(PRU) Prudential Financial - Overview

Sector: Financial Services | Industry: Insurance - Life | Exchange: NYSE (USA) | Market Cap: 32.465m USD | Total Return: -1.9% in 12m

Stock Insurance, Retirement, Investment, Annuities, Asset Management
Total Rating 38
Safety 57
Buy Signal -0.29
Insurance - Life +7.6
Life & Health Insurance +3.5
Market Cap: 32,465m
Avg Trading Vol: 211M USD
ATR: 2.63%
Peers RS (IBD): 26.2
Risk 5d forecast
Volatility23.3%
Rel. Tail Risk0.95%
Reward TTM
Sharpe Ratio-0.32
Alpha-25.19
Character TTM
Beta1.020
Beta Downside1.673
Drawdowns 3y
Max DD25.66%
CAGR/Max DD0.45
EPS (Earnings per Share) EPS (Earnings per Share) of PRU over the last years for every Quarter: "2021-03": 4.11, "2021-06": 3.79, "2021-09": 3.78, "2021-12": 3.18, "2022-03": 3.17, "2022-06": 1.74, "2022-09": 2.13, "2022-12": 2.42, "2023-03": 2.66, "2023-06": 2.94, "2023-09": 3.44, "2023-12": 2.58, "2024-03": 3.12, "2024-06": 3.39, "2024-09": 3.48, "2024-12": 2.96, "2025-03": 1.96, "2025-06": 1.48, "2025-09": 4.26, "2025-12": 3.3,
EPS CAGR: 1.08%
EPS Trend: 10.0%
Last SUE: -0.09
Qual. Beats: 0
Revenue Revenue of PRU over the last years for every Quarter: 2021-03: 16942, 2021-06: 15917, 2021-09: 21598, 2021-12: 16326, 2022-03: 12297, 2022-06: 11424, 2022-09: 20147, 2022-12: 11911, 2023-03: 15548, 2023-06: 13518, 2023-09: 8442, 2023-12: 15242, 2024-03: 23562, 2024-06: 14935, 2024-09: 19533, 2024-12: 12645, 2025-03: 13537, 2025-06: 13804, 2025-09: 17950, 2025-12: 15676,
Rev. CAGR: 6.69%
Rev. Trend: 25.6%
Last SUE: 1.02
Qual. Beats: 2
Description: PRU Prudential Financial

Prudential Financial Inc. (NYSE: PRU) operates through five main segments-PGIM, Retirement Strategies, Group Insurance, Individual Life, and International Businesses-delivering investment management, retirement solutions, group and individual life insurance, and a range of ancillary health products across the U.S., Japan, and other global markets.

In its latest quarter (Q3 2024), Prudential reported net revenue of $13.6 billion, net income of $1.32 billion, and earnings per share of $5.48, supporting a dividend yield of roughly 5.2% and a return on equity of 10.5%. PGIM’s assets under management grew to $1.5 trillion, driven by strong demand for multi-asset and alternative strategies.

Key industry tailwinds include an aging U.S. population that expands demand for retirement and annuity products, while a recent rise in interest rates is boosting investment income for the PGIM segment but compressing margins for traditional life-insurance underwriting.

For a deeper dive into PRU’s valuation and risk profile, consider exploring the analysis on ValueRay.

Headlines to Watch Out For
  • Interest rate fluctuations impact investment income and annuity sales
  • Global economic slowdown reduces demand for life insurance products
  • Regulatory changes in retirement planning affect product offerings
  • Investment management fees drive PGIM segment revenue
  • Catastrophic events increase insurance claims and payouts
Piotroski VR‑10 (Strict) 5.0
Net Income: 3.58b TTM > 0 and > 6% of Revenue
FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.35 > 1.0
NWC/Revenue: 24.59% < 20% (prev 122.6%; Δ -98.01% < -1%)
CFO/TA 0.01 > 3% & CFO 6.27b > Net Income 3.58b
Net Debt (13.57b) to EBITDA (4.78b): 2.84 < 3
Current Ratio: 2.35 > 1.5 & < 3
Outstanding Shares: last quarter (349.9m) vs 12m ago -2.07% < -2%
Gross Margin: 31.06% > 18% (prev 0.25%; Δ 3.08k% > 0.5%)
Asset Turnover: 8.08% > 50% (prev 9.61%; Δ -1.53% > 0%)
Interest Coverage Ratio: 4.37 > 6 (EBITDA TTM 4.78b / Interest Expense TTM 1.06b)
Altman Z'' 0.36
A: 0.02 (Total Current Assets 26.13b - Total Current Liabilities 11.13b) / Total Assets 773.74b
B: 0.05 (Retained Earnings 34.83b / Total Assets 773.74b)
C: 0.01 (EBIT TTM 4.65b / Avg Total Assets 754.66b)
D: 0.04 (Book Value of Equity 31.76b / Total Liabilities 738.16b)
Altman-Z'' Score: 0.36 = B
Beneish M -2.87
DSRI: 1.44 (Receivables 47.99b/38.55b, Revenue 60.97b/70.67b)
GMI: 0.80 (GM 31.06% / 24.79%)
AQI: 1.12 (AQ_t 0.96 / AQ_t-1 0.86)
SGI: 0.86 (Revenue 60.97b / 70.67b)
TATA: -0.00 (NI 3.58b - CFO 6.27b) / TA 773.74b)
Beneish M-Score: -2.87 (Cap -4..+1) = A
What is the price of PRU shares? As of April 05, 2026, the stock is trading at USD 97.69 with a total of 2,479,596 shares traded.
Over the past week, the price has changed by +4.60%, over one month by -1.18%, over three months by -15.73% and over the past year by -1.92%.
Is PRU a buy, sell or hold? Prudential Financial has received a consensus analysts rating of 3.19. Therefor, it is recommend to hold PRU.
  • StrongBuy: 2
  • Buy: 0
  • Hold: 13
  • Sell: 1
  • StrongSell: 0
What are the forecasts/targets for the PRU price?
Wallstreet Target Price 109.8 12.4%
Analysts Target Price 109.8 12.4%
PRU Fundamental Data Overview as of 31 March 2026
P/E Trailing = 9.3383
P/E Forward = 7.3368
P/S = 0.5302
P/B = 1.0003
P/EG = 1.0785
Revenue TTM = 60.97b USD
EBIT TTM = 4.65b USD
EBITDA TTM = 4.78b USD
Long Term Debt = 21.26b USD (from longTermDebt, last quarter)
Short Term Debt = 11.13b USD (from shortTermDebt, last quarter)
Debt = 33.28b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 13.57b USD (from netDebt column, last quarter)
Enterprise Value = 46.03b USD (32.46b + Debt 33.28b - CCE 19.71b)
Interest Coverage Ratio = 4.37 (Ebit TTM 4.65b / Interest Expense TTM 1.06b)
EV/FCF = 7.34x (Enterprise Value 46.03b / FCF TTM 6.27b)
FCF Yield = 13.62% (FCF TTM 6.27b / Enterprise Value 46.03b)
FCF Margin = 10.29% (FCF TTM 6.27b / Revenue TTM 60.97b)
Net Margin = 5.87% (Net Income TTM 3.58b / Revenue TTM 60.97b)
Gross Margin = 31.06% ((Revenue TTM 60.97b - Cost of Revenue TTM 42.03b) / Revenue TTM)
Gross Margin QoQ = 31.46% (prev 30.85%)
Tobins Q-Ratio = 0.06 (Enterprise Value 46.03b / Total Assets 773.74b)
Interest Expense / Debt = 1.60% (Interest Expense 533.0m / Debt 33.28b)
Taxrate = 22.23% (269.0m / 1.21b)
NOPAT = 3.62b (EBIT 4.65b * (1 - 22.23%))
Current Ratio = 2.35 (Total Current Assets 26.13b / Total Current Liabilities 11.13b)
Debt / Equity = 1.03 (Debt 33.28b / totalStockholderEquity, last quarter 32.44b)
Debt / EBITDA = 2.84 (Net Debt 13.57b / EBITDA 4.78b)
Debt / FCF = 2.16 (Net Debt 13.57b / FCF TTM 6.27b)
Total Stockholder Equity = 31.25b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.47% (Net Income 3.58b / Total Assets 773.74b)
RoE = 11.44% (Net Income TTM 3.58b / Total Stockholder Equity 31.25b)
RoCE = 8.86% (EBIT 4.65b / Capital Employed (Equity 31.25b + L.T.Debt 21.26b))
RoIC = 6.76% (NOPAT 3.62b / Invested Capital 53.54b)
WACC = 5.36% (E(32.46b)/V(65.74b) * Re(9.57%) + D(33.28b)/V(65.74b) * Rd(1.60%) * (1-Tc(0.22)))
Discount Rate = 9.57% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.55%
[DCF] Terminal Value 83.33% ; FCFF base≈7.16b ; Y1≈5.54b ; Y5≈3.52b
[DCF] Fair Price = 272.8 (EV 108.45b - Net Debt 13.57b = Equity 94.88b / Shares 347.8m; r=6.0% [WACC]; 5y FCF grow -26.91% → 3.0% )
EPS Correlation: 10.00 | EPS CAGR: 1.08% | SUE: -0.09 | # QB: 0
Revenue Correlation: 25.61 | Revenue CAGR: 6.69% | SUE: 1.02 | # QB: 2
EPS next Quarter (2026-06-30): EPS=3.64 | Chg7d=+0.000 | Chg30d=-0.077 | Revisions Net=-5 | Analysts=12
EPS current Year (2026-12-31): EPS=14.21 | Chg7d=+0.006 | Chg30d=-0.266 | Revisions Net=-7 | Growth EPS=-1.5% | Growth Revenue=+1.0%
EPS next Year (2027-12-31): EPS=15.35 | Chg7d=+0.004 | Chg30d=-0.189 | Revisions Net=-7 | Growth EPS=+8.0% | Growth Revenue=+3.1%
[Analyst] Revisions Ratio: -1.00 (0 Up / 5 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -1.1% (Discount Rate 9.6% - Earnings Yield 10.7%)
[Growth] Growth Spread = +7.2% (Analyst 6.1% - Implied -1.1%)
External Resources
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