PRU Stock Analysis: Prudential Financial | NYSE
Insurance - Life | NYSE, USA | Market Cap: 41.842m USD | 12M Return: 23.8% | US7443201022 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 228M
EPS Trend: 99.5%
Qual. Beats: 2
Rev. Trend: 40.4%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Prudential Financial, Inc. (NYSE: PRU) is a large-cap U.S. financial services company founded in 1875 and headquartered in Newark, New Jersey. Operating in the Life & Health Insurance sub-industry, Prudential provides insurance, retirement, and investment products and services to both individual and institutional customers across the United States, Japan, and other international markets through five reportable segments: PGIM (asset management), Retirement Strategies, Group Insurance, Individual Life, and International Businesses.
The companys business model spans the insurance value chain-from product development and underwriting through distribution and investment management. PGIM provides institutional and retail investment solutions across public fixed income, equities, real estate, private credit, and alternatives, while the other segments focus on life insurance, annuities, group disability, supplemental health, and retirement products distributed through proprietary networks, financial professionals, and third-party partnerships.
- Japan life insurance margins and yen exposure lift International segment
- PGIM asset management fees fluctuate with equity and credit markets
- Retirement Strategies spread income expands on higher interest rates
| Net Income: 3.84b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.25 > 1.0 |
| NWC/Revenue: 285.1% < 20% (prev -168.5%; Δ 453.5% < -1%) |
| CFO/TA 0.01 > 3% & CFO 11.0b > Net Income 3.84b |
| Net Debt (-27.8b) to EBITDA (5.28b): -5.26 < 3 |
| Current Ratio: 1.79 > 1.5 & < 3 |
| Outstanding Shares: last quarter (324.6m) vs 12m ago -8.53% < -2% |
| Gross Margin: 30.76% > 18% (prev 26.70%; Δ 4.06% > 0.5%) |
| Asset Turnover: 8.41% > 50% (prev 7.84%; Δ 0.56% > 0%) |
| Interest Coverage Ratio: 2.73 > 6 (EBIT TTM 4.98b / Interest Expense TTM 1.82b) |
| A: 0.24 (Total Current Assets 419b - Total Current Liabilities 234b) / Total Assets 784b |
| B: 0.05 (Retained Earnings 35.4b / Total Assets 784b) |
| C: 0.01 (EBIT TTM 4.98b / Avg Total Assets 771b) |
| D: 0.04 (Book Value of Equity 31.6b / Total Liabilities 752b) |
| Altman-Z'' = 1.78 = BBB |
| DSRI: 0.91 (Receivables 48.0b/48.6b, Revenue 64.8b/59.5b) |
| GMI: 0.87 (GM 26.70% / 30.76%) |
| AQI: 0.56 (AQ_t 0.46 / AQ_t-1 0.82) |
| SGI: 1.09 (Revenue 64.8b / 59.5b) |
| TATA: -0.01 (NI 3.84b - CFO 11.0b) / TA 784b) |
| Beneish M = -3.42 (Cap -4..+1) = AA |
As of August 17, 2026, the stock is trading at USD 125.13 with a total of 893,739 shares traded. Over the past week, the price has changed by +3.17%, over one month by +5.82%, over three months by +23.19% and over the past year by +23.76%.
Current recommended Stop Loss: 121.30 (which is 3.1% or 1.5 ATR below the current price).
Prudential Financial has received a consensus analysts rating of 2.72. Therefore, it is recommended to hold PRU.
- StrongBuy: 1
- Buy: 0
- Hold: 13
- Sell: 1
- StrongSell: 3
| Analysts Target Price | 106.9 | -14.5% |
P/E Trailing = 11.0054
P/E Forward = 11.8624
P/S = 0.6459
P/B = 1.3251
P/EG = 1.3185
Revenue TTM = 64.8b USD
EBIT TTM = 4.98b USD
EBITDA TTM = 5.28b USD
Long Term Debt = 23.5b USD (from longTermDebt, last quarter)
Short Term Debt = 955.0m USD (from shortTermDebt, last quarter)
Debt = 24.4b USD (corrected: LT Debt 23.5b + ST Debt 955.0m)
Net Debt = -27.8b USD (calculated: Debt 24.4b - CCE 52.2b)
Enterprise Value = 14.1b USD (41.8b + Debt 24.4b - CCE 52.2b)
Interest Coverage Ratio = 2.73 (Ebit TTM 4.98b / Interest Expense TTM 1.82b)
EV/FCF = 3.33x (Enterprise Value 14.1b / FCF TTM 4.23b)
FCF Yield = 30.01% (FCF TTM 4.23b / Enterprise Value 14.1b)
FCF Margin = 6.52% (FCF TTM 4.23b / Revenue TTM 64.8b)
Net Margin = 5.93% (Net Income TTM 3.84b / Revenue TTM 64.8b)
Gross Margin = 30.76% ((Revenue TTM 64.8b - Cost of Revenue TTM 44.9b) / Revenue TTM)
Gross Margin QoQ = 32.04% (prev 28.65%)
Tobins Q-Ratio = 0.02 (Enterprise Value 14.1b / Total Assets 784b)
Interest Expense / Debt = 7.45% (Interest Expense 1.82b / Debt 24.4b)
Taxrate = 20.01% (998.0m / 4.99b)
NOPAT = 3.98b (EBIT 4.98b * (1 - 20.01%))
Current Ratio = 1.65 (Total Current Assets 419b / Total Current Liabilities 254b)
Debt / Equity = 0.77 (Debt 24.4b / totalStockholderEquity, last quarter 31.6b)
Debt / EBITDA = -5.26 (Net Debt -27.8b / EBITDA 5.28b)
Debt / FCF = -6.57 (Net Debt -27.8b / FCF TTM 4.23b)
Total Stockholder Equity = 32.0b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.50% (Net Income 3.84b / Total Assets 784b)
RoE = 12.00% (Net Income TTM 3.84b / Total Stockholder Equity 32.0b)
RoCE = 8.97% (EBIT 4.98b / Capital Employed (Equity 32.0b + L.T.Debt 23.5b))
RoIC = 0.73% (NOPAT 3.98b / Invested Capital 548b)
WACC = 7.16% (E(41.8b)/V(66.3b) * Re(7.86%) + D(24.4b)/V(66.3b) * Rd(7.45%) * (1-Tc(0.20)))
Discount Rate = 7.86% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -79.77 | Cagr: -4.55%
[DCF] Terminal Value 77.97% ; FCFF base≈3.40b ; Y1≈3.90b ; Y5≈5.74b
[DCF] Fair Price = 330.8 (EV 86.4b - Net Debt -27.8b = Equity 114b / Shares 345.0m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 99.47 | EPS CAGR: 9.91% | SUE: 2.31 | # QB: 2
Revenue Correlation: 40.43 | Revenue CAGR: 4.98% | SUE: 0.66 | # QB: 0
EPS current Quarter (2026-09-30): EPS=3.31 | Chg30d=-4.24% | Revisions=-21% | Analysts=5
EPS current Year (2026-12-31): EPS=13.90 | Chg30d=+1.23% | Revisions=+36% | GrowthEPS=-3.6% | GrowthRev=+3.3%
EPS next Year (2027-12-31): EPS=14.64 | Chg30d=+0.21% | Revisions=+6% | GrowthEPS=+5.3% | GrowthRev=+0.7%
[Analyst] Revisions Ratio: +8% (up=19, down=16)