PRUDENTIAL PLC-ADR (PUK) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:PUK - US74435K2042 - ADR
31.64 USD
+0.04 (+0.13%)
31.64 USD
0 (0%)
PUK gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 148 industry peers in the Insurance industry. PUK has an average financial health and profitability rating. PUK is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
PUK had positive earnings in the past year.
In the past year PUK had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: PUK reported negative net income in multiple years.
PUK had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
PUK has a Return On Assets (1.73%) which is in line with its industry peers.
PUK has a better Return On Equity (19.04%) than 84.46% of its industry peers.
The Return On Invested Capital of PUK (1.59%) 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
With an excellent Profit Margin value of 26.45%, PUK belongs to the best of the industry, outperforming 97.30% of the companies in the same industry.
PUK's Profit Margin has improved in the last couple of years.
PUK has a better Operating Margin (28.82%) than 90.54% of its industry peers.
PUK's Operating Margin has improved in the last couple of years.
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PUK is destroying value.
PUK has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, PUK has more shares outstanding
PUK has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.32, we must say that PUK is in the distress zone and has some risk of bankruptcy.
PUK's Altman-Z score of 0.32 is fine compared to the rest of the industry. PUK outperforms 69.59% of its industry peers.
The Debt to FCF ratio of PUK is 2.56, which is a good value as it means it would take PUK, 2.56 years of fcf income to pay off all of its debts.
PUK's Debt to FCF ratio of 2.56 is in line compared to the rest of the industry. PUK outperforms 50.00% of its industry peers.
A Debt/Equity ratio of 0.29 indicates that PUK is not too dependend on debt financing.
PUK's Debt to Equity ratio of 0.29 is in line compared to the rest of the industry. PUK outperforms 54.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 2.56 | ||
| Altman-Z | 0.32 |
ROIC/WACC0.18
WACC8.77%
2.3 Liquidity
PUK has a Current Ratio of 0.38. This is a bad value and indicates that PUK is not financially healthy enough and could expect problems in meeting its short term obligations.
PUK has a Current ratio of 0.38. This is in the better half of the industry: PUK outperforms 70.27% of its industry peers.
A Quick Ratio of 0.38 indicates that PUK may have some problems paying its short term obligations.
PUK's Quick ratio of 0.38 is fine compared to the rest of the industry. PUK outperforms 70.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.38 | ||
| Quick Ratio | 0.38 |
3. Growth
3.1 Past
PUK 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, PUK shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -12.53% on average per year.
Looking at the last year, PUK shows a very strong growth in Revenue. The Revenue has grown by 24.74%.
Measured over the past years, PUK 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%24.19%
3.2 Future
The Earnings Per Share is expected to grow by 14.07% on average over the next years. This is quite good.
The Revenue is expected to grow by 23.28% on average over the next years. This is a very strong growth
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 17.10 indicates a rather expensive valuation of PUK.
Based on the Price/Earnings ratio, PUK is valued a bit more expensive than the industry average as 60.81% of the companies are valued more cheaply.
PUK's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.92.
With a Price/Forward Earnings ratio of 12.56, PUK is valued correctly.
PUK's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.46, PUK is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.1 | ||
| Fwd PE | 12.56 |
4.2 Price Multiples
62.84% of the companies in the same industry are cheaper than PUK, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19.3 | ||
| 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.
A more expensive valuation may be justified as PUK's earnings are expected to grow with 16.55% in the coming years.
PEG (NY)0.74
PEG (5Y)N/A
EPS Next 2Y16.81%
EPS Next 3Y16.55%
5. Dividend
5.1 Amount
PUK has a Yearly Dividend Yield of 3.13%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 2.42, PUK pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.00, PUK pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.13% |
5.2 History
The dividend of PUK decreases each year by -20.17%.
PUK has paid a dividend for at least 10 years, which is 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 17.05% of its income as dividend. This is a sustainable payout ratio.
DP17.05%
EPS Next 2Y16.81%
EPS Next 3Y16.55%
31.64
+0.04 (+0.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners65.08%
Inst Owner Change7.46%
Ins Owners0.2%
Ins Owner ChangeN/A
Market Cap40.18B
Revenue(TTM)13.04B
Net Income(TTM)3.45B
Analysts85.45
Price Target35.92 (13.53%)
Short Float %0.11%
Short Ratio1.39
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.13% |
Yearly Dividend0.2
Dividend Growth(5Y)-20.17%
DP17.05%
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)6.91%
PT rev (3m)5.33%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.19%
EPS NY rev (3m)1.62%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.94%
Revenue NY rev (3m)-1.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.1 | ||
| Fwd PE | 12.56 | ||
| P/S | 3.08 | ||
| P/FCF | 19.3 | ||
| P/OCF | 18.24 | ||
| P/B | 2.22 | ||
| P/tB | 3.02 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.85
EY5.85%
EPS(NY)2.52
Fwd EY7.96%
FCF(TTM)1.64
FCFY5.18%
OCF(TTM)1.73
OCFY5.48%
SpS10.27
BVpS14.27
TBVpS10.46
PEG (NY)0.74
PEG (5Y)N/A
Graham Number24.37
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 | 0.32 |
F-Score6
WACC8.77%
ROIC/WACC0.18
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%24.19%
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-ADR / PUK FAQ
What is the ChartMill fundamental rating of PRUDENTIAL PLC-ADR (PUK) stock?
ChartMill assigns a fundamental rating of 5 / 10 to PUK.
What is the valuation status of PRUDENTIAL PLC-ADR (PUK) stock?
ChartMill assigns a valuation rating of 3 / 10 to PRUDENTIAL PLC-ADR (PUK). This can be considered as Overvalued.
How profitable is PRUDENTIAL PLC-ADR (PUK) stock?
PRUDENTIAL PLC-ADR (PUK) has a profitability rating of 5 / 10.
What is the earnings growth outlook for PRUDENTIAL PLC-ADR?
The Earnings per Share (EPS) of PRUDENTIAL PLC-ADR (PUK) is expected to grow by 23% in the next year.
How sustainable is the dividend of PRUDENTIAL PLC-ADR (PUK) stock?
The dividend rating of PRUDENTIAL PLC-ADR (PUK) is 5 / 10 and the dividend payout ratio is 17.05%.