PRUDENTIAL FINANCIAL INC - PRU 5 5/8 08/15/58 (PRS) Stock Fundamental Analysis
USA - NYSE:PRS - US7443208050
24.88 USD
0 (0%)
PRS gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 147 industry peers in the Insurance industry. PRS has a bad profitability rating. Also its financial health evaluation is rather negative. PRS is cheap, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year PRS was profitable.
PRS had a positive operating cash flow in the past year.
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
Looking at the Return On Assets, with a value of 0.21%, PRS is doing worse than 82.31% of the companies in the same industry.
PRS has a Return On Equity of 5.27%. This is in the lower half of the industry: PRS underperforms 70.75% of its industry peers.
PRS has a Return On Invested Capital of 0.22%. This is in the lower half of the industry: PRS underperforms 68.71% 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%, PRS is not doing good in the industry: 72.79% of the companies in the same industry are doing better.
PRS's Profit Margin has declined in the last couple of years.
PRS has a worse Operating Margin (3.74%) than 79.59% of its industry peers.
In the last couple of years the Operating Margin of PRS 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 PRS is destroying value.
PRS has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, PRS has less shares outstanding
PRS has a worse debt/assets ratio than last year.
2.2 Solvency
PRS has a debt to FCF ratio of 10.46. This is a negative value and a sign of low solvency as PRS would need 10.46 years to pay back of all of its debts.
PRS has a worse Debt to FCF ratio (10.46) than 65.99% of its industry peers.
PRS has a Debt/Equity ratio of 0.68. This is a neutral value indicating PRS is somewhat dependend on debt financing.
PRS has a worse Debt to Equity ratio (0.68) than 83.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.68 | ||
| Debt/FCF | 10.46 | ||
| Altman-Z | N/A |
ROIC/WACC0.03
WACC8.95%
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 been growing slightly by 6.23% over the past year.
PRS shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.07% yearly.
PRS shows a decrease in Revenue. In the last year, the revenue decreased by -9.43%.
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
Based on estimates for the next years, PRS will show a small growth in Earnings Per Share. The EPS will grow by 0.81% on average per year.
PRS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.18% yearly.
EPS Next Y7.64%
EPS Next 2Y7.35%
EPS Next 3Y7.34%
EPS Next 5Y0.81%
Revenue Next Year-18.5%
Revenue Next 2Y-7.51%
Revenue Next 3Y-3.69%
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 1.87 indicates a rather cheap valuation of PRS.
91.84% of the companies in the same industry are more expensive than PRS, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.83. PRS is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 1.67 indicates a rather cheap valuation of PRS.
PRS's Price/Forward Earnings ratio is rather cheap when compared to the industry. PRS is cheaper than 93.20% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.82. PRS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.87 | ||
| Fwd PE | 1.67 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of PRS indicates a somewhat cheap valuation: PRS is cheaper than 76.19% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, PRS is valued a bit cheaper than the industry average as 76.19% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.2 | ||
| EV/EBITDA | 5.58 |
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)0.24
PEG (5Y)0.9
EPS Next 2Y7.35%
EPS Next 3Y7.34%
5. Dividend
5.1 Amount
PRS has a Yearly Dividend Yield of 5.41%, which is a nice return.
Compared to an average industry Dividend Yield of 3.30, PRS pays a better dividend. On top of this PRS pays more dividend than 88.44% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.34, PRS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.41% |
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
118.44% of the earnings are spent on dividend by PRS. This is not a sustainable payout ratio.
PRS's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP118.44%
EPS Next 2Y7.35%
EPS Next 3Y7.34%
PRUDENTIAL FINANCIAL INC - PRU 5 5/8 08/15/58
NYSE:PRS (10/23/2025, 8:26:03 PM)
24.88
0 (0%)
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 Cap8.76B
Revenue(TTM)55.15B
Net Income(TTM)1.61B
Analysts66.67
Price Target27.92 (12.22%)
Short Float %0.05%
Short Ratio5.91
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.41% |
Yearly Dividend5.3
Dividend Growth(5Y)5.51%
DP118.44%
Div Incr Years0
Div Non Decr Years4
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)1.98%
PT rev (3m)2.83%
EPS NQ rev (1m)-0.55%
EPS NQ rev (3m)-0.55%
EPS NY rev (1m)-0.1%
EPS NY rev (3m)1.38%
Revenue NQ rev (1m)2.21%
Revenue NQ rev (3m)-0.18%
Revenue NY rev (1m)0.87%
Revenue NY rev (3m)-0.77%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.87 | ||
| Fwd PE | 1.67 | ||
| P/S | 0.16 | ||
| P/FCF | 4.2 | ||
| P/OCF | 4.2 | ||
| P/B | 0.29 | ||
| P/tB | 0.29 | ||
| EV/EBITDA | 5.58 |
EPS(TTM)13.31
EY53.5%
EPS(NY)14.92
Fwd EY59.99%
FCF(TTM)5.92
FCFY23.78%
OCF(TTM)5.92
OCFY23.78%
SpS156.68
BVpS86.88
TBVpS86.88
PEG (NY)0.24
PEG (5Y)0.9
Graham Number161.3
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
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 | 0.68 | ||
| 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
WACC8.95%
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)6.23%
EPS 3Y-4.48%
EPS 5Y2.07%
EPS Q2Q%5.6%
EPS Next Y7.64%
EPS Next 2Y7.35%
EPS Next 3Y7.34%
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-18.5%
Revenue Next 2Y-7.51%
Revenue Next 3Y-3.69%
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%
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 of PRUDENTIAL FINANCIAL INC - PRU 5 5/8 08/15/58 (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.
How financially healthy is PRUDENTIAL FINANCIAL INC - PRU 5 5/8 08/15/58?
The financial health rating of PRUDENTIAL FINANCIAL INC - PRU 5 5/8 08/15/58 (PRS) is 1 / 10.
What is the expected EPS growth for PRUDENTIAL FINANCIAL INC - PRU 5 5/8 08/15/58 (PRS) stock?
The Earnings per Share (EPS) of PRUDENTIAL FINANCIAL INC - PRU 5 5/8 08/15/58 (PRS) is expected to grow by 7.64% in the next year.