PRUDENTIAL PLC-ADR (PUK)
US74435K2042 - ADR
Overall PUK gets a fundamental rating of 3 out of 10. We evaluated PUK against 141 industry peers in the Insurance industry. Both the profitability and financial health of PUK have multiple concerns. PUK is valued expensive and it does not seem to be growing.
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.
In multiple years PUK reported negative operating cash flow during the last 5 years.
1.2 Ratios
PUK's Return On Assets of 0.50% is on the low side compared to the rest of the industry. PUK is outperformed by 64.29% of its industry peers.
The Return On Equity of PUK (5.42%) is worse than 66.43% of its industry peers.
PUK has a Return On Invested Capital of 0.88%. This is comparable to the rest of the industry: PUK outperforms 44.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.5% | ||
| ROE | 5.42% | ||
| ROIC | 0.88% |
ROA(3y)-0.23%
ROA(5y)-0.02%
ROE(3y)-2.81%
ROE(5y)1.15%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
PUK's Profit Margin of 8.44% is in line compared to the rest of the industry. PUK outperforms 56.43% of its industry peers.
PUK's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 17.70%, PUK is in the better half of the industry, outperforming 74.29% of the companies in the same industry.
PUK's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 17.7% | ||
| PM (TTM) | 8.44% | ||
| GM | N/A |
OM growth 3Y43.57%
OM growth 5Y16.17%
PM growth 3Y39.78%
PM growth 5Y7.31%
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 about the same amout of shares outstanding than it did 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.
2.2 Solvency
PUK has a debt to FCF ratio of 2.90. This is a good value and a sign of high solvency as PUK would need 2.90 years to pay back of all of its debts.
The Debt to FCF ratio of PUK (2.90) is worse than 60.00% of its industry peers.
PUK has a Debt/Equity ratio of 0.30. This is a healthy value indicating a solid balance between debt and equity.
PUK has a Debt to Equity ratio of 0.30. This is in the better half of the industry: PUK outperforms 60.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 2.9 | ||
| Altman-Z | N/A |
ROIC/WACC0.11
WACC8%
2.3 Liquidity
A Current Ratio of 0.57 indicates that PUK may have some problems paying its short term obligations.
The Current ratio of PUK (0.57) is better than 75.00% of its industry peers.
A Quick Ratio of 0.57 indicates that PUK may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.57, PUK is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.57 | ||
| Quick Ratio | 0.57 |
3. Growth
3.1 Past
The earnings per share for PUK have decreased strongly by -39.61% in the last year.
The earnings per share for PUK have been decreasing by -16.87% on average. This is quite bad
The Revenue has been growing slightly by 3.04% in the past year.
The Revenue for PUK have been decreasing by -21.54% on average. This is quite bad
EPS 1Y (TTM)-39.61%
EPS 3Y-8.56%
EPS 5Y-16.87%
EPS Q2Q%-87.3%
Revenue 1Y (TTM)3.04%
Revenue growth 3Y-33.5%
Revenue growth 5Y-21.54%
Sales Q2Q%-4.93%
3.2 Future
PUK is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.65% yearly.
PUK is expected to show a very negative growth in Revenue. In the coming years, the Revenue will decrease by -11.66% yearly.
EPS Next Y6.16%
EPS Next 2Y7.33%
EPS Next 3Y9.43%
EPS Next 5Y11.65%
Revenue Next Year-3.43%
Revenue Next 2Y4.6%
Revenue Next 3Y-2.73%
Revenue Next 5Y-11.66%
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
PUK is valuated quite expensively with a Price/Earnings ratio of 25.75.
Based on the Price/Earnings ratio, PUK is valued a bit more expensive than 68.57% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 30.52, PUK is valued at the same level.
A Price/Forward Earnings ratio of 7.77 indicates a rather cheap valuation of PUK.
Based on the Price/Forward Earnings ratio, PUK is valued a bit cheaper than the industry average as 67.86% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.99, PUK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.75 | ||
| Fwd PE | 7.77 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, PUK is valued a bit more expensive than 62.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.42 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)4.18
PEG (5Y)N/A
EPS Next 2Y7.33%
EPS Next 3Y9.43%
5. Dividend
5.1 Amount
PUK has a Yearly Dividend Yield of 2.61%.
PUK's Dividend Yield is a higher than the industry average which is at 5.25.
PUK's Dividend Yield is comparable with the S&P500 average which is at 2.26.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.61% |
5.2 History
The dividend of PUK decreases each year by -21.30%.
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)-21.3%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
64.08% of the earnings are spent on dividend by PUK. This is not a sustainable payout ratio.
DP64.08%
EPS Next 2Y7.33%
EPS Next 3Y9.43%
PRUDENTIAL PLC-ADR
NYSE:PUK (9/13/2024, 8:04:00 PM)
After market: 17.2 +0.72 (+4.37%)16.48
+0.11 (+0.67%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap22.61B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.61% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
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EPS beat(8)
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EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
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Revenue beat(4)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.75 | ||
| Fwd PE | 7.77 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)4.18
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.5% | ||
| ROE | 5.42% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 17.7% | ||
| PM (TTM) | 8.44% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 0.57 | ||
| Quick Ratio | 0.57 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)-39.61%
EPS 3Y-8.56%
EPS 5Y
EPS Q2Q%
EPS Next Y6.16%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)3.04%
Revenue growth 3Y-33.5%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y