PRUDENTIAL FINANCIAL INC - PRU 5 5/8 08/15/58 (PRS) Stock Fundamental Analysis
USA - NYSE:PRS - US7443208050
25 USD
-0.08 (-0.32%)
Taking everything into account, PRS scores 3 out of 10 in our fundamental rating. PRS was compared to 146 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
In the past year PRS was profitable.
In the past year PRS had a positive cash flow from operations.
In multiple years PRS reported negative net income over the last 5 years.
Each year in the past 5 years PRS had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.21%, PRS is not doing good in the industry: 80.82% of the companies in the same industry are doing better.
With a Return On Equity value of 5.27%, PRS is not doing good in the industry: 71.23% of the companies in the same industry are doing better.
Looking at the Return On Invested Capital, with a value of 0.22%, PRS is doing worse than 67.12% of the companies in the same industry.
| 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
The Profit Margin of PRS (2.92%) is worse than 71.92% of its industry peers.
In the last couple of years the Profit Margin of PRS has declined.
The Operating Margin of PRS (3.74%) is worse than 78.77% 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.
The number of shares outstanding for PRS has been reduced compared to 1 year ago.
The number of shares outstanding for PRS has been reduced compared to 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 10.46, which is on the high side as it means it would take PRS, 10.46 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of PRS (10.46) is worse than 67.81% 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 Debt to Equity ratio of 0.68. This is amonst the worse of the industry: PRS underperforms 84.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.68 | ||
| Debt/FCF | 10.46 | ||
| Altman-Z | N/A |
ROIC/WACC0.02
WACC9.05%
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.
The Earnings Per Share has been growing slightly by 2.07% on average over the past years.
Looking at the last year, PRS shows a decrease in Revenue. The Revenue has decreased by -9.43% 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)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
PRS is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.81% yearly.
Based on estimates for the next years, PRS will show a small growth in Revenue. The Revenue will grow by 0.18% on average per year.
EPS Next Y7.64%
EPS Next 2Y7.35%
EPS Next 3Y7.34%
EPS Next 5Y0.81%
Revenue Next Year-19.2%
Revenue Next 2Y-7.81%
Revenue Next 3Y-3.79%
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
The Price/Earnings ratio is 1.88, which indicates a rather cheap valuation of PRS.
Based on the Price/Earnings ratio, PRS is valued cheaply inside the industry as 93.15% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of PRS to the average of the S&P500 Index (27.86), we can say PRS is valued rather cheaply.
PRS is valuated cheaply with a Price/Forward Earnings ratio of 1.68.
PRS's Price/Forward Earnings ratio is rather cheap when compared to the industry. PRS is cheaper than 93.15% of the companies in the same industry.
PRS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.29.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.88 | ||
| Fwd PE | 1.68 |
4.2 Price Multiples
PRS's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. PRS is cheaper than 76.03% of the companies in the same industry.
PRS's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. PRS is cheaper than 76.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.22 | ||
| EV/EBITDA | 5.6 |
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)0.25
PEG (5Y)0.91
EPS Next 2Y7.35%
EPS Next 3Y7.34%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.23%, PRS is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.60, PRS pays a better dividend. On top of this PRS pays more dividend than 82.19% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, PRS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.23% |
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 (10/2/2025, 8:04:00 PM)
25
-0.08 (-0.32%)
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 Cap8.80B
Analysts66.67
Price Target27.38 (9.52%)
Short Float %0.05%
Short Ratio5.91
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.23% |
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)2.09%
PT rev (3m)6.33%
EPS NQ rev (1m)0.02%
EPS NQ rev (3m)-0.4%
EPS NY rev (1m)-0.1%
EPS NY rev (3m)0.99%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.26%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.67%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.88 | ||
| Fwd PE | 1.68 | ||
| P/S | 0.16 | ||
| P/FCF | 4.22 | ||
| P/OCF | 4.22 | ||
| P/B | 0.29 | ||
| P/tB | 0.29 | ||
| EV/EBITDA | 5.6 |
EPS(TTM)13.31
EY53.24%
EPS(NY)14.92
Fwd EY59.7%
FCF(TTM)5.92
FCFY23.67%
OCF(TTM)5.92
OCFY23.67%
SpS156.68
BVpS86.88
TBVpS86.88
PEG (NY)0.25
PEG (5Y)0.91
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
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 Turnover0.07
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
WACC9.05%
ROIC/WACC0.02
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-19.2%
Revenue Next 2Y-7.81%
Revenue Next 3Y-3.79%
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%