PRUDENTIAL PLC (PRU.DE) Fundamental Analysis & Valuation

FRA:PRU • GB0007099541

Current stock price

12.6 EUR
0 (0%)
Last:

This PRU.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. PRU.DE Profitability Analysis

1.1 Basic Checks

  • In the past year PRU was profitable.
  • In the past year PRU had a positive cash flow from operations.
  • The reported net income has been mixed in the past 5 years: PRU reported negative net income in multiple years.
  • PRU had a positive operating cash flow in 4 of the past 5 years.
PRU.DE Yearly Net Income VS EBIT VS OCF VS FCFPRU.DE 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 2B -2B 4B -4B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.73%, PRU is in the better half of the industry, outperforming 63.83% of the companies in the same industry.
  • PRU has a Return On Equity of 19.04%. This is in the better half of the industry: PRU outperforms 70.21% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 1.59%, PRU is in line with its industry, outperforming 59.57% of the companies in the same industry.
Industry RankSector Rank
ROA 1.73%
ROE 19.04%
ROIC 1.59%
ROA(3y)0.54%
ROA(5y)0.2%
ROE(3y)5.53%
ROE(5y)2.96%
ROIC(3y)N/A
ROIC(5y)N/A
PRU.DE Yearly ROA, ROE, ROICPRU.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10

1.3 Margins

  • PRU's Profit Margin of 26.45% is amongst the best of the industry. PRU outperforms 95.74% of its industry peers.
  • PRU's Profit Margin has improved in the last couple of years.
  • PRU has a Operating Margin of 28.82%. This is amongst the best in the industry. PRU outperforms 93.62% of its industry peers.
  • PRU's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 28.82%
PM (TTM) 26.45%
GM N/A
OM growth 3Y31.22%
OM growth 5Y57.97%
PM growth 3YN/A
PM growth 5Y87.31%
GM growth 3YN/A
GM growth 5YN/A
PRU.DE Yearly Profit, Operating, Gross MarginsPRU.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. PRU.DE Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PRU is destroying value.
  • Compared to 1 year ago, PRU has less shares outstanding
  • The number of shares outstanding for PRU has been increased compared to 5 years ago.
  • Compared to 1 year ago, PRU has an improved debt to assets ratio.
PRU.DE Yearly Shares OutstandingPRU.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B
PRU.DE Yearly Total Debt VS Total AssetsPRU.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B

2.2 Solvency

  • Based on the Altman-Z score of 0.25, we must say that PRU is in the distress zone and has some risk of bankruptcy.
  • With an excellent Altman-Z score value of 0.25, PRU belongs to the best of the industry, outperforming 85.11% of the companies in the same industry.
  • The Debt to FCF ratio of PRU is 2.56, which is a good value as it means it would take PRU, 2.56 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of PRU (2.56) is better than 61.70% of its industry peers.
  • A Debt/Equity ratio of 0.29 indicates that PRU is not too dependend on debt financing.
  • The Debt to Equity ratio of PRU (0.29) is better than 80.85% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 2.56
Altman-Z 0.25
ROIC/WACC0.2
WACC8.11%
PRU.DE Yearly LT Debt VS Equity VS FCFPRU.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B -5B 10B 15B 20B

2.3 Liquidity

  • PRU has a Current Ratio of 0.38. This is a bad value and indicates that PRU is not financially healthy enough and could expect problems in meeting its short term obligations.
  • With a decent Current ratio value of 0.38, PRU is doing good in the industry, outperforming 74.47% of the companies in the same industry.
  • PRU has a Quick Ratio of 0.38. This is a bad value and indicates that PRU is not financially healthy enough and could expect problems in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 0.38, PRU is in the better half of the industry, outperforming 74.47% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.38
Quick Ratio 0.38
PRU.DE Yearly Current Assets VS Current LiabilitesPRU.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

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

6

3. PRU.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 305.80% over the past year.
  • The earnings per share for PRU have been decreasing by -12.53% on average. This is quite bad
  • The Revenue has grown by 24.74% in the past year. This is a very strong growth!
  • The Revenue for PRU have been decreasing by -33.86% on average. This is quite bad
EPS 1Y (TTM)305.8%
EPS 3YN/A
EPS 5Y-12.53%
EPS Q2Q%12.33%
Revenue 1Y (TTM)24.74%
Revenue growth 3Y-23.5%
Revenue growth 5Y-33.86%
Sales Q2Q%22.88%

3.2 Future

  • Based on estimates for the next years, PRU will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.10% on average per year.
  • Based on estimates for the next years, PRU will show a very strong growth in Revenue. The Revenue will grow by 23.28% on average per year.
EPS Next Y20.04%
EPS Next 2Y15.71%
EPS Next 3Y15.54%
EPS Next 5Y15.1%
Revenue Next Year-40.35%
Revenue Next 2Y-19.72%
Revenue Next 3Y-11.25%
Revenue Next 5Y23.28%

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 accelerating.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
PRU.DE Yearly Revenue VS EstimatesPRU.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 20B 40B 60B 80B 100B
PRU.DE Yearly EPS VS EstimatesPRU.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 0.5 1 1.5 2

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4

4. PRU.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • PRU is valuated correctly with a Price/Earnings ratio of 16.15.
  • Compared to the rest of the industry, the Price/Earnings ratio of PRU indicates a slightly more expensive valuation: PRU is more expensive than 70.21% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.71, PRU is valued a bit cheaper.
  • A Price/Forward Earnings ratio of 12.05 indicates a correct valuation of PRU.
  • Based on the Price/Forward Earnings ratio, PRU is valued a bit more expensive than 65.96% of the companies in the same industry.
  • PRU is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.83, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 16.15
Fwd PE 12.05
PRU.DE Price Earnings VS Forward Price EarningsPRU.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, PRU is valued a bit cheaper than 61.70% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.76
EV/EBITDA N/A
PRU.DE Per share dataPRU.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

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.
  • PRU's earnings are expected to grow with 15.54% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.81
PEG (5Y)N/A
EPS Next 2Y15.71%
EPS Next 3Y15.54%

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

0

5. PRU.DE Dividend Analysis

5.1 Amount

  • PRU does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

PRU.DE Fundamentals: All Metrics, Ratios and Statistics

PRUDENTIAL PLC

FRA:PRU (3/13/2026, 7:00:00 PM)

12.6

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)N/A
Earnings (Next)03-17
Inst Owners64.09%
Inst Owner ChangeN/A
Ins Owners0.19%
Ins Owner ChangeN/A
Market Cap15.89B
Revenue(TTM)13.04B
Net Income(TTM)3.45B
Analysts85.83
Price Target15.73 (24.84%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0.18
Dividend Growth(5Y)-20.17%
DP17.05%
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)2.51%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-2.24%
EPS NY rev (3m)-2.67%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.08%
Revenue NY rev (3m)0.08%
Valuation
Industry RankSector Rank
PE 16.15
Fwd PE 12.05
P/S 1.4
P/FCF 8.76
P/OCF 8.28
P/B 1.01
P/tB 1.37
EV/EBITDA N/A
EPS(TTM)0.78
EY6.19%
EPS(NY)1.05
Fwd EY8.3%
FCF(TTM)1.44
FCFY11.41%
OCF(TTM)1.52
OCFY12.08%
SpS9.01
BVpS12.52
TBVpS9.18
PEG (NY)0.81
PEG (5Y)N/A
Graham Number14.82
Profitability
Industry RankSector Rank
ROA 1.73%
ROE 19.04%
ROCE 1.95%
ROIC 1.59%
ROICexc 1.63%
ROICexgc 1.73%
OM 28.82%
PM (TTM) 26.45%
GM N/A
FCFM 15.97%
ROA(3y)0.54%
ROA(5y)0.2%
ROE(3y)5.53%
ROE(5y)2.96%
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-3.09%
ROICexgc growth 5Y24.35%
ROICexc growth 3Y2.96%
ROICexc growth 5Y25.51%
OM growth 3Y31.22%
OM growth 5Y57.97%
PM growth 3YN/A
PM growth 5Y87.31%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 2.56
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.93%
Interest Coverage 22.78
Cash Conversion N/A
Profit Quality 60.37%
Current Ratio 0.38
Quick Ratio 0.38
Altman-Z 0.25
F-Score6
WACC8.11%
ROIC/WACC0.2
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.58%
Cap/Sales(5y)0.41%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)305.8%
EPS 3YN/A
EPS 5Y-12.53%
EPS Q2Q%12.33%
EPS Next Y20.04%
EPS Next 2Y15.71%
EPS Next 3Y15.54%
EPS Next 5Y15.1%
Revenue 1Y (TTM)24.74%
Revenue growth 3Y-23.5%
Revenue growth 5Y-33.86%
Sales Q2Q%22.88%
Revenue Next Year-40.35%
Revenue Next 2Y-19.72%
Revenue Next 3Y-11.25%
Revenue Next 5Y23.28%
EBIT growth 1Y104.24%
EBIT growth 3Y0.38%
EBIT growth 5Y4.48%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y252.28%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y250.24%
OCF growth 3YN/A
OCF growth 5YN/A

PRUDENTIAL PLC / PRU.DE Fundamental Analysis FAQ

What is the fundamental rating for PRU stock?

ChartMill assigns a fundamental rating of 5 / 10 to PRU.DE.


What is the valuation status of PRUDENTIAL PLC (PRU.DE) stock?

ChartMill assigns a valuation rating of 4 / 10 to PRUDENTIAL PLC (PRU.DE). This can be considered as Fairly Valued.


Can you provide the profitability details for PRUDENTIAL PLC?

PRUDENTIAL PLC (PRU.DE) has a profitability rating of 5 / 10.


What is the valuation of PRUDENTIAL PLC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for PRUDENTIAL PLC (PRU.DE) is 16.15 and the Price/Book (PB) ratio is 1.01.


How sustainable is the dividend of PRUDENTIAL PLC (PRU.DE) stock?

The dividend rating of PRUDENTIAL PLC (PRU.DE) is 0 / 10 and the dividend payout ratio is 17.05%.