PRUDENTIAL PLC-ADR (PUK) Stock Fundamental Analysis
USA - NYSE:PUK - US74435K2042 - ADR
27.85 USD
-0.19 (-0.68%)
27.85 USD
0 (0%)
Overall PUK gets a fundamental rating of 5 out of 10. We evaluated PUK against 146 industry peers in the Insurance industry. Both the profitability and the financial health of PUK get a neutral evaluation. Nothing too spectacular is happening here. PUK has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year PUK was profitable.
PUK had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: PUK reported negative net income in multiple years.
Of the past 5 years PUK 4 years had a positive operating cash flow.
1.2 Ratios
PUK's Return On Assets of 1.26% is in line compared to the rest of the industry. PUK outperforms 44.52% of its industry peers.
PUK has a better Return On Equity (13.06%) than 64.38% of its industry peers.
Looking at the Return On Invested Capital, with a value of 1.24%, PUK is in line with its industry, outperforming 41.78% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.26% | ||
| ROE | 13.06% | ||
| ROIC | 1.24% |
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
The Profit Margin of PUK (19.26%) is better than 90.41% of its industry peers.
In the last couple of years the Profit Margin of PUK has grown nicely.
PUK's Operating Margin of 22.91% is amongst the best of the industry. PUK outperforms 87.67% of its industry peers.
In the last couple of years the Operating Margin of PUK has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 22.91% | ||
| PM (TTM) | 19.26% | ||
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PUK is destroying value.
Compared to 1 year ago, PUK has less shares outstanding
PUK has more shares outstanding than it did 5 years ago.
PUK has a better debt/assets ratio than last year.
2.2 Solvency
PUK has an Altman-Z score of 0.32. This is a bad value and indicates that PUK is not financially healthy and even has some risk of bankruptcy.
With a decent Altman-Z score value of 0.32, PUK is doing good in the industry, outperforming 69.18% of the companies in the same industry.
PUK has a debt to FCF ratio of 1.35. This is a very positive value and a sign of high solvency as it would only need 1.35 years to pay back of all of its debts.
PUK's Debt to FCF ratio of 1.35 is in line compared to the rest of the industry. PUK outperforms 57.53% of its industry peers.
A Debt/Equity ratio of 0.27 indicates that PUK is not too dependend on debt financing.
PUK has a Debt to Equity ratio of 0.27. This is comparable to the rest of the industry: PUK outperforms 57.53% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 1.35 | ||
| Altman-Z | 0.32 |
ROIC/WACC0.14
WACC8.62%
2.3 Liquidity
A Current Ratio of 0.36 indicates that PUK may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.36, PUK is in the better half of the industry, outperforming 71.23% of the companies in the same industry.
A Quick Ratio of 0.36 indicates that PUK may have some problems paying its short term obligations.
PUK has a better Quick ratio (0.36) than 71.23% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.36 | ||
| Quick Ratio | 0.36 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 35.68% over the past year.
The earnings per share for PUK have been decreasing by -12.53% on average. This is quite bad
Looking at the last year, PUK shows a quite strong growth in Revenue. The Revenue has grown by 11.05% in the last year.
The Revenue for PUK have been decreasing by -33.86% on average. This is quite bad
EPS 1Y (TTM)35.68%
EPS 3YN/A
EPS 5Y-12.53%
EPS Q2Q%12.1%
Revenue 1Y (TTM)11.05%
Revenue growth 3Y-23.5%
Revenue growth 5Y-33.86%
Sales Q2Q%24.19%
3.2 Future
The Earnings Per Share is expected to grow by 13.94% on average over the next years. This is quite good.
The Revenue is expected to grow by 15.31% on average over the next years. This is quite good.
EPS Next Y18.83%
EPS Next 2Y16.44%
EPS Next 3Y16.63%
EPS Next 5Y13.94%
Revenue Next Year-56.28%
Revenue Next 2Y-31.31%
Revenue Next 3Y-25.5%
Revenue Next 5Y15.31%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 14.74, PUK is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of PUK is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 27.30. PUK is valued slightly cheaper when compared to this.
Based on the Price/Forward Earnings ratio of 10.86, the valuation of PUK can be described as reasonable.
PUK's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.73, PUK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.74 | ||
| Fwd PE | 10.86 |
4.2 Price Multiples
PUK's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.14 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PUK's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as PUK's earnings are expected to grow with 16.63% in the coming years.
PEG (NY)0.78
PEG (5Y)N/A
EPS Next 2Y16.44%
EPS Next 3Y16.63%
5. Dividend
5.1 Amount
PUK has a Yearly Dividend Yield of 1.83%. Purely for dividend investing, there may be better candidates out there.
PUK's Dividend Yield is comparable with the industry average which is at 3.63.
Compared to the average S&P500 Dividend Yield of 2.45, PUK is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.83% |
5.2 History
The dividend of PUK decreases each year by -20.17%.
PUK has been paying a dividend for at least 10 years, so it has a reliable track record.
PUK has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)-20.17%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
PUK pays out 24.16% of its income as dividend. This is a sustainable payout ratio.
DP24.16%
EPS Next 2Y16.44%
EPS Next 3Y16.63%
27.85
-0.19 (-0.68%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners57.57%
Inst Owner Change0.24%
Ins Owners0.2%
Ins Owner ChangeN/A
Market Cap35.57B
Analysts85.45
Price Target32.91 (18.17%)
Short Float %0.14%
Short Ratio1.99
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.83% |
Yearly Dividend0.2
Dividend Growth(5Y)-20.17%
DP24.16%
Div Incr Years3
Div Non Decr Years3
Ex-Date
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)2.97%
PT rev (3m)3.69%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)2.53%
EPS NY rev (3m)3.24%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-61.48%
Revenue NY rev (3m)-61.48%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.74 | ||
| Fwd PE | 10.86 | ||
| P/S | 3 | ||
| P/FCF | 10.14 | ||
| P/OCF | 9.86 | ||
| P/B | 2.03 | ||
| P/tB | 2.77 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.89
EY6.79%
EPS(NY)2.57
Fwd EY9.21%
FCF(TTM)2.75
FCFY9.86%
OCF(TTM)2.83
OCFY10.15%
SpS9.29
BVpS13.69
TBVpS10.04
PEG (NY)0.78
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.26% | ||
| ROE | 13.06% | ||
| ROCE | 1.52% | ||
| ROIC | 1.24% | ||
| ROICexc | 1.28% | ||
| ROICexgc | 1.36% | ||
| OM | 22.91% | ||
| PM (TTM) | 19.26% | ||
| GM | N/A | ||
| FCFM | 29.57% |
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
ROICexcg growth 3Y-3.09%
ROICexcg 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-Score9
Asset Turnover0.07
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 1.35 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.85% | ||
| Interest Coverage | 11.37 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 153.52% | ||
| Current Ratio | 0.36 | ||
| Quick Ratio | 0.36 | ||
| Altman-Z | 0.32 |
F-Score9
WACC8.62%
ROIC/WACC0.14
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)35.68%
EPS 3YN/A
EPS 5Y-12.53%
EPS Q2Q%12.1%
EPS Next Y18.83%
EPS Next 2Y16.44%
EPS Next 3Y16.63%
EPS Next 5Y13.94%
Revenue 1Y (TTM)11.05%
Revenue growth 3Y-23.5%
Revenue growth 5Y-33.86%
Sales Q2Q%24.19%
Revenue Next Year-56.28%
Revenue Next 2Y-31.31%
Revenue Next 3Y-25.5%
Revenue Next 5Y15.31%
EBIT growth 1Y14.11%
EBIT growth 3Y0.38%
EBIT growth 5Y4.48%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y345.18%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y333.77%
OCF growth 3YN/A
OCF growth 5YN/A