PRUDENTIAL PLC-ADR (PUK) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:PUK • US74435K2042

32.13 USD
-0.24 (-0.74%)
Last: Feb 11, 2026, 12:17 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
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. While showing a medium growth rate, PUK is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • PUK had positive earnings in the past year.
  • PUK had a positive operating cash flow in the past year.
  • 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 has a Return On Assets (1.73%) which is in line with its industry peers.
  • PUK has a Return On Equity of 19.04%. This is amongst the best in the industry. PUK outperforms 83.89% of its industry peers.
  • PUK has a Return On Invested Capital (1.59%) which is in line with its industry peers.
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

  • With an excellent Profit Margin value of 26.45%, PUK belongs to the best of the industry, outperforming 97.32% of the companies in the same industry.
  • In the last couple of years the Profit Margin of PUK has grown nicely.
  • PUK has a better Operating Margin (28.82%) than 90.60% 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. 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.
  • The number of shares outstanding for PUK has been reduced compared to 1 year ago.
  • PUK has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, PUK has an improved debt to assets ratio.
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

  • Based on the Altman-Z score of 0.33, we must say that PUK is in the distress zone and has some risk of bankruptcy.
  • PUK's Altman-Z score of 0.33 is fine compared to the rest of the industry. PUK outperforms 71.81% 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 has a Debt to FCF ratio (2.56) which is in line with its industry peers.
  • 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 0.33
ROIC/WACC0.18
WACC8.78%
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

  • A Current Ratio of 0.38 indicates that PUK may have some problems paying its short term obligations.
  • PUK has a Current ratio of 0.38. This is in the better half of the industry: PUK outperforms 72.48% of its industry peers.
  • PUK has a Quick 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.
  • Looking at the Quick ratio, with a value of 0.38, PUK is in the better half of the industry, outperforming 72.48% of the companies in the same industry.
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. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 305.80% over the past year.
  • PUK shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -12.53% yearly.
  • PUK shows a strong growth in Revenue. In the last year, the Revenue has grown by 24.74%.
  • The Revenue for PUK have been decreasing by -33.86% on average. This is quite bad
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 14.25% 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 Y22.8%
EPS Next 2Y16.73%
EPS Next 3Y16.08%
EPS Next 5Y14.25%
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.
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 1 2 3 4

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 17.37, PUK is valued on the expensive side.
  • Compared to the rest of the industry, the Price/Earnings ratio of PUK indicates a slightly more expensive valuation: PUK is more expensive than 64.43% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 28.03, PUK is valued a bit cheaper.
  • With a Price/Forward Earnings ratio of 12.71, PUK is valued correctly.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of PUK is on the same level as its industry peers.
  • PUK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.97.
Industry RankSector Rank
PE 17.37
Fwd PE 12.71
PUK Price Earnings VS Forward Price EarningsPUK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, PUK is valued a bit more expensive than the industry average as 63.09% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 19.51
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

  • 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 16.08% in the coming years.
PEG (NY)0.76
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. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 3.05%, PUK has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.24, PUK pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.80, PUK pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.05%

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
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

  • PUK pays out 17.05% of its income as dividend. This is a 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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PRUDENTIAL PLC-ADR

NYSE:PUK (2/11/2026, 12:17:18 PM)

32.13

-0.24 (-0.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-26
Earnings (Next)03-18
Inst Owners64.31%
Inst Owner Change-0.52%
Ins Owners0.2%
Ins Owner ChangeN/A
Market Cap40.62B
Revenue(TTM)13.04B
Net Income(TTM)3.45B
Analysts86.09
Price Target38.45 (19.67%)
Short Float %0.15%
Short Ratio2.4
Dividend
Industry RankSector Rank
Dividend Yield 3.05%
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)7.03%
PT rev (3m)15.68%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.3%
EPS NY rev (3m)0.21%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.94%
Valuation
Industry RankSector Rank
PE 17.37
Fwd PE 12.71
P/S 3.12
P/FCF 19.51
P/OCF 18.44
P/B 2.24
P/tB 3.06
EV/EBITDA N/A
EPS(TTM)1.85
EY5.76%
EPS(NY)2.53
Fwd EY7.87%
FCF(TTM)1.65
FCFY5.13%
OCF(TTM)1.74
OCFY5.42%
SpS10.31
BVpS14.33
TBVpS10.51
PEG (NY)0.76
PEG (5Y)N/A
Graham Number24.43
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 0.33
F-Score6
WACC8.78%
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 5Y14.25%
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.


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

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

The Price/Earnings (PE) ratio for PRUDENTIAL PLC-ADR (PUK) is 17.37 and the Price/Book (PB) ratio is 2.24.


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%.