PRUDENTIAL PLC-ADR (PUK) Stock Fundamental Analysis
USA - NYSE:PUK - US74435K2042 - ADR
28.56 USD
-0.01 (-0.04%)
28.56 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. PUK has an average financial health and profitability rating. PUK has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year PUK was profitable.
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.
1.2 Ratios
The Return On Assets of PUK (1.73%) is comparable to the rest of the industry.
PUK has a better Return On Equity (19.04%) than 86.99% of its industry peers.
PUK has a Return On Invested Capital (1.59%) which is in line with its industry peers.
| 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
PUK has a better Profit Margin (26.45%) than 97.26% of its industry peers.
In the last couple of years the Profit Margin of PUK has grown nicely.
The Operating Margin of PUK (28.82%) is better than 93.84% 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
PUK has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
PUK has less shares outstanding than it did 1 year ago.
PUK has more shares outstanding than it did 5 years ago.
The debt/assets ratio for PUK has been reduced compared to a year ago.
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 has a Altman-Z score of 0.31. This is in the better half of the industry: PUK outperforms 69.18% 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.
With a Debt to FCF ratio value of 2.56, PUK perfoms like the industry average, outperforming 50.68% of the companies in the same 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 comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 2.56 | ||
| Altman-Z | 0.31 |
ROIC/WACC0.18
WACC8.72%
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.
With a decent Current ratio value of 0.38, PUK is doing good in the industry, outperforming 73.97% of the companies in the same industry.
A Quick Ratio of 0.38 indicates that PUK may have some problems paying its short term obligations.
PUK has a Quick ratio of 0.38. This is in the better half of the industry: PUK outperforms 73.97% 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%.
PUK 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%24.19%
3.2 Future
Based on estimates for the next years, PUK will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.05% on average per year.
Based on estimates for the next years, PUK will show a quite strong growth in Revenue. The Revenue will grow by 15.31% on average per year.
EPS Next Y23.23%
EPS Next 2Y16.48%
EPS Next 3Y16.52%
EPS Next 5Y14.05%
Revenue Next Year-58.13%
Revenue Next 2Y-32.81%
Revenue Next 3Y-21.52%
Revenue Next 5Y15.31%
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.
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
A Price/Earnings ratio of 15.52 indicates a correct valuation of PUK.
Based on the Price/Earnings ratio, PUK is valued a bit more expensive than 60.96% of the companies in the same industry.
PUK is valuated rather cheaply when we compare the Price/Earnings ratio to 26.06, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 11.41, the valuation of PUK can be described as reasonable.
PUK's Price/Forward Earnings ratio is in line with the industry average.
PUK is valuated cheaply when we compare the Price/Forward Earnings ratio to 32.73, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.52 | ||
| Fwd PE | 11.41 |
4.2 Price Multiples
PUK's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.44 | ||
| 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 16.52% in the coming years.
PEG (NY)0.67
PEG (5Y)N/A
EPS Next 2Y16.48%
EPS Next 3Y16.52%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.46%, PUK has a reasonable but not impressive dividend return.
PUK's Dividend Yield is a higher than the industry average which is at 3.38.
PUK's Dividend Yield is a higher than the S&P500 average which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.46% |
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 2Y16.48%
EPS Next 3Y16.52%
28.56
-0.01 (-0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners65.08%
Inst Owner Change-2.04%
Ins Owners0.2%
Ins Owner ChangeN/A
Market Cap36.31B
Revenue(TTM)13.04B
Net Income(TTM)3.45B
Analysts85.45
Price Target33.24 (16.39%)
Short Float %0.21%
Short Ratio3.02
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.46% |
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)-1.33%
PT rev (3m)4.52%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)4.54%
EPS NY rev (3m)3.66%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-2.94%
Revenue NY rev (3m)-63.11%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.52 | ||
| Fwd PE | 11.41 | ||
| P/S | 2.78 | ||
| P/FCF | 17.44 | ||
| P/OCF | 16.48 | ||
| P/B | 2 | ||
| P/tB | 2.73 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.84
EY6.44%
EPS(NY)2.5
Fwd EY8.76%
FCF(TTM)1.64
FCFY5.73%
OCF(TTM)1.73
OCFY6.07%
SpS10.26
BVpS14.25
TBVpS10.45
PEG (NY)0.67
PEG (5Y)N/A
Graham Number24.29
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 | 0.31 |
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 Y23.23%
EPS Next 2Y16.48%
EPS Next 3Y16.52%
EPS Next 5Y14.05%
Revenue 1Y (TTM)24.74%
Revenue growth 3Y-23.5%
Revenue growth 5Y-33.86%
Sales Q2Q%24.19%
Revenue Next Year-58.13%
Revenue Next 2Y-32.81%
Revenue Next 3Y-21.52%
Revenue Next 5Y15.31%
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 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 is the earnings growth outlook for PRUDENTIAL PLC-ADR?
The Earnings per Share (EPS) of PRUDENTIAL PLC-ADR (PUK) is expected to grow by 23.23% 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%.