PRUDENTIAL PLC (PRU.DE) Stock Fundamental Analysis

FRA:PRU • GB0007099541

12.2 EUR
-0.4 (-3.17%)
Last: Feb 13, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

5

Taking everything into account, PRU scores 5 out of 10 in our fundamental rating. PRU was compared to 48 industry peers in the Insurance industry. PRU has an average financial health and profitability rating. PRU is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

5

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.
  • 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 0 2B -2B 4B -4B

1.2 Ratios

  • PRU has a better Return On Assets (1.73%) than 60.42% 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 68.75% of the companies in the same industry.
  • PRU has a Return On Invested Capital of 1.59%. This is comparable to the rest of the industry: PRU outperforms 56.25% of its industry peers.
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 has a Profit Margin of 26.45%. This is amongst the best in the industry. PRU outperforms 95.83% of its industry peers.
  • In the last couple of years the Profit Margin of PRU has grown nicely.
  • The Operating Margin of PRU (28.82%) is better than 93.75% 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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5

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PRU is destroying value.
  • Compared to 1 year ago, PRU has less shares outstanding
  • Compared to 5 years ago, PRU has more 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 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 81.25% 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.
  • Looking at the Debt to FCF ratio, with a value of 2.56, PRU is in line with its industry, outperforming 47.92% of the companies in the same industry.
  • A Debt/Equity ratio of 0.29 indicates that PRU is not too dependend on debt financing.
  • PRU's Debt to Equity ratio of 0.29 is amongst the best of the industry. PRU outperforms 83.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 2.56
Altman-Z 0.25
ROIC/WACC0.2
WACC8.08%
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

  • A Current Ratio of 0.38 indicates that PRU may have some problems paying its short term obligations.
  • PRU has a Current ratio of 0.38. This is in the better half of the industry: PRU outperforms 68.75% of its industry peers.
  • A Quick Ratio of 0.38 indicates that PRU may have some problems paying its short term obligations.
  • PRU has a better Quick ratio (0.38) than 68.75% of its industry peers.
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. 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.
  • Measured over the past years, PRU shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -12.53% on average per year.
  • The Revenue has grown by 24.74% in the past year. This is a very strong growth!
  • PRU shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -33.86% yearly.
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

  • PRU is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.10% yearly.
  • PRU is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 23.28% yearly.
EPS Next Y22.8%
EPS Next 2Y16.73%
EPS Next 3Y16.08%
EPS Next 5Y15.1%
Revenue Next Year-40.39%
Revenue Next 2Y-19.73%
Revenue Next 3Y-11.33%
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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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 16.05 indicates a correct valuation of PRU.
  • 66.67% of the companies in the same industry are cheaper than PRU, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 27.09, PRU is valued a bit cheaper.
  • A Price/Forward Earnings ratio of 11.84 indicates a reasonable valuation of PRU.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of PRU indicates a slightly more expensive valuation: PRU is more expensive than 62.50% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.98, PRU is valued rather cheaply.
Industry RankSector Rank
PE 16.05
Fwd PE 11.84
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

  • PRU's Price/Free Cash Flow ratio is in line with the industry average.
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 16.08% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.7
PEG (5Y)N/A
EPS Next 2Y16.73%
EPS Next 3Y16.08%

More info and screens

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

0

5. Dividend

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

PRUDENTIAL PLC

FRA:PRU (2/13/2026, 7:00:00 PM)

12.2

-0.4 (-3.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-26
Earnings (Next)03-18
Inst Owners64.31%
Inst Owner ChangeN/A
Ins Owners0.2%
Ins Owner ChangeN/A
Market Cap15.39B
Revenue(TTM)13.04B
Net Income(TTM)3.45B
Analysts85.83
Price Target15.73 (28.93%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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)2.31%
PT rev (3m)2.27%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0.05%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-62.3%
Valuation
Industry RankSector Rank
PE 16.05
Fwd PE 11.84
P/S 1.4
P/FCF 8.76
P/OCF 8.27
P/B 1.01
P/tB 1.37
EV/EBITDA N/A
EPS(TTM)0.76
EY6.23%
EPS(NY)1.03
Fwd EY8.45%
FCF(TTM)1.39
FCFY11.42%
OCF(TTM)1.47
OCFY12.09%
SpS8.73
BVpS12.13
TBVpS8.9
PEG (NY)0.7
PEG (5Y)N/A
Graham Number14.4
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
WACC8.08%
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 Y22.8%
EPS Next 2Y16.73%
EPS Next 3Y16.08%
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-40.39%
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 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 16.05 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%.