PRUDENTIAL FINANCIAL INC - PRU 5 5/8 08/15/58 (PRS) Stock Fundamental Analysis
USA - NYSE:PRS - US7443208050
23.91 USD
-0.04 (-0.17%)
Taking everything into account, PRS scores 3 out of 10 in our fundamental rating. PRS was compared to 147 industry peers in the Insurance industry. PRS may be in some trouble as it scores bad on both profitability and health. 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.
In the past 5 years PRS always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.33%, PRS is doing worse than 76.87% of the companies in the same industry.
With a Return On Equity value of 8.05%, PRS is not doing good in the industry: 63.95% of the companies in the same industry are doing better.
The Return On Invested Capital of PRS (0.35%) is worse than 69.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.33% | ||
| ROE | 8.05% | ||
| ROIC | 0.35% |
ROA(3y)0.15%
ROA(5y)0.27%
ROE(3y)4.35%
ROE(5y)5.32%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of PRS (4.83%) is worse than 66.67% of its industry peers.
PRS's Profit Margin has declined in the last couple of years.
With a Operating Margin value of 6.15%, PRS is not doing good in the industry: 71.43% of the companies in the same industry are doing better.
PRS's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.15% | ||
| PM (TTM) | 4.83% | ||
| 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.
The number of shares outstanding for PRS has been reduced compared to 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
The Debt to FCF ratio of PRS is 4.18, which is a neutral value as it means it would take PRS, 4.18 years of fcf income to pay off all of its debts.
PRS has a Debt to FCF ratio of 4.18. This is comparable to the rest of the industry: PRS outperforms 42.18% 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.
The Debt to Equity ratio of PRS (0.67) is worse than 83.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.67 | ||
| Debt/FCF | 4.18 | ||
| Altman-Z | N/A |
ROIC/WACC0.04
WACC8.82%
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.
The Earnings Per Share has been growing slightly by 2.07% on average over the past years.
PRS shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -24.65%.
Measured over the past years, PRS shows a small growth in Revenue. The Revenue has been growing by 0.36% on average per year.
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
PRS is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.81% yearly.
The Revenue is expected to grow by 0.18% on average over the next years.
EPS Next Y10.85%
EPS Next 2Y7.76%
EPS Next 3Y7.38%
EPS Next 5Y0.81%
Revenue Next Year-18.67%
Revenue Next 2Y-8.1%
Revenue Next 3Y-4.12%
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
With a Price/Earnings ratio of 1.70, the valuation of PRS can be described as very cheap.
PRS's Price/Earnings ratio is rather cheap when compared to the industry. PRS is cheaper than 91.84% of the companies in the same industry.
When comparing the Price/Earnings ratio of PRS to the average of the S&P500 Index (25.51), we can say PRS is valued rather cheaply.
PRS is valuated cheaply with a Price/Forward Earnings ratio of 1.59.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PRS indicates a rather cheap valuation: PRS is cheaper than 93.20% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.98. PRS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.7 | ||
| Fwd PE | 1.59 |
4.2 Price Multiples
PRS's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. PRS is cheaper than 85.03% of the companies 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 | 3.45 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.16
PEG (5Y)0.82
EPS Next 2Y7.76%
EPS Next 3Y7.38%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.01%, PRS is a good candidate for dividend investing.
PRS's Dividend Yield is rather good when compared to the industry average which is at 3.52. PRS pays more dividend than 85.03% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, PRS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.01% |
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 2Y7.76%
EPS Next 3Y7.38%
PRUDENTIAL FINANCIAL INC - PRU 5 5/8 08/15/58
NYSE:PRS (11/18/2025, 7:02:01 PM)
23.91
-0.04 (-0.17%)
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 Cap8.42B
Revenue(TTM)53.54B
Net Income(TTM)2.58B
Analysts66.67
Price Target27.15 (13.55%)
Short Float %0.07%
Short Ratio7.89
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.01% |
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)-2.77%
PT rev (3m)-2.24%
EPS NQ rev (1m)0.7%
EPS NQ rev (3m)0.53%
EPS NY rev (1m)2.97%
EPS NY rev (3m)4.4%
Revenue NQ rev (1m)0.41%
Revenue NQ rev (3m)3.12%
Revenue NY rev (1m)-0.21%
Revenue NY rev (3m)0.43%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.7 | ||
| Fwd PE | 1.59 | ||
| P/S | 0.16 | ||
| P/FCF | 1.6 | ||
| P/OCF | 1.6 | ||
| P/B | 0.26 | ||
| P/tB | 0.26 | ||
| EV/EBITDA | 3.45 |
EPS(TTM)14.09
EY58.93%
EPS(NY)15.04
Fwd EY62.9%
FCF(TTM)14.98
FCFY62.66%
OCF(TTM)14.98
OCFY62.66%
SpS152.1
BVpS91.18
TBVpS91.18
PEG (NY)0.16
PEG (5Y)0.82
Graham Number170.02
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.33% | ||
| ROE | 8.05% | ||
| ROCE | 0.43% | ||
| ROIC | 0.35% | ||
| ROICexc | 0.36% | ||
| ROICexgc | 0.55% | ||
| OM | 6.15% | ||
| 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-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 | 0.67 | ||
| Debt/FCF | 4.18 | ||
| Debt/EBITDA | 6.11 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 149.7% | ||
| Profit Quality | 204.1% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC8.82%
ROIC/WACC0.04
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 Y10.85%
EPS Next 2Y7.76%
EPS Next 3Y7.38%
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-18.67%
Revenue Next 2Y-8.1%
Revenue Next 3Y-4.12%
Revenue Next 5Y0.18%
EBIT growth 1Y-36.64%
EBIT growth 3Y-35.38%
EBIT growth 5Y-9.89%
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 2 / 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 10.85% in the next year.