PRUDENTIAL FINANCIAL INC - PRU 5 5/8 08/15/58 (PRS) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:PRS - US7443208050
24.08 USD
+0.05 (+0.21%)
PRS gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 147 industry peers in the Insurance industry. PRS may be in some trouble as it scores bad on both profitability and health. PRS is cheap, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
PRS had positive earnings in the past year.
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.
Each year in the past 5 years PRS had a positive operating cash flow.
1.2 Ratios
PRS has a worse Return On Assets (0.33%) than 83.67% of its industry peers.
Looking at the Return On Equity, with a value of 8.05%, PRS is doing worse than 65.31% of the companies in the same industry.
PRS has a Return On Invested Capital of 0.28%. This is in the lower half of the industry: PRS underperforms 71.43% 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
With a Profit Margin value of 4.83%, PRS is not doing good in the industry: 69.39% of the companies in the same industry are doing better.
PRS's Profit Margin has declined in the last couple of years.
With a Operating Margin value of 4.87%, PRS is not doing good in the industry: 79.59% of the companies in the same industry are doing better.
In the last couple of years the Operating Margin of PRS has declined.
| 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PRS is destroying value.
The number of shares outstanding for PRS has been reduced compared to 1 year ago.
PRS has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, PRS has a worse debt to assets ratio.
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's Debt to FCF ratio of 4.18 is on the low side compared to the rest of the industry. PRS is outperformed by 60.54% 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.
Looking at the Debt to Equity ratio, with a value of 0.67, PRS is doing worse than 82.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.67 | ||
| Debt/FCF | 4.18 | ||
| Altman-Z | N/A |
ROIC/WACC0.03
WACC8.79%
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.
Looking at the last year, PRS shows a very negative growth in Revenue. The Revenue has decreased by -24.65% in the last year.
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
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 Y13.45%
EPS Next 2Y7.95%
EPS Next 3Y7.47%
EPS Next 5Y0.81%
Revenue Next Year-17.41%
Revenue Next 2Y-8.39%
Revenue Next 3Y-4.35%
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.
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
PRS is valuated cheaply with a Price/Earnings ratio of 1.71.
PRS's Price/Earnings ratio is rather cheap when compared to the industry. PRS is cheaper than 92.52% of the companies in the same industry.
PRS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.59.
The Price/Forward Earnings ratio is 1.60, which indicates a rather cheap valuation of PRS.
Based on the Price/Forward Earnings ratio, PRS is valued cheaply inside the industry as 93.20% of the companies are valued more expensively.
PRS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.80.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.71 | ||
| Fwd PE | 1.6 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of PRS indicates a rather cheap valuation: PRS is cheaper than 81.63% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, PRS is valued cheaply inside the industry as 89.80% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.6 | ||
| 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)0.83
EPS Next 2Y7.95%
EPS Next 3Y7.47%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.90%, PRS is a good candidate for dividend investing.
PRS's Dividend Yield is rather good when compared to the industry average which is at 3.48. PRS pays more dividend than 85.03% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.31, PRS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.9% |
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
74.23% of the earnings are spent on dividend by PRS. This is not a sustainable payout ratio.
The dividend of PRS is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP74.23%
EPS Next 2Y7.95%
EPS Next 3Y7.47%
PRUDENTIAL FINANCIAL INC - PRU 5 5/8 08/15/58
NYSE:PRS (12/10/2025, 8:13:14 PM)
24.08
+0.05 (+0.21%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners61.87%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap8.43B
Revenue(TTM)53.54B
Net Income(TTM)2.58B
Analysts66.67
Price Target25.95 (7.77%)
Short Float %0.07%
Short Ratio7.21
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.9% |
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)-11.48%
PT rev (3m)-3.25%
EPS NQ rev (1m)0.43%
EPS NQ rev (3m)0.85%
EPS NY rev (1m)2.34%
EPS NY rev (3m)5.29%
Revenue NQ rev (1m)-3.12%
Revenue NQ rev (3m)-0.09%
Revenue NY rev (1m)1.55%
Revenue NY rev (3m)2.21%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.71 | ||
| Fwd PE | 1.6 | ||
| P/S | 0.16 | ||
| P/FCF | 1.6 | ||
| P/OCF | 1.6 | ||
| P/B | 0.26 | ||
| P/tB | 0.26 | ||
| EV/EBITDA | 4.27 |
EPS(TTM)14.09
EY58.51%
EPS(NY)15.09
Fwd EY62.67%
FCF(TTM)15.07
FCFY62.58%
OCF(TTM)15.07
OCFY62.58%
SpS152.97
BVpS91.7
TBVpS91.7
PEG (NY)0.13
PEG (5Y)0.83
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
WACC8.79%
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 Y13.45%
EPS Next 2Y7.95%
EPS Next 3Y7.47%
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-17.41%
Revenue Next 2Y-8.39%
Revenue Next 3Y-4.35%
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 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 13.45% in the next year.