 / 10 to PRS.
What is the valuation status for PRS stock?
ChartMill assigns a valuation rating of 8 / 10 to PRUDENTIAL FINANCIAL INC - PRU 5 5/8 08/15/58 (PRS). This can be considered as Undervalued.
What is the profitability of PRS stock?
PRUDENTIAL FINANCIAL INC - PRU 5 5/8 08/15/58 (PRS) has a profitability rating of 2 / 10.
What is the financial health of PRUDENTIAL FINANCIAL INC - PRU 5 5/8 08/15/58 (PRS) stock?
The financial health rating of PRUDENTIAL FINANCIAL INC - PRU 5 5/8 08/15/58 (PRS) is 1 / 10.
What is the earnings growth outlook for PRUDENTIAL FINANCIAL INC - PRU 5 5/8 08/15/58?
The Earnings per Share (EPS) of PRUDENTIAL FINANCIAL INC - PRU 5 5/8 08/15/58 (PRS) is expected to grow by 13.41% in the next year.