(PRU) Prudential Financial - Overview
Sector: Financial Services | Industry: Insurance - Life | Exchange: NYSE (USA) | Market Cap: 35.403m USD | Total Return: -0.6% in 12m
Life Insurance, Annuities, Asset Management, Retirement Planning
Total Rating 23
Safety 50
Buy Signal -0.67
Insurance - Life
Industry Rotation: +8.1
Industry Rotation: +8.1
Market Cap:
35.4B
Avg Turnover: 207M
Avg Turnover: 207M
Risk 3d forecast
Volatility21.8%
VaR 5th Pctl3.97%
VaR vs Median10.6%
Reward TTM
Sharpe Ratio-0.06
Rel. Str. IBD30.9
Rel. Str. Peer Group17.5
Character TTM
Beta0.944
Beta Downside1.258
Hurst Exponent0.427
Drawdowns 3y
Max DD25.66%
CAGR/Max DD0.51
CAGR/Mean DD1.51
EPS (Earnings per Share)
EPS CAGR: -0.93%
EPS Trend: 1.2%
EPS Trend: 1.2%
Last SUE: -1.48
Qual. Beats: -1
Qual. Beats: -1
Revenue
Rev. CAGR: 8.53%
Rev. Trend: 20.7%
Rev. Trend: 20.7%
Last SUE: 0.43
Qual. Beats: 0
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Description: PRU Prudential Financial
Prudential Financial, Inc. (PRU) is a global financial services provider operating across investment management, retirement strategies, and insurance sectors. The company manages a diverse portfolio through its PGIM segment, covering public and private asset classes, while offering life, disability, and health insurance products to both individual and institutional clients in the United States and international markets, primarily Japan.
As a major player in the Life & Health Insurance sub-industry, Prudential utilizes a spread-based business model, generating revenue from the difference between investment income earned on premiums and the interest credited to policyholders. The company operates within a highly regulated capital-intensive sector where solvency ratios and interest rate fluctuations significantly impact long-term liability management.
For a deeper look into the companys valuation metrics, consider exploring the data available on ValueRay. Founded in 1875, the Newark-based firm distributes its products through a mix of proprietary networks, third-party professionals, and strategic partnerships.
- Rising interest rates enhance investment yields and spread margins on insurance products
- Japanese market performance and Yen volatility impact international business segment revenue
- Asset management fee growth at PGIM depends on global equity market stability
- Pension risk transfer demand drives institutional retirement strategies revenue growth
- Regulatory shifts in capital requirements influence dividend capacity and share buybacks
Piotroski VR‑10 (Strict)
2.5
| Net Income: 3.47b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 1.17 > 1.0 |
| NWC/Revenue: 40.57% < 20% (prev -150.0%; Δ 190.6% < -1%) |
| CFO/TA 0.01 > 3% & CFO 9.79b > Net Income 3.47b |
| Net Debt (3.89b) to EBITDA (4.90b): 0.79 < 3 |
| Current Ratio: 28.00 > 1.5 & < 3 |
| Outstanding Shares: last quarter (349.4m) vs 12m ago -1.88% < -2% |
| Gross Margin: 32.90% > 18% (prev 0.27%; Δ 3.26k% > 0.5%) |
| Asset Turnover: 8.37% > 50% (prev 8.20%; Δ 0.16% > 0%) |
| Interest Coverage Ratio: 2.79 > 6 (EBITDA TTM 4.90b / Interest Expense TTM 1.60b) |
Altman Z''
0.45
| A: 0.03 (Total Current Assets 26.49b - Total Current Liabilities 946.0m) / Total Assets 765.40b |
| B: 0.05 (Retained Earnings 34.93b / Total Assets 765.40b) |
| C: 0.01 (EBIT TTM 4.47b / Avg Total Assets 752.33b) |
| D: 0.04 (Book Value of Equity 31.49b / Total Liabilities 730.47b) |
| Altman-Z'' Score: 0.45 = B |
Beneish M
-3.83
| DSRI: 0.07 (Receivables 3.63b/47.66b, Revenue 62.96b/60.65b) |
| GMI: 0.82 (GM 32.90% / 27.05%) |
| AQI: 1.17 (AQ_t 0.96 / AQ_t-1 0.82) |
| SGI: 1.04 (Revenue 62.96b / 60.65b) |
| TATA: -0.01 (NI 3.47b - CFO 9.79b) / TA 765.40b) |
| Beneish M-Score: -3.83 (Cap -4..+1) = AAA |
What is the price of PRU shares?
As of May 18, 2026, the stock is trading at USD 101.93 with a total of 2,019,022 shares traded.
Over the past week, the price has changed by +1.11%, over one month by +0.28%, over three months by -1.30% and over the past year by -0.57%.
Over the past week, the price has changed by +1.11%, over one month by +0.28%, over three months by -1.30% and over the past year by -0.57%.
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?
| Analysts Target Price | 99.8 | -2.1% |
Prudential Financial (PRU) - Fundamental Data Overview
as of 18 May 2026
P/E Trailing = 10.4974 P/E Forward = 9.5057
P/S = 0.5594
P/B = 1.095
P/EG = 1.0562
Revenue TTM = 62.96b USD
EBIT TTM = 4.47b USD
EBITDA TTM = 4.90b USD
Long Term Debt = 21.26b USD (from longTermDebt, last fiscal year)
Short Term Debt = 946.0m USD (from shortTermDebt, last quarter)
Debt = 22.21b USD (corrected: LT Debt 21.26b + ST Debt 946.0m)
Net Debt = 3.89b USD (from netDebt column, last quarter)
Enterprise Value = 34.76b USD (35.40b + Debt 22.21b - CCE 22.85b)
Interest Coverage Ratio = 2.79 (Ebit TTM 4.47b / Interest Expense TTM 1.60b)
EV/FCF = 3.55x (Enterprise Value 34.76b / FCF TTM 9.79b)
FCF Yield = 28.15% (FCF TTM 9.79b / Enterprise Value 34.76b)
FCF Margin = 15.54% (FCF TTM 9.79b / Revenue TTM 62.96b)
Net Margin = 5.51% (Net Income TTM 3.47b / Revenue TTM 62.96b)
Gross Margin = 32.90% ((Revenue TTM 62.96b - Cost of Revenue TTM 42.24b) / Revenue TTM)
Gross Margin QoQ = 38.60% (prev 31.46%)
Tobins Q-Ratio = 0.05 (Enterprise Value 34.76b / Total Assets 765.40b)
Interest Expense / Debt = 2.43% (Interest Expense 539.0m / Debt 22.21b)
Taxrate = 17.55% (129.0m / 735.0m)
NOPAT = 3.68b (EBIT 4.47b * (1 - 17.55%))
Current Ratio = 28.00 (Total Current Assets 26.49b / Total Current Liabilities 946.0m)
Debt / Equity = 0.69 (Debt 22.21b / totalStockholderEquity, last quarter 31.98b)
Debt / EBITDA = 0.79 (Net Debt 3.89b / EBITDA 4.90b)
Debt / FCF = 0.40 (Net Debt 3.89b / FCF TTM 9.79b)
Total Stockholder Equity = 31.77b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.46% (Net Income 3.47b / Total Assets 765.40b)
RoE = 10.91% (Net Income TTM 3.47b / Total Stockholder Equity 31.77b)
RoCE = 8.42% (EBIT 4.47b / Capital Employed (Equity 31.77b + L.T.Debt 21.26b))
RoIC = 6.82% (NOPAT 3.68b / Invested Capital 53.97b)
WACC = 6.49% (E(35.40b)/V(57.61b) * Re(9.30%) + D(22.21b)/V(57.61b) * Rd(2.43%) * (1-Tc(0.18)))
Discount Rate = 9.30% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -98.88 | Cagr: -1.44%
[DCF] Terminal Value 84.59% ; FCFF base≈6.18b ; Y1≈6.32b ; Y5≈7.02b
[DCF] Fair Price = 504.5 (EV 179.13b - Net Debt 3.89b = Equity 175.24b / Shares 347.3m; r=6.49% [WACC]; 5y FCF grow 2.18% → 3.0% )
EPS Correlation: 1.23 | EPS CAGR: -0.93% | SUE: -1.48 | # QB: -1
Revenue Correlation: 20.66 | Revenue CAGR: 8.53% | SUE: 0.43 | # QB: 0
EPS current Quarter (2026-06-30): EPS=3.34 | Chg30d=-4.86% | Revisions=-69% | Analysts=13
EPS next Quarter (2026-09-30): EPS=3.48 | Chg30d=-5.98% | Revisions=-71% | Analysts=13
EPS current Year (2026-12-31): EPS=13.58 | Chg30d=-2.86% | Revisions=-76% | GrowthEPS=-5.9% | GrowthRev=+3.5%
EPS next Year (2027-12-31): EPS=14.63 | Chg30d=-3.85% | Revisions=-79% | GrowthEPS=+7.8% | GrowthRev=-1.0%
[Analyst] Revisions Ratio: -79%