PRUDENTIAL FINANCIAL INC (PRU) Fundamental Analysis & Valuation

NYSE:PRU • US7443201022

99.0695 USD
+0.32 (+0.32%)
Last: Mar 4, 2026, 02:49 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to PRU. PRU was compared to 149 industry peers in the Insurance industry. PRU has a bad profitability rating. Also its financial health evaluation is rather negative. PRU has a decent growth rate and is not valued too expensively. Finally PRU also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. PRU 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.
  • PRU had positive earnings in 4 of the past 5 years.
  • PRU had a positive operating cash flow in each of the past 5 years.
PRU Yearly Net Income VS EBIT VS OCF VS FCFPRU 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 5B 10B 15B 20B

1.2 Ratios

  • PRU has a Return On Assets of 0.46%. This is in the lower half of the industry: PRU underperforms 77.18% of its industry peers.
  • PRU has a Return On Equity of 10.90%. This is comparable to the rest of the industry: PRU outperforms 51.01% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 0.39%, PRU is doing worse than 71.14% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for PRU is significantly below the industry average of 15.27%.
  • The 3 year average ROIC (0.37%) for PRU is below the current ROIC(0.39%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 0.46%
ROE 10.9%
ROIC 0.39%
ROA(3y)0.39%
ROA(5y)0.37%
ROE(3y)9.8%
ROE(5y)7.61%
ROIC(3y)0.37%
ROIC(5y)N/A
PRU Yearly ROA, ROE, ROICPRU Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10

1.3 Margins

  • PRU's Profit Margin of 6.33% is in line compared to the rest of the industry. PRU outperforms 40.27% of its industry peers.
  • Looking at the Operating Margin, with a value of 6.72%, PRU is doing worse than 73.83% of the companies in the same industry.
Industry RankSector Rank
OM 6.72%
PM (TTM) 6.33%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
PRU Yearly Profit, Operating, Gross MarginsPRU Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10 15

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. PRU Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PRU is destroying value.
  • PRU has less shares outstanding than it did 1 year ago.
  • PRU has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, PRU has a worse debt to assets ratio.
PRU Yearly Shares OutstandingPRU Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M
PRU Yearly Total Debt VS Total AssetsPRU Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200B 400B 600B 800B

2.2 Solvency

  • PRU has a debt to FCF ratio of 3.66. This is a good value and a sign of high solvency as PRU would need 3.66 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 3.66, PRU is in line with its industry, outperforming 42.28% of the companies in the same industry.
  • A Debt/Equity ratio of 0.66 indicates that PRU is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.66, PRU is not doing good in the industry: 81.88% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.66
Debt/FCF 3.66
Altman-Z N/A
ROIC/WACC0.05
WACC8%
PRU Yearly LT Debt VS Equity VS FCFPRU Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PRU Yearly Current Assets VS Current LiabilitesPRU 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

More info and screens

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

4

3. PRU Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 11.43% over the past year.
  • Measured over the past 5 years, PRU shows a small growth in Earnings Per Share. The EPS has been growing by 6.96% on average per year.
  • PRU shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -15.29%.
  • PRU shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.42% yearly.
EPS 1Y (TTM)11.43%
EPS 3Y15.11%
EPS 5Y6.96%
EPS Q2Q%11.49%
Revenue 1Y (TTM)-15.29%
Revenue growth 3Y2.26%
Revenue growth 5Y1.42%
Sales Q2Q%17.74%

3.2 Future

  • Based on estimates for the next years, PRU will show a small growth in Earnings Per Share. The EPS will grow by 5.50% on average per year.
  • PRU is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.06% yearly.
EPS Next Y4.46%
EPS Next 2Y5.1%
EPS Next 3Y5.44%
EPS Next 5Y5.5%
Revenue Next Year0.83%
Revenue Next 2Y1.91%
Revenue Next 3Y1.81%
Revenue Next 5Y3.06%

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 accelerating: in the next years the growth will be better than in the last years.
PRU Yearly Revenue VS EstimatesPRU Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 20B 40B 60B
PRU Yearly EPS VS EstimatesPRU Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5 10 15

More info and screens

Find the best growth stocksShow best growing peers

6

4. PRU Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 6.87, the valuation of PRU can be described as very cheap.
  • Based on the Price/Earnings ratio, PRU is valued a bit cheaper than 77.18% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of PRU to the average of the S&P500 Index (26.83), we can say PRU is valued rather cheaply.
  • A Price/Forward Earnings ratio of 6.57 indicates a rather cheap valuation of PRU.
  • 76.51% of the companies in the same industry are more expensive than PRU, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 24.95. PRU is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 6.87
Fwd PE 6.57
PRU Price Earnings VS Forward Price EarningsPRU 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 Enterprise Value to EBITDA ratio of PRU is on the same level as its industry peers.
  • Based on the Price/Free Cash Flow ratio, PRU is valued a bit cheaper than the industry average as 67.79% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 5.5
EV/EBITDA 9.68
PRU Per share dataPRU EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

4.3 Compensation for Growth

  • PRU's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.54
PEG (5Y)0.99
EPS Next 2Y5.1%
EPS Next 3Y5.44%

More info and screens

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

8

5. PRU Dividend Analysis

5.1 Amount

  • PRU has a Yearly Dividend Yield of 5.81%, which is a nice return.
  • PRU's Dividend Yield is rather good when compared to the industry average which is at 2.49. PRU pays more dividend than 83.89% of the companies in the same industry.
  • PRU's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 5.81%

5.2 History

  • The dividend of PRU has a limited annual growth rate of 4.31%.
  • PRU has paid a dividend for at least 10 years, which is a reliable track record.
  • PRU has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)4.31%
Div Incr Years16
Div Non Decr Years16
PRU Yearly Dividends per sharePRU Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4 5

5.3 Sustainability

  • PRU pays out 54.48% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • The dividend of PRU is growing, but earnings are growing more, so the dividend growth is sustainable.
DP54.48%
EPS Next 2Y5.1%
EPS Next 3Y5.44%
PRU Yearly Income VS Free CF VS DividendPRU Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B 15B 20B
PRU Dividend Payout.PRU Dividend Payout, showing the Payout Ratio.PRU Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

PRU Fundamentals: All Metrics, Ratios and Statistics

PRUDENTIAL FINANCIAL INC

NYSE:PRU (3/4/2026, 2:49:05 PM)

99.0695

+0.32 (+0.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-03
Earnings (Next)04-28
Inst Owners61.95%
Inst Owner Change-0.86%
Ins Owners0.1%
Ins Owner Change4.26%
Market Cap34.47B
Revenue(TTM)55.85B
Net Income(TTM)3.54B
Analysts66.36
Price Target116.91 (18.01%)
Short Float %2.36%
Short Ratio3.82
Dividend
Industry RankSector Rank
Dividend Yield 5.81%
Yearly Dividend5.48
Dividend Growth(5Y)4.31%
DP54.48%
Div Incr Years16
Div Non Decr Years16
Ex-Date02-17
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)5.56%
Min EPS beat(2)-3.02%
Max EPS beat(2)14.14%
EPS beat(4)3
Avg EPS beat(4)5.99%
Min EPS beat(4)-3.02%
Max EPS beat(4)14.14%
EPS beat(8)3
Avg EPS beat(8)1.15%
EPS beat(12)4
Avg EPS beat(12)0.22%
EPS beat(16)6
Avg EPS beat(16)-0.45%
Revenue beat(2)2
Avg Revenue beat(2)8.18%
Min Revenue beat(2)2.63%
Max Revenue beat(2)13.74%
Revenue beat(4)2
Avg Revenue beat(4)2.1%
Min Revenue beat(4)-6.96%
Max Revenue beat(4)13.74%
Revenue beat(8)5
Avg Revenue beat(8)9.37%
Revenue beat(12)6
Avg Revenue beat(12)5.48%
Revenue beat(16)7
Avg Revenue beat(16)2.9%
PT rev (1m)-4.73%
PT rev (3m)-2.23%
EPS NQ rev (1m)-4.15%
EPS NQ rev (3m)-5.52%
EPS NY rev (1m)-0.1%
EPS NY rev (3m)0.23%
Revenue NQ rev (1m)-0.04%
Revenue NQ rev (3m)2.01%
Revenue NY rev (1m)-0.26%
Revenue NY rev (3m)-1.07%
Valuation
Industry RankSector Rank
PE 6.87
Fwd PE 6.57
P/S 0.62
P/FCF 5.5
P/OCF 5.5
P/B 1.06
P/tB 1.06
EV/EBITDA 9.68
EPS(TTM)14.43
EY14.57%
EPS(NY)15.07
Fwd EY15.21%
FCF(TTM)18.03
FCFY18.19%
OCF(TTM)18.03
OCFY18.19%
SpS160.55
BVpS93.24
TBVpS93.24
PEG (NY)1.54
PEG (5Y)0.99
Graham Number173.99
Profitability
Industry RankSector Rank
ROA 0.46%
ROE 10.9%
ROCE 0.49%
ROIC 0.39%
ROICexc 0.4%
ROICexgc 0.61%
OM 6.72%
PM (TTM) 6.33%
GM N/A
FCFM 11.23%
ROA(3y)0.39%
ROA(5y)0.37%
ROE(3y)9.8%
ROE(5y)7.61%
ROIC(3y)0.37%
ROIC(5y)N/A
ROICexc(3y)0.37%
ROICexc(5y)N/A
ROICexgc(3y)0.57%
ROICexgc(5y)N/A
ROCE(3y)0.45%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 0.66
Debt/FCF 3.66
Debt/EBITDA 5.54
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 1.97
Cash Conversion 161.5%
Profit Quality 177.4%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC8%
ROIC/WACC0.05
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)252.54%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)11.43%
EPS 3Y15.11%
EPS 5Y6.96%
EPS Q2Q%11.49%
EPS Next Y4.46%
EPS Next 2Y5.1%
EPS Next 3Y5.44%
EPS Next 5Y5.5%
Revenue 1Y (TTM)-15.29%
Revenue growth 3Y2.26%
Revenue growth 5Y1.42%
Sales Q2Q%17.74%
Revenue Next Year0.83%
Revenue Next 2Y1.91%
Revenue Next 3Y1.81%
Revenue Next 5Y3.06%
EBIT growth 1Y32.69%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-26.24%
FCF growth 3Y6.73%
FCF growth 5Y-5.61%
OCF growth 1Y-26.24%
OCF growth 3Y6.73%
OCF growth 5Y-5.61%

PRUDENTIAL FINANCIAL INC / PRU FAQ

What is the fundamental rating for PRU stock?

ChartMill assigns a fundamental rating of 4 / 10 to PRU.


What is the valuation status of PRUDENTIAL FINANCIAL INC (PRU) stock?

ChartMill assigns a valuation rating of 6 / 10 to PRUDENTIAL FINANCIAL INC (PRU). This can be considered as Fairly Valued.


Can you provide the profitability details for PRUDENTIAL FINANCIAL INC?

PRUDENTIAL FINANCIAL INC (PRU) has a profitability rating of 3 / 10.


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

The Price/Earnings (PE) ratio for PRUDENTIAL FINANCIAL INC (PRU) is 6.87 and the Price/Book (PB) ratio is 1.06.


How sustainable is the dividend of PRUDENTIAL FINANCIAL INC (PRU) stock?

The dividend rating of PRUDENTIAL FINANCIAL INC (PRU) is 8 / 10 and the dividend payout ratio is 54.48%.