PRUDENTIAL PLC (PRU.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:PRU - GB0007099541 - Common Stock
13.3 EUR
0 (0%)
We assign a fundamental rating of 5 out of 10 to PRU. PRU was compared to 47 industry peers in the Insurance industry. PRU has an average financial health and profitability rating. PRU is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
PRU had positive earnings in the past year.
PRU had a positive operating cash flow in the past year.
In multiple years PRU reported negative net income over the last 5 years.
PRU had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
PRU has a better Return On Assets (1.73%) than 68.09% of its industry peers.
Looking at the Return On Equity, with a value of 19.04%, PRU is in the better half of the industry, outperforming 78.72% of the companies in the same industry.
PRU has a Return On Invested Capital (1.59%) which is comparable to the rest of the industry.
| Industry Rank | Sector 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
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.
The Operating Margin of PRU (28.82%) is better than 89.36% of its industry peers.
In the last couple of years the Operating Margin of PRU has grown nicely.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
PRU has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for PRU has been reduced compared to 1 year ago.
The number of shares outstanding for PRU has been increased compared to 5 years ago.
PRU has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.26, we must say that PRU is in the distress zone and has some risk of bankruptcy.
PRU has a Altman-Z score of 0.26. This is amongst the best in the industry. PRU outperforms 85.11% of its industry peers.
PRU has a debt to FCF ratio of 2.56. This is a good value and a sign of high solvency as PRU would need 2.56 years to pay back of all of its debts.
PRU has a Debt to FCF ratio (2.56) which is in line with its industry peers.
PRU has a Debt/Equity ratio of 0.29. This is a healthy value indicating a solid balance between debt and equity.
PRU's Debt to Equity ratio of 0.29 is amongst the best of the industry. PRU outperforms 82.98% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 2.56 | ||
| Altman-Z | 0.26 |
ROIC/WACC0.19
WACC8.17%
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 76.60% of the companies in the same industry.
A Quick Ratio of 0.38 indicates that PRU may have some problems paying its short term obligations.
With a decent Quick ratio value of 0.38, PRU is doing good in the industry, outperforming 76.60% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.38 | ||
| Quick Ratio | 0.38 |
3. Growth
3.1 Past
PRU shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 305.80%, which is quite impressive.
PRU shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -12.53% yearly.
PRU shows a strong growth in Revenue. In the last year, the Revenue has grown by 24.74%.
Measured over the past years, PRU shows a very negative growth in Revenue. The Revenue has been decreasing by -33.86% on average per year.
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 14.07% 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 Y23%
EPS Next 2Y16.81%
EPS Next 3Y16.55%
EPS Next 5Y14.07%
Revenue Next Year-40.39%
Revenue Next 2Y-19.73%
Revenue Next 3Y-11.33%
Revenue Next 5Y23.28%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 17.50 indicates a rather expensive valuation of PRU.
Based on the Price/Earnings ratio, PRU is valued a bit more expensive than 70.21% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.84. PRU is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 12.80 indicates a correct valuation of PRU.
PRU's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. PRU is more expensive than 68.09% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.40, PRU is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.5 | ||
| Fwd PE | 12.8 |
4.2 Price Multiples
PRU's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.55 | ||
| EV/EBITDA | N/A |
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 16.55% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.76
PEG (5Y)N/A
EPS Next 2Y16.81%
EPS Next 3Y16.55%
5. Dividend
5.1 Amount
PRU does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
FRA:PRU (12/29/2025, 7:00:00 PM)
13.3
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners65.08%
Inst Owner ChangeN/A
Ins Owners0.2%
Ins Owner ChangeN/A
Market Cap16.89B
Revenue(TTM)13.04B
Net Income(TTM)3.45B
Analysts85.45
Price Target15.38 (15.64%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly Dividend0.17
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)-0.03%
PT rev (3m)-0.03%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.19%
EPS NY rev (3m)0.22%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.94%
Revenue NY rev (3m)-62.3%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.5 | ||
| Fwd PE | 12.8 | ||
| P/S | 1.52 | ||
| P/FCF | 9.55 | ||
| P/OCF | 9.02 | ||
| P/B | 1.1 | ||
| P/tB | 1.5 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.76
EY5.71%
EPS(NY)1.04
Fwd EY7.81%
FCF(TTM)1.39
FCFY10.48%
OCF(TTM)1.47
OCFY11.08%
SpS8.72
BVpS12.13
TBVpS8.89
PEG (NY)0.76
PEG (5Y)N/A
Graham Number14.4
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 0.26 |
F-Score6
WACC8.17%
ROIC/WACC0.19
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 Y23%
EPS Next 2Y16.81%
EPS Next 3Y16.55%
EPS Next 5Y14.07%
Revenue 1Y (TTM)24.74%
Revenue growth 3Y-23.5%
Revenue growth 5Y-33.86%
Sales Q2Q%22.88%
Revenue Next Year-40.39%
Revenue Next 2Y-19.73%
Revenue Next 3Y-11.33%
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 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 for PRU stock?
ChartMill assigns a valuation rating of 3 / 10 to PRUDENTIAL PLC (PRU.DE). This can be considered as Overvalued.
Can you provide the profitability details for PRUDENTIAL PLC?
PRUDENTIAL PLC (PRU.DE) has a profitability rating of 5 / 10.
Can you provide the PE and PB ratios for PRU stock?
The Price/Earnings (PE) ratio for PRUDENTIAL PLC (PRU.DE) is 17.5 and the Price/Book (PB) ratio is 1.1.
Can you provide the financial health for PRU stock?
The financial health rating of PRUDENTIAL PLC (PRU.DE) is 5 / 10.