PRUDENTIAL PLC (PRU.DE) Fundamental Analysis & Valuation

FRA:PRU • GB0007099541

Current stock price

12.88 EUR
-0.11 (-0.88%)
Last:

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

6

1. PRU.DE Profitability Analysis

1.1 Basic Checks

  • In the past year PRU was profitable.
  • PRU had a positive operating cash flow in the past year.
  • In multiple years PRU reported negative net income over the last 5 years.
  • Of the past 5 years PRU 4 years had a positive operating cash flow.
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 2025 0 2B -2B 4B -4B

1.2 Ratios

  • The Return On Assets of PRU (1.87%) is better than 66.67% of its industry peers.
  • With a decent Return On Equity value of 19.77%, PRU is doing good in the industry, outperforming 71.43% of the companies in the same industry.
  • The Return On Invested Capital of PRU (1.28%) is comparable to the rest of the industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for PRU is in line with the industry average of 3.02%.
  • The last Return On Invested Capital (1.28%) for PRU is above the 3 year average (1.23%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 1.87%
ROE 19.77%
ROIC 1.28%
ROA(3y)1.37%
ROA(5y)0.49%
ROE(3y)14.13%
ROE(5y)4.88%
ROIC(3y)1.23%
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 2025 0 10 -10

1.3 Margins

  • With an excellent Profit Margin value of 31.15%, PRU belongs to the best of the industry, outperforming 95.24% of the companies in the same industry.
  • In the last couple of years the Profit Margin of PRU has grown nicely.
  • Looking at the Operating Margin, with a value of 25.41%, PRU belongs to the top of the industry, outperforming 90.48% of the companies in the same industry.
  • In the last couple of years the Operating Margin of PRU has grown nicely.
Industry RankSector Rank
OM 25.41%
PM (TTM) 31.15%
GM N/A
OM growth 3YN/A
OM growth 5Y27.46%
PM growth 3YN/A
PM growth 5Y39.75%
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 2025 0 10 -10 20 30

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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.
  • The number of shares outstanding for PRU has been reduced compared to 1 year ago.
  • Compared to 5 years ago, PRU has less shares outstanding
  • PRU has a better debt/assets ratio than last year.
PRU.DE Yearly Shares OutstandingPRU.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 200B 400B 600B

2.2 Solvency

  • PRU has an Altman-Z score of 0.31. This is a bad value and indicates that PRU is not financially healthy and even has some risk of bankruptcy.
  • PRU has a better Altman-Z score (0.31) than 85.71% of its industry peers.
  • The Debt to FCF ratio of PRU is 2.25, which is a good value as it means it would take PRU, 2.25 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 2.25, PRU is in line with its industry, outperforming 54.76% of the companies in the same industry.
  • PRU has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.26, PRU belongs to the top of the industry, outperforming 83.33% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 2.25
Altman-Z 0.31
ROIC/WACC0.15
WACC8.61%
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 2025 0 5B -5B 10B 15B 20B

2.3 Liquidity

  • A Current Ratio of 0.23 indicates that PRU may have some problems paying its short term obligations.
  • With a decent Current ratio value of 0.23, PRU is doing good in the industry, outperforming 69.05% of the companies in the same industry.
  • A Quick Ratio of 0.23 indicates that PRU may have some problems paying its short term obligations.
  • PRU's Quick ratio of 0.23 is fine compared to the rest of the industry. PRU outperforms 69.05% of its industry peers.
Industry RankSector Rank
Current Ratio 0.23
Quick Ratio 0.23
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 2025 5B 10B 15B 20B

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

5

3. PRU.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 12.72% over the past year.
  • PRU shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -10.48% yearly.
  • Looking at the last year, PRU shows a small growth in Revenue. The Revenue has grown by 7.64% in the last year.
  • The Revenue for PRU have been decreasing by -18.83% on average. This is quite bad
EPS 1Y (TTM)12.72%
EPS 3YN/A
EPS 5Y-10.48%
EPS Q2Q%13.1%
Revenue 1Y (TTM)7.64%
Revenue growth 3Y22.61%
Revenue growth 5Y-18.83%
Sales Q2Q%226.76%

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 14.97% on average per year.
  • The Revenue is expected to grow by 39.84% on average over the next years. This is a very strong growth
EPS Next Y18.77%
EPS Next 2Y16.97%
EPS Next 3Y15.23%
EPS Next 5Y14.97%
Revenue Next Year-2.3%
Revenue Next 2Y3.15%
Revenue Next 3Y18.29%
Revenue Next 5Y39.84%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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

  • A Price/Earnings ratio of 14.98 indicates a correct valuation of PRU.
  • Compared to the rest of the industry, the Price/Earnings ratio of PRU indicates a slightly more expensive valuation: PRU is more expensive than 64.29% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.78. PRU is valued slightly cheaper when compared to this.
  • The Price/Forward Earnings ratio is 12.55, which indicates a correct valuation of PRU.
  • 64.29% of the companies in the same industry are cheaper than PRU, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.54, PRU is valued a bit cheaper.
Industry RankSector Rank
PE 14.98
Fwd PE 12.55
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of PRU is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 16.24
EV/EBITDA N/A
PRU.DE Per share dataPRU.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

  • PRU's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • The decent profitability rating of PRU may justify a higher PE ratio.
  • PRU's earnings are expected to grow with 15.23% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.8
PEG (5Y)N/A
EPS Next 2Y16.97%
EPS Next 3Y15.23%

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

3

5. PRU.DE Dividend Analysis

5.1 Amount

  • PRU has a Yearly Dividend Yield of 1.93%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 4.54, PRU's dividend is way lower than its industry peers. On top of this 80.95% of the companies listed in the same industry pay a better dividend than PRU!
  • PRU's Dividend Yield is comparable with the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 1.93%

5.2 History

  • The dividend of PRU decreases each year by -6.09%.
Dividend Growth(5Y)-6.09%
Div Incr Years0
Div Non Decr Years0
PRU.DE Yearly Dividends per sharePRU.DE Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 0.05 0.1 0.15 0.2

5.3 Sustainability

  • 14.93% of the earnings are spent on dividend by PRU. This is a low number and sustainable payout ratio.
DP14.93%
EPS Next 2Y16.97%
EPS Next 3Y15.23%
PRU.DE Yearly Income VS Free CF VS DividendPRU.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B 4B -4B
PRU.DE Dividend Payout.PRU.DE Dividend Payout, showing the Payout Ratio.PRU.DE Dividend Payout.PayoutRetained Earnings

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PRU.DE Fundamentals: All Metrics, Ratios and Statistics

PRUDENTIAL PLC

FRA:PRU (4/10/2026, 7:00:00 PM)

12.88

-0.11 (-0.88%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-18
Earnings (Next)N/A
Inst Owners64.09%
Inst Owner ChangeN/A
Ins Owners0.19%
Ins Owner ChangeN/A
Market Cap32.61B
Revenue(TTM)12.77B
Net Income(TTM)3.98B
Analysts85.83
Price Target15.73 (22.13%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.93%
Yearly Dividend0.2
Dividend Growth(5Y)-6.09%
DP14.93%
Div Incr Years0
Div Non Decr Years0
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)2.31%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-1.88%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-9.56%
Revenue NY rev (3m)-9.56%
Valuation
Industry RankSector Rank
PE 14.98
Fwd PE 12.55
P/S 2.98
P/FCF 16.24
P/OCF 15.55
P/B 1.89
P/tB 2.5
EV/EBITDA N/A
EPS(TTM)0.86
EY6.68%
EPS(NY)1.03
Fwd EY7.97%
FCF(TTM)0.79
FCFY6.16%
OCF(TTM)0.83
OCFY6.43%
SpS4.32
BVpS6.8
TBVpS5.16
PEG (NY)0.8
PEG (5Y)N/A
Graham Number11.47
Profitability
Industry RankSector Rank
ROA 1.87%
ROE 19.77%
ROCE 1.56%
ROIC 1.28%
ROICexc 1.33%
ROICexgc 1.4%
OM 25.41%
PM (TTM) 31.15%
GM N/A
FCFM 18.37%
ROA(3y)1.37%
ROA(5y)0.49%
ROE(3y)14.13%
ROE(5y)4.88%
ROIC(3y)1.23%
ROIC(5y)N/A
ROICexc(3y)1.27%
ROICexc(5y)N/A
ROICexgc(3y)1.35%
ROICexgc(5y)N/A
ROCE(3y)1.5%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y20.71%
ROICexc growth 3YN/A
ROICexc growth 5Y23.73%
OM growth 3YN/A
OM growth 5Y27.46%
PM growth 3YN/A
PM growth 5Y39.75%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 2.25
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.81%
Interest Coverage 13.69
Cash Conversion N/A
Profit Quality 58.97%
Current Ratio 0.23
Quick Ratio 0.23
Altman-Z 0.31
F-Score6
WACC8.61%
ROIC/WACC0.15
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.69%
Cap/Sales(5y)0.54%
Profit Quality(3y)86.27%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)12.72%
EPS 3YN/A
EPS 5Y-10.48%
EPS Q2Q%13.1%
EPS Next Y18.77%
EPS Next 2Y16.97%
EPS Next 3Y15.23%
EPS Next 5Y14.97%
Revenue 1Y (TTM)7.64%
Revenue growth 3Y22.61%
Revenue growth 5Y-18.83%
Sales Q2Q%226.76%
Revenue Next Year-2.3%
Revenue Next 2Y3.15%
Revenue Next 3Y18.29%
Revenue Next 5Y39.84%
EBIT growth 1Y19.39%
EBIT growth 3YN/A
EBIT growth 5Y3.46%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-33.12%
FCF growth 3Y30.98%
FCF growth 5Y-0.26%
OCF growth 1Y-32.11%
OCF growth 3Y31.48%
OCF growth 5Y0.13%

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.


What is the profitability of PRU stock?

PRUDENTIAL PLC (PRU.DE) has a profitability rating of 6 / 10.


What is the financial health of PRUDENTIAL PLC (PRU.DE) stock?

The financial health rating of PRUDENTIAL PLC (PRU.DE) is 5 / 10.


Is the dividend of PRUDENTIAL PLC sustainable?

The dividend rating of PRUDENTIAL PLC (PRU.DE) is 3 / 10 and the dividend payout ratio is 14.93%.