PRUDENTIAL PLC-ADR (PUK) Fundamental Analysis & Valuation

NYSE:PUK • US74435K2042

28.89 USD
-0.65 (-2.2%)
At close: Mar 6, 2026
28.9 USD
+0.01 (+0.03%)
After Hours: 3/6/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

5

Overall PUK gets a fundamental rating of 5 out of 10. We evaluated PUK against 149 industry peers in the Insurance industry. PUK has an average financial health and profitability rating. PUK has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

5

1. PUK Profitability Analysis

1.1 Basic Checks

  • PUK had positive earnings in the past year.
  • In the past year PUK had a positive cash flow from operations.
  • In multiple years PUK reported negative net income over the last 5 years.
  • PUK had a positive operating cash flow in 4 of the past 5 years.
PUK Yearly Net Income VS EBIT VS OCF VS FCFPUK 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

  • PUK's Return On Assets of 1.73% is in line compared to the rest of the industry. PUK outperforms 47.65% of its industry peers.
  • PUK has a better Return On Equity (19.04%) than 81.88% of its industry peers.
  • PUK has a Return On Invested Capital (1.59%) which is comparable to the rest of the industry.
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
PUK Yearly ROA, ROE, ROICPUK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10

1.3 Margins

  • Looking at the Profit Margin, with a value of 26.45%, PUK belongs to the top of the industry, outperforming 95.97% of the companies in the same industry.
  • In the last couple of years the Profit Margin of PUK has grown nicely.
  • The Operating Margin of PUK (28.82%) is better than 89.93% of its industry peers.
  • PUK'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
PUK Yearly Profit, Operating, Gross MarginsPUK 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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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. PUK Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 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
  • The debt/assets ratio for PUK has been reduced compared to a year ago.
PUK Yearly Shares OutstandingPUK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
PUK Yearly Total Debt VS Total AssetsPUK 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

  • PUK has an Altman-Z score of 0.31. This is a bad value and indicates that PUK is not financially healthy and even has some risk of bankruptcy.
  • PUK's Altman-Z score of 0.31 is fine compared to the rest of the industry. PUK outperforms 71.14% of its industry peers.
  • PUK has a debt to FCF ratio of 2.56. This is a good value and a sign of high solvency as PUK would need 2.56 years to pay back of all of its debts.
  • PUK has a Debt to FCF ratio (2.56) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.29 indicates that PUK is not too dependend on debt financing.
  • PUK has a Debt to Equity ratio (0.29) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 2.56
Altman-Z 0.31
ROIC/WACC0.18
WACC8.72%
PUK Yearly LT Debt VS Equity VS FCFPUK 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

  • 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.
  • The Current ratio of PUK (0.38) is better than 70.47% of its industry peers.
  • A Quick Ratio of 0.38 indicates that PUK may have some problems paying its short term obligations.
  • The Quick ratio of PUK (0.38) is better than 70.47% of its industry peers.
Industry RankSector Rank
Current Ratio 0.38
Quick Ratio 0.38
PUK Yearly Current Assets VS Current LiabilitesPUK 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. PUK Growth Analysis

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.
  • PUK shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -12.53% yearly.
  • The Revenue has grown by 24.74% in the past year. This is a very strong growth!
  • 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 15.10% on average over the next years. This is quite good.
  • PUK 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-40.35%
Revenue Next 2Y-19.72%
Revenue Next 3Y-11.25%
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.
  • 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.
PUK Yearly Revenue VS EstimatesPUK 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
PUK Yearly EPS VS EstimatesPUK Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 1 2 3 4

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4

4. PUK Valuation Analysis

4.1 Price/Earnings Ratio

  • PUK is valuated correctly with a Price/Earnings ratio of 15.53.
  • Compared to the rest of the industry, the Price/Earnings ratio of PUK indicates a slightly more expensive valuation: PUK is more expensive than 65.10% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.29. PUK is valued slightly cheaper when compared to this.
  • With a Price/Forward Earnings ratio of 11.41, the valuation of PUK can be described as very reasonable.
  • PUK's Price/Forward Earnings is on the same level as the industry average.
  • When comparing the Price/Forward Earnings ratio of PUK to the average of the S&P500 Index (24.57), we can say PUK is valued rather cheaply.
Industry RankSector Rank
PE 15.53
Fwd PE 11.41
PUK Price Earnings VS Forward Price EarningsPUK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, PUK is valued a bit more expensive than 63.09% of the companies in the same industry.
Industry RankSector Rank
P/FCF 17.5
EV/EBITDA N/A
PUK Per share dataPUK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 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.
  • A more expensive valuation may be justified as PUK's earnings are expected to grow with 16.08% in the coming years.
PEG (NY)0.68
PEG (5Y)N/A
EPS Next 2Y16.73%
EPS Next 3Y16.08%

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

5

5. PUK Dividend Analysis

5.1 Amount

  • PUK has a Yearly Dividend Yield of 3.45%. Purely for dividend investing, there may be better candidates out there.
  • PUK's Dividend Yield is a higher than the industry average which is at 2.68.
  • Compared to an average S&P500 Dividend Yield of 1.82, PUK pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.45%

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
PUK Yearly Dividends per sharePUK Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6

5.3 Sustainability

  • 17.05% of the earnings are spent on dividend by PUK. This is a low number and sustainable payout ratio.
DP17.05%
EPS Next 2Y16.73%
EPS Next 3Y16.08%
PUK Yearly Income VS Free CF VS DividendPUK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B -4B
PUK Dividend Payout.PUK Dividend Payout, showing the Payout Ratio.PUK Dividend Payout.PayoutRetained Earnings

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PUK Fundamentals: All Metrics, Ratios and Statistics

PRUDENTIAL PLC-ADR

NYSE:PUK (3/6/2026, 8:04:00 PM)

After market: 28.9 +0.01 (+0.03%)

28.89

-0.65 (-2.2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)N/A
Earnings (Next)03-18
Inst Owners64.09%
Inst Owner Change2.79%
Ins Owners0.19%
Ins Owner ChangeN/A
Market Cap36.44B
Revenue(TTM)13.04B
Net Income(TTM)3.45B
Analysts85.83
Price Target37.92 (31.26%)
Short Float %0.11%
Short Ratio1.63
Dividend
Industry RankSector Rank
Dividend Yield 3.45%
Yearly Dividend0.2
Dividend Growth(5Y)-20.17%
DP17.05%
Div Incr Years3
Div Non Decr Years3
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)2.96%
PT rev (3m)12.84%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.21%
EPS NY rev (3m)0.33%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.08%
Revenue NY rev (3m)2.02%
Valuation
Industry RankSector Rank
PE 15.53
Fwd PE 11.41
P/S 2.8
P/FCF 17.5
P/OCF 16.54
P/B 2.01
P/tB 2.74
EV/EBITDA N/A
EPS(TTM)1.86
EY6.44%
EPS(NY)2.53
Fwd EY8.77%
FCF(TTM)1.65
FCFY5.71%
OCF(TTM)1.75
OCFY6.05%
SpS10.34
BVpS14.36
TBVpS10.54
PEG (NY)0.68
PEG (5Y)N/A
Graham Number24.52
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 0.31
F-Score6
WACC8.72%
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 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%24.19%
Revenue Next Year-40.35%
Revenue Next 2Y-19.72%
Revenue Next 3Y-11.25%
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.


Can you provide the valuation status for PRUDENTIAL PLC-ADR?

ChartMill assigns a valuation rating of 4 / 10 to PRUDENTIAL PLC-ADR (PUK). This can be considered as Fairly Valued.


How profitable is PRUDENTIAL PLC-ADR (PUK) stock?

PRUDENTIAL PLC-ADR (PUK) has a profitability rating of 5 / 10.


What are the PE and PB ratios of PRUDENTIAL PLC-ADR (PUK) stock?

The Price/Earnings (PE) ratio for PRUDENTIAL PLC-ADR (PUK) is 15.53 and the Price/Book (PB) ratio is 2.01.


Can you provide the dividend sustainability for PUK stock?

The dividend rating of PRUDENTIAL PLC-ADR (PUK) is 5 / 10 and the dividend payout ratio is 17.05%.