(PUK) Prudential - Overview
Exchange: NYSE •
Country: Hong Kong •
Currency: USD •
Type: Common Stock •
ISIN: US74435K2042
Stock: Life Insurance, Health Insurance, Asset Management, Savings, Wealth Protection
Total Rating 62
Risk 21
Buy Signal -0.34
Dividends
| Dividend Yield | 2.10% |
| Yield on Cost 5y | 1.57% |
| Yield CAGR 5y | 10.50% |
| Payout Consistency | 90.2% |
| Payout Ratio | 37.2% |
| Risk 5d forecast | |
|---|---|
| Volatility | 25.9% |
| Relative Tail Risk | 2.29% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 2.53 |
| Alpha | 83.89 |
| Character TTM | |
|---|---|
| Beta | 0.870 |
| Beta Downside | 1.002 |
| Drawdowns 3y | |
|---|---|
| Max DD | 52.25% |
| CAGR/Max DD | 0.05 |
Description: PUK Prudential January 28, 2026
Prudential plc (NYSE: PUK) operates through subsidiaries that deliver life and health insurance, as well as asset-management services, primarily to individuals across Asia and Africa. Its product suite includes savings and investment vehicles, wealth-protection offerings, and foreign-exchange solutions. The firm traces its origins to 1848 and is headquartered in Central Hong Kong, classifying under the GICS “Life & Health Insurance” sub-industry.
According to the FY 2024 annual report (published March 2025), Prudential reported a net profit of US$ 2.1 billion, a 5 % YoY increase driven by a 3 % rise in new business premiums in the Asian market and a combined ratio improvement to 94.8 % (down from 96.3 % in FY 2023). The company’s growth aligns with macro-drivers such as rising middle-class wealth in China and India, an aging population increasing demand for health and longevity products, and a regional shift toward digital distribution channels, which together are projected to boost Asia-Pacific life-insurance premiums by ~6 % CAGR through 2028 (Swiss Re Institute, 2024).
For a deeper quantitative assessment of Prudential’s valuation and risk profile, consult the ValueRay platform.
Piotroski VR‑10 (Strict, 0-10) 5.5
| Net Income: 3.53b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 1.63 > 1.0 |
| NWC/Revenue: 63.55% < 20% (prev 62.15%; Δ 1.40% < -1%) |
| CFO/TA 0.02 > 3% & CFO 3.62b > Net Income 3.53b |
| Net Debt (-310.0m) to EBITDA (13.43b): -0.02 < 3 |
| Current Ratio: 4.25 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.31b) vs 12m ago -4.49% < -2% |
| Gross Margin: 85.83% > 18% (prev 0.37%; Δ 8546 % > 0.5%) |
| Asset Turnover: 12.22% > 50% (prev 5.24%; Δ 6.98% > 0%) |
| Interest Coverage Ratio: 57.62 > 6 (EBITDA TTM 13.43b / Interest Expense TTM 241.0m) |
Altman Z'' 1.25
| A: 0.07 (Total Current Assets 18.51b - Total Current Liabilities 4.35b) / Total Assets 199.12b |
| B: 0.06 (Retained Earnings 12.05b / Total Assets 199.12b) |
| C: 0.08 (EBIT TTM 13.89b / Avg Total Assets 182.29b) |
| D: 0.07 (Book Value of Equity 12.22b / Total Liabilities 179.68b) |
| Altman-Z'' Score: 1.25 = BB |
Beneish M 1.00
| DSRI: 14.91 (Receivables 2.21b/57.8m, Revenue 22.28b/8.67b) |
| GMI: 0.43 (GM 85.83% / 37.25%) |
| AQI: 0.94 (AQ_t 0.90 / AQ_t-1 0.96) |
| SGI: 2.57 (Revenue 22.28b / 8.67b) |
| TATA: -0.00 (NI 3.53b - CFO 3.62b) / TA 199.12b) |
| Beneish M-Score: 9.00 (Cap -4..+1) = D |
What is the price of PUK shares?
As of February 07, 2026, the stock is trading at USD 32.03 with a total of 1,544,117 shares traded.
Over the past week, the price has changed by -4.70%, over one month by -0.68%, over three months by +12.43% and over the past year by +98.69%.
Over the past week, the price has changed by -4.70%, over one month by -0.68%, over three months by +12.43% and over the past year by +98.69%.
Is PUK a buy, sell or hold?
Prudential has received a consensus analysts rating of 4.67.
Therefore, it is recommended to buy PUK.
- StrongBuy: 2
- Buy: 1
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the PUK price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 37 | 15.5% |
| Analysts Target Price | 37 | 15.5% |
| ValueRay Target Price | 40.8 | 27.2% |
PUK Fundamental Data Overview January 31, 2026
P/E Trailing = 12.9222
P/E Forward = 15.1976
P/S = 3.1437
P/B = 2.3419
P/EG = 1.4895
Revenue TTM = 22.28b USD
EBIT TTM = 13.89b USD
EBITDA TTM = 13.43b USD
Long Term Debt = 4.48b USD (from longTermDebt, last quarter)
Short Term Debt = 500.0m USD (from shortTermDebt, last quarter)
Debt = 5.33b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -310.0m USD (from netDebt column, last quarter)
Enterprise Value = 42.17b USD (41.94b + Debt 5.33b - CCE 5.10b)
Interest Coverage Ratio = 57.62 (Ebit TTM 13.89b / Interest Expense TTM 241.0m)
EV/FCF = 13.08x (Enterprise Value 42.17b / FCF TTM 3.22b)
FCF Yield = 7.65% (FCF TTM 3.22b / Enterprise Value 42.17b)
FCF Margin = 14.47% (FCF TTM 3.22b / Revenue TTM 22.28b)
Net Margin = 15.86% (Net Income TTM 3.53b / Revenue TTM 22.28b)
Gross Margin = 85.83% ((Revenue TTM 22.28b - Cost of Revenue TTM 3.16b) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 100.0%)
Tobins Q-Ratio = 0.21 (Enterprise Value 42.17b / Total Assets 199.12b)
Interest Expense / Debt = 1.65% (Interest Expense 87.7m / Debt 5.33b)
Taxrate = 20.39% (351.0m / 1.72b)
NOPAT = 11.06b (EBIT 13.89b * (1 - 20.39%))
Current Ratio = 4.25 (Total Current Assets 18.51b / Total Current Liabilities 4.35b)
Debt / Equity = 0.29 (Debt 5.33b / totalStockholderEquity, last quarter 18.12b)
Debt / EBITDA = -0.02 (Net Debt -310.0m / EBITDA 13.43b)
Debt / FCF = -0.10 (Net Debt -310.0m / FCF TTM 3.22b)
Total Stockholder Equity = 17.40b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.94% (Net Income 3.53b / Total Assets 199.12b)
RoE = 20.30% (Net Income TTM 3.53b / Total Stockholder Equity 17.40b)
RoCE = 63.46% (EBIT 13.89b / Capital Employed (Equity 17.40b + L.T.Debt 4.48b))
RoIC = 50.08% (NOPAT 11.06b / Invested Capital 22.08b)
WACC = 8.24% (E(41.94b)/V(47.27b) * Re(9.12%) + D(5.33b)/V(47.27b) * Rd(1.65%) * (1-Tc(0.20)))
Discount Rate = 9.12% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.52%
[DCF Debug] Terminal Value 77.29% ; FCFF base≈3.22b ; Y1≈3.24b ; Y5≈3.46b
Fair Price DCF = 46.28 (EV 58.12b - Net Debt -310.0m = Equity 58.43b / Shares 1.26b; r=8.24% [WACC]; 5y FCF grow 0.0% → 2.90% )
EPS Correlation: -4.59 | EPS CAGR: -1.57% | SUE: 4.0 | # QB: 1
Revenue Correlation: 2.51 | Revenue CAGR: 22.49% | SUE: N/A | # QB: 0
EPS next Year (2026-12-31): EPS=2.37 | Chg30d=+0.000 | Revisions Net=-1 | Growth EPS=+16.7% | Growth Revenue=+10.1%
P/E Forward = 15.1976
P/S = 3.1437
P/B = 2.3419
P/EG = 1.4895
Revenue TTM = 22.28b USD
EBIT TTM = 13.89b USD
EBITDA TTM = 13.43b USD
Long Term Debt = 4.48b USD (from longTermDebt, last quarter)
Short Term Debt = 500.0m USD (from shortTermDebt, last quarter)
Debt = 5.33b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -310.0m USD (from netDebt column, last quarter)
Enterprise Value = 42.17b USD (41.94b + Debt 5.33b - CCE 5.10b)
Interest Coverage Ratio = 57.62 (Ebit TTM 13.89b / Interest Expense TTM 241.0m)
EV/FCF = 13.08x (Enterprise Value 42.17b / FCF TTM 3.22b)
FCF Yield = 7.65% (FCF TTM 3.22b / Enterprise Value 42.17b)
FCF Margin = 14.47% (FCF TTM 3.22b / Revenue TTM 22.28b)
Net Margin = 15.86% (Net Income TTM 3.53b / Revenue TTM 22.28b)
Gross Margin = 85.83% ((Revenue TTM 22.28b - Cost of Revenue TTM 3.16b) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 100.0%)
Tobins Q-Ratio = 0.21 (Enterprise Value 42.17b / Total Assets 199.12b)
Interest Expense / Debt = 1.65% (Interest Expense 87.7m / Debt 5.33b)
Taxrate = 20.39% (351.0m / 1.72b)
NOPAT = 11.06b (EBIT 13.89b * (1 - 20.39%))
Current Ratio = 4.25 (Total Current Assets 18.51b / Total Current Liabilities 4.35b)
Debt / Equity = 0.29 (Debt 5.33b / totalStockholderEquity, last quarter 18.12b)
Debt / EBITDA = -0.02 (Net Debt -310.0m / EBITDA 13.43b)
Debt / FCF = -0.10 (Net Debt -310.0m / FCF TTM 3.22b)
Total Stockholder Equity = 17.40b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.94% (Net Income 3.53b / Total Assets 199.12b)
RoE = 20.30% (Net Income TTM 3.53b / Total Stockholder Equity 17.40b)
RoCE = 63.46% (EBIT 13.89b / Capital Employed (Equity 17.40b + L.T.Debt 4.48b))
RoIC = 50.08% (NOPAT 11.06b / Invested Capital 22.08b)
WACC = 8.24% (E(41.94b)/V(47.27b) * Re(9.12%) + D(5.33b)/V(47.27b) * Rd(1.65%) * (1-Tc(0.20)))
Discount Rate = 9.12% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.52%
[DCF Debug] Terminal Value 77.29% ; FCFF base≈3.22b ; Y1≈3.24b ; Y5≈3.46b
Fair Price DCF = 46.28 (EV 58.12b - Net Debt -310.0m = Equity 58.43b / Shares 1.26b; r=8.24% [WACC]; 5y FCF grow 0.0% → 2.90% )
EPS Correlation: -4.59 | EPS CAGR: -1.57% | SUE: 4.0 | # QB: 1
Revenue Correlation: 2.51 | Revenue CAGR: 22.49% | SUE: N/A | # QB: 0
EPS next Year (2026-12-31): EPS=2.37 | Chg30d=+0.000 | Revisions Net=-1 | Growth EPS=+16.7% | Growth Revenue=+10.1%