PRUDENTIAL FINANCIAL INC - PRU 5 5/8 08/15/58 (PRS) Stock Fundamental Analysis

NYSE:PRS • US7443208050

24.1 USD
+0.1 (+0.42%)
Last: Feb 17, 2026, 08:04 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall PRS gets a fundamental rating of 3 out of 10. We evaluated PRS against 149 industry peers in the Insurance industry. PRS has a bad profitability rating. Also its financial health evaluation is rather negative. PRS has a bad growth rate and is valued cheaply.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • In the past year PRS was profitable.
  • PRS had a positive operating cash flow in the past year.
  • In multiple years PRS reported negative net income over the last 5 years.
  • Of the past 5 years PRS 4 years had a positive operating cash flow.
PRS Yearly Net Income VS EBIT VS OCF VS FCFPRS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B 20B

1.2 Ratios

  • PRS has a worse Return On Assets (0.33%) than 79.19% of its industry peers.
  • PRS has a worse Return On Equity (8.05%) than 62.42% of its industry peers.
  • The Return On Invested Capital of PRS (0.27%) is worse than 69.13% of its industry peers.
Industry RankSector Rank
ROA 0.33%
ROE 8.05%
ROIC 0.27%
ROA(3y)0.15%
ROA(5y)0.27%
ROE(3y)4.35%
ROE(5y)5.32%
ROIC(3y)N/A
ROIC(5y)N/A
PRS Yearly ROA, ROE, ROICPRS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 4.89%, PRS is doing worse than 65.77% of the companies in the same industry.
  • PRS's Profit Margin has declined in the last couple of years.
  • PRS has a Operating Margin of 4.84%. This is in the lower half of the industry: PRS underperforms 77.18% of its industry peers.
  • In the last couple of years the Operating Margin of PRS has declined.
Industry RankSector Rank
OM 4.84%
PM (TTM) 4.89%
GM N/A
OM growth 3Y-40.52%
OM growth 5Y-15.72%
PM growth 3Y-32.17%
PM growth 5Y-9.58%
GM growth 3YN/A
GM growth 5YN/A
PRS Yearly Profit, Operating, Gross MarginsPRS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • PRS has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, PRS has less shares outstanding
  • PRS has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for PRS is higher compared to a year ago.
PRS Yearly Shares OutstandingPRS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M
PRS Yearly Total Debt VS Total AssetsPRS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200B 400B 600B 800B

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 Debt to FCF ratio (4.18) which is in line with 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 79.87% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.67
Debt/FCF 4.18
Altman-Z N/A
ROIC/WACC0.03
WACC9.08%
PRS Yearly LT Debt VS Equity VS FCFPRS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PRS Yearly Current Assets VS Current LiabilitesPRS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. Growth

3.1 Past

  • PRS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.43%, which is quite good.
  • The Earnings Per Share has been growing slightly by 6.96% on average over the past years.
EPS 1Y (TTM)11.43%
EPS 3Y15.11%
EPS 5Y6.96%
EPS Q2Q%11.49%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%11.62%

3.2 Future

  • PRS is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.50% yearly.
  • Based on estimates for the next years, PRS will show a small growth in Revenue. The Revenue will grow by 3.06% on average per year.
EPS Next Y4.46%
EPS Next 2Y5.1%
EPS Next 3Y5.44%
EPS Next 5Y5.5%
Revenue Next Year1.08%
Revenue Next 2Y2.43%
Revenue Next 3Y6.07%
Revenue Next 5Y3.06%

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.
PRS Yearly Revenue VS EstimatesPRS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 20B 40B 60B
PRS Yearly EPS VS EstimatesPRS Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5 10 15

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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 1.67, which indicates a rather cheap valuation of PRS.
  • PRS's Price/Earnings ratio is rather cheap when compared to the industry. PRS is cheaper than 93.96% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.16. PRS is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 1.60, the valuation of PRS can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of PRS indicates a rather cheap valuation: PRS is cheaper than 93.29% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of PRS to the average of the S&P500 Index (28.10), we can say PRS is valued rather cheaply.
Industry RankSector Rank
PE 1.67
Fwd PE 1.6
PRS Price Earnings VS Forward Price EarningsPRS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, PRS is valued cheaper than 83.22% 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 89.93% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.59
EV/EBITDA 4.34
PRS Per share dataPRS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

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)0.37
PEG (5Y)0.24
EPS Next 2Y5.1%
EPS Next 3Y5.44%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • PRS has a Yearly Dividend Yield of 5.94%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.68, PRS pays a better dividend. On top of this PRS pays more dividend than 83.22% of the companies listed in the same industry.
  • PRS's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 5.94%

5.2 History

  • The dividend of PRS has a limited annual growth rate of 5.50%.
  • 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)5.5%
Div Incr Years0
Div Non Decr Years4
PRS Yearly Dividends per sharePRS Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

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 around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP74.23%
EPS Next 2Y5.1%
EPS Next 3Y5.44%
PRS Yearly Income VS Free CF VS DividendPRS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B 20B
PRS Dividend Payout.PRS Dividend Payout, showing the Payout Ratio.PRS Dividend Payout.PayoutRetained Earnings

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PRUDENTIAL FINANCIAL INC - PRU 5 5/8 08/15/58

NYSE:PRS (2/17/2026, 8:04:00 PM)

24.1

+0.1 (+0.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-03
Earnings (Next)04-28
Inst Owners61.95%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap8.38B
Revenue(TTM)N/A
Net Income(TTM)2.58B
Analysts66.36
Price Target26.47 (9.83%)
Short Float %0.05%
Short Ratio4.99
Dividend
Industry RankSector Rank
Dividend Yield 5.94%
Yearly Dividend5.3
Dividend Growth(5Y)5.5%
DP74.23%
Div Incr Years0
Div Non Decr Years4
Ex-Date01-30
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)3.31%
PT rev (1m)5.56%
PT rev (3m)-2.52%
EPS NQ rev (1m)-0.03%
EPS NQ rev (3m)-0.4%
EPS NY rev (1m)-0.29%
EPS NY rev (3m)2.01%
Revenue NQ rev (1m)-0.01%
Revenue NQ rev (3m)-2.53%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)1.9%
Valuation
Industry RankSector Rank
PE 1.67
Fwd PE 1.6
P/S 0.16
P/FCF 1.59
P/OCF 1.59
P/B 0.26
P/tB 0.26
EV/EBITDA 4.34
EPS(TTM)14.43
EY59.88%
EPS(NY)15.07
Fwd EY62.55%
FCF(TTM)15.16
FCFY62.9%
OCF(TTM)15.16
OCFY62.9%
SpS151.77
BVpS92.25
TBVpS92.25
PEG (NY)0.37
PEG (5Y)0.24
Graham Number173.07
Profitability
Industry RankSector Rank
ROA 0.33%
ROE 8.05%
ROCE 0.33%
ROIC 0.27%
ROICexc 0.28%
ROICexgc 0.42%
OM 4.84%
PM (TTM) 4.89%
GM N/A
FCFM 9.99%
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-40.52%
OM growth 5Y-15.72%
PM growth 3Y-32.17%
PM growth 5Y-9.58%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 0.67
Debt/FCF 4.18
Debt/EBITDA 7.73
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 250
Cash Conversion 189.37%
Profit Quality 204.1%
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)11.43%
EPS 3Y15.11%
EPS 5Y6.96%
EPS Q2Q%11.49%
EPS Next Y4.46%
EPS Next 2Y5.1%
EPS Next 3Y5.44%
EPS Next 5Y5.5%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%11.62%
Revenue Next Year1.08%
Revenue Next 2Y2.43%
Revenue Next 3Y6.07%
Revenue Next 5Y3.06%
EBIT growth 1Y-49.18%
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 1 / 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 2 / 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 4.46% in the next year.