PRUDENTIAL FINANCIAL INC - PRU 5 5/8 08/15/58 (PRS) Stock Fundamental Analysis
NYSE:PRS - New York Stock Exchange, Inc. - US7443208050 - Currency: USD
Overall PRS gets a fundamental rating of 3 out of 10. We evaluated PRS against 143 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.
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.
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 0.31%, PRS is doing worse than 72.73% of the companies in the same industry.
PRS has a worse Return On Equity (7.59%) than 62.94% of its industry peers.
PRS has a worse Return On Invested Capital (0.31%) than 65.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.31% | ||
| ROE | 7.59% | ||
| ROIC | 0.31% |
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 (3.96%) is worse than 63.64% of its industry peers.
In the last couple of years the Profit Margin of PRS has declined.
PRS's Operating Margin of 4.78% is on the low side compared to the rest of the industry. PRS is outperformed by 75.52% of its industry peers.
In the last couple of years the Operating Margin of PRS has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 4.78% | ||
| PM (TTM) | 3.96% | ||
| 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.
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
The Debt to FCF ratio of PRS is 28.89, which is on the high side as it means it would take PRS, 28.89 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of PRS (28.89) is worse than 74.83% of its industry peers.
A Debt/Equity ratio of 0.72 indicates that PRS is somewhat dependend on debt financing.
The Debt to Equity ratio of PRS (0.72) is worse than 83.92% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.72 | ||
| Debt/FCF | 28.89 | ||
| Altman-Z | N/A |
ROIC/WACC0.04
WACC8.63%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
PRS shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.23%.
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 strong growth in Revenue. In the last year, the Revenue has grown by 22.85%.
PRS shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.36% yearly.
EPS 1Y (TTM)6.23%
EPS 3Y-4.48%
EPS 5Y2.07%
EPS Q2Q%5.6%
Revenue 1Y (TTM)22.85%
Revenue growth 3Y-2.22%
Revenue growth 5Y0.36%
Sales Q2Q%-2.42%
3.2 Future
PRS is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.51% yearly.
PRS is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -1.53% yearly.
EPS Next Y6.18%
EPS Next 2Y7.51%
EPS Next 3Y7.45%
EPS Next 5Y-0.51%
Revenue Next Year-19.02%
Revenue Next 2Y-8.02%
Revenue Next 3Y-4.23%
Revenue Next 5Y-1.53%
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
With a Price/Earnings ratio of 1.81, the valuation of PRS can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of PRS indicates a rather cheap valuation: PRS is cheaper than 92.31% of the companies listed in the same industry.
PRS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.03.
The Price/Forward Earnings ratio is 1.61, which indicates a rather cheap valuation of PRS.
Based on the Price/Forward Earnings ratio, PRS is valued cheaply inside the industry as 92.31% of the companies are valued more expensively.
PRS is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.28, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.81 | ||
| Fwd PE | 1.61 |
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 80.42% of the companies listed in the same industry.
PRS's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.03 | ||
| EV/EBITDA | 4.6 |
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)0.29
PEG (5Y)0.88
EPS Next 2Y7.51%
EPS Next 3Y7.45%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.31%, PRS is a good candidate for dividend investing.
PRS's Dividend Yield is rather good when compared to the industry average which is at 3.38. PRS pays more dividend than 86.71% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.40, PRS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.31% |
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 83.73% of its income as dividend. This is not a sustainable payout ratio.
PRS's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP83.73%
EPS Next 2Y7.51%
EPS Next 3Y7.45%
PRUDENTIAL FINANCIAL INC - PRU 5 5/8 08/15/58
NYSE:PRS (8/6/2025, 12:18:28 PM)
24.1483
-0.07 (-0.3%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners61.13%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap8.55B
Analysts66.67
Price Target27.77 (15%)
Short Float %0.07%
Short Ratio6.52
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.31% |
Yearly Dividend5.3
Dividend Growth(5Y)5.51%
DP83.73%
Div Incr Years0
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-3.67%
Min EPS beat(2)-9.72%
Max EPS beat(2)2.38%
EPS beat(4)1
Avg EPS beat(4)-2.76%
Min EPS beat(4)-9.72%
Max EPS beat(4)2.38%
EPS beat(8)2
Avg EPS beat(8)-1.11%
EPS beat(12)3
Avg EPS beat(12)-3.75%
EPS beat(16)7
Avg EPS beat(16)3.89%
Revenue beat(2)0
Avg Revenue beat(2)-9.7%
Min Revenue beat(2)-12.43%
Max Revenue beat(2)-6.96%
Revenue beat(4)2
Avg Revenue beat(4)2.85%
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)5.78%
Revenue beat(16)8
Avg Revenue beat(16)9.23%
PT rev (1m)5.45%
PT rev (3m)3.3%
EPS NQ rev (1m)-5.57%
EPS NQ rev (3m)-7.28%
EPS NY rev (1m)-0.39%
EPS NY rev (3m)-1.13%
Revenue NQ rev (1m)-2.58%
Revenue NQ rev (3m)-1.78%
Revenue NY rev (1m)-0.45%
Revenue NY rev (3m)-3.22%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.81 | ||
| Fwd PE | 1.61 | ||
| P/S | 0.15 | ||
| P/FCF | 11.03 | ||
| P/OCF | 11.03 | ||
| P/B | 0.29 | ||
| P/tB | 0.29 | ||
| EV/EBITDA | 4.6 |
EPS(TTM)13.31
EY55.12%
EPS(NY)14.97
Fwd EY61.99%
FCF(TTM)2.19
FCFY9.07%
OCF(TTM)2.19
OCFY9.07%
SpS161.84
BVpS84.42
TBVpS84.42
PEG (NY)0.29
PEG (5Y)0.88
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.31% | ||
| ROE | 7.59% | ||
| ROCE | 0.37% | ||
| ROIC | 0.31% | ||
| ROICexc | 0.31% | ||
| ROICexgc | 0.48% | ||
| OM | 4.78% | ||
| PM (TTM) | 3.96% | ||
| GM | N/A | ||
| FCFM | 1.35% |
ROA(3y)0.15%
ROA(5y)0.27%
ROE(3y)4.35%
ROE(5y)5.32%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3Y-28.02%
ROICexcg 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 Turnover0.08
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.72 | ||
| Debt/FCF | 28.89 | ||
| Debt/EBITDA | 6.89 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 24.82% | ||
| Profit Quality | 34.17% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC8.63%
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)6.23%
EPS 3Y-4.48%
EPS 5Y2.07%
EPS Q2Q%5.6%
EPS Next Y6.18%
EPS Next 2Y7.51%
EPS Next 3Y7.45%
EPS Next 5Y-0.51%
Revenue 1Y (TTM)22.85%
Revenue growth 3Y-2.22%
Revenue growth 5Y0.36%
Sales Q2Q%-2.42%
Revenue Next Year-19.02%
Revenue Next 2Y-8.02%
Revenue Next 3Y-4.23%
Revenue Next 5Y-1.53%
EBIT growth 1Y-1.9%
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-87.37%
FCF growth 3Y-4.66%
FCF growth 5Y-15.41%
OCF growth 1Y-87.37%
OCF growth 3Y-4.66%
OCF growth 5Y-15.41%