(PRU) Prudential Financial - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US7443201022

Insurance, Annuities, Investment Management, Retirement Plans, Life Insurance

Life & Health Insurance
Market Cap in USD: 41,557m

IPO / Inception: 2001-12-13
12m vs SPY: -16.1%

EPS (Earnings per Share)

EPS CAGR: 8.11%
EPS Trend: 59.1%

Last SUE: 2.50
Qual. Beats: 2

Revenue

Rev. CAGR: 2.56%
Rev. Trend: 17.1%

Last SUE: 1.01
Qual. Beats: 1

Dividends

Dividend Yield	5.08%
Yield on Cost 5y	8.10%
Yield CAGR 5y	4.09%
Payout Consistency	97.9%
Payout Ratio	38.3%

Risk via 5d forecast
Volatility	20.9%
Value at Risk 5%th	34.8%
Relative Tail Risk	1.17%

Reward TTM
Sharpe Ratio	0.17
Alpha	-13.65
CAGR/Max DD	0.48

Character TTM
Hurst Exponent	0.425
Beta	0.999
Beta Downside	1.199

Drawdowns 3y
Max DD	25.66%
Mean DD	9.35%
Median DD	7.98%

Description: PRU Prudential Financial December 04, 2025

Prudential Financial Inc. (NYSE: PRU) operates through five segments-PGIM, Retirement Strategies, Group Insurance, Individual Life, and International Businesses-offering a mix of insurance, annuities, and investment-management services across the U.S., Japan, and other global markets. Its PGIM arm delivers public fixed-income, equity, real-estate, private-credit, and multi-asset solutions to both institutional and retail clients, while the Retirement Strategies unit focuses on plan sponsor products and variable/fixed annuities. Group Insurance supplies employer-benefit life, disability, and supplemental health coverages; Individual Life markets variable, universal, and term policies; and the International segment extends life, retirement, and investment products abroad.

Key metrics as of Q3 2024: PRU reported a net income of $1.3 billion, a 12 % year-over-year increase, and a dividend yield near 5.2 %-both above the life-&-health insurance industry averages. PGIM’s assets under management (AUM) grew 8 % YoY to roughly $1.5 trillion, reflecting strong demand for alternative credit amid a low-rate environment. The company’s earnings per share (EPS) is projected to be $5.60 for FY 2025, with a forward price-to-earnings (P/E) of ~9×, indicating relative valuation cheapness compared with peers.

Sector drivers that materially affect PRU include the aging U.S. population, which fuels demand for annuities and long-term care products; the prevailing low-interest-rate backdrop, which compresses traditional life-insurance margins but benefits PGIM’s alternative-credit strategies; and regulatory capital requirements that can shift profitability across the insurance and asset-management divisions. Monitoring shifts in Fed policy and demographic trends will be critical to assessing PRU’s upside potential.

For a deeper quantitative view, you might explore PRU’s detailed metrics on ValueRay.

Piotroski VR‑10 (Strict, 0-10) 4.0

Net Income (2.61b TTM) > 0 and > 6% of Revenue (6% = 3.48b TTM)

FCFTA 0.01 (>2.0%) and ΔFCFTA -0.28pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 38.13% (prev 108.6%; Δ -70.45pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.01 (>3.0%) and CFO 5.27b > Net Income 2.61b (YES >=105%, WARN >=100%)

Net Debt (4.58b) to EBITDA (3.52b) ratio: 1.30 <= 3.0 (WARN <= 3.5)

Current Ratio 14.59 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (353.0m) change vs 12m ago -1.59% (target <= -2.0% for YES)

Gross Margin 29.91% (prev 27.54%; Δ 2.38pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 7.54% (prev 9.64%; Δ -2.10pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 6.20 (EBITDA TTM 3.52b / Interest Expense TTM 531.0m) >= 6 (WARN >= 3)

Altman Z'' 0.40

(A) 0.03 = (Total Current Assets 23.72b - Total Current Liabilities 1.63b) / Total Assets 776.30b

(B) 0.04 = Retained Earnings (Balance) 34.41b / Total Assets 776.30b

(D) 0.04 = Book Value of Equity 31.24b / Total Liabilities 741.49b

Total Rating: 0.40 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 62.69

1. Piotroski 4.0pt

2. FCF Yield 11.43%

3. FCF Margin 9.10%

4. Debt/Equity 0.69

5. Debt/Ebitda 1.30

6. ROIC - WACC (= -1.70)%

7. RoE 8.68%

8. Rev. Trend 17.12%

9. EPS Trend 59.07%

What is the price of PRU shares?

As of January 17, 2026, the stock is trading at USD 117.71 with a total of 1,797,779 shares traded.
Over the past week, the price has changed by -5.41%, over one month by -4.60%, over three months by +13.34% and over the past year by -0.77%.

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.

Strong Buy: 2
Buy: 0
Hold: 13
Sell: 1
Strong Sell: 0

What are the forecasts/targets for the PRU price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	118.7	0.8%
Analysts Target Price	118.7	0.8%
ValueRay Target Price	131.7	11.9%

PRU Fundamental Data Overview January 13, 2026

P/E Trailing = 16.1753
P/E Forward = 8.2034
P/S = 0.7215
P/B = 1.2874
P/EG = 0.6614
Revenue TTM = 57.94b USD
EBIT TTM = 3.29b USD
EBITDA TTM = 3.52b USD
Long Term Debt = 20.41b USD (from longTermDebt, last quarter)
Short Term Debt = 1.64b USD (from shortTermDebt, last quarter)
Debt = 22.05b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 4.58b USD (from netDebt column, last quarter)
Enterprise Value = 46.14b USD (41.56b + Debt 22.05b - CCE 17.47b)
Interest Coverage Ratio = 6.20 (Ebit TTM 3.29b / Interest Expense TTM 531.0m)
EV/FCF = 8.75x (Enterprise Value 46.14b / FCF TTM 5.27b)
FCF Yield = 11.43% (FCF TTM 5.27b / Enterprise Value 46.14b)
FCF Margin = 9.10% (FCF TTM 5.27b / Revenue TTM 57.94b)
Net Margin = 4.51% (Net Income TTM 2.61b / Revenue TTM 57.94b)
Gross Margin = 29.91% ((Revenue TTM 57.94b - Cost of Revenue TTM 40.60b) / Revenue TTM)
Gross Margin QoQ = 30.85% (prev 30.81%)
Tobins Q-Ratio = 0.06 (Enterprise Value 46.14b / Total Assets 776.30b)
Interest Expense / Debt = 2.41% (Interest Expense 531.0m / Debt 22.05b)
Taxrate = 16.78% (299.0m / 1.78b)
NOPAT = 2.74b (EBIT 3.29b * (1 - 16.78%))
Current Ratio = 14.59 (Total Current Assets 23.72b / Total Current Liabilities 1.63b)
Debt / Equity = 0.69 (Debt 22.05b / totalStockholderEquity, last quarter 32.09b)
Debt / EBITDA = 1.30 (Net Debt 4.58b / EBITDA 3.52b)
Debt / FCF = 0.87 (Net Debt 4.58b / FCF TTM 5.27b)
Total Stockholder Equity = 30.11b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.34% (Net Income 2.61b / Total Assets 776.30b)
RoE = 8.68% (Net Income TTM 2.61b / Total Stockholder Equity 30.11b)
RoCE = 6.52% (EBIT 3.29b / Capital Employed (Equity 30.11b + L.T.Debt 20.41b))
RoIC = 5.26% (NOPAT 2.74b / Invested Capital 52.06b)
WACC = 6.97% (E(41.56b)/V(63.61b) * Re(9.60%) + D(22.05b)/V(63.61b) * Rd(2.41%) * (1-Tc(0.17)))
Discount Rate = 9.60% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.11%
[DCF Debug] Terminal Value 77.17% ; FCFF base≈6.08b ; Y1≈4.42b ; Y5≈2.48b
Fair Price DCF = 152.6 (EV 57.98b - Net Debt 4.58b = Equity 53.40b / Shares 349.9m; r=6.97% [WACC]; 5y FCF grow -32.14% → 2.90% )
[DCF Warning] FCF declining rapidly (-32.14%), DCF may be unreliable
EPS Correlation: 59.07 | EPS CAGR: 8.11% | SUE: 2.50 | # QB: 2
Revenue Correlation: 17.12 | Revenue CAGR: 2.56% | SUE: 1.01 | # QB: 1
EPS next Quarter (2026-03-31): EPS=3.56 | Chg30d=-0.039 | Revisions Net=-1 | Analysts=12
EPS next Year (2026-12-31): EPS=14.96 | Chg30d=+0.035 | Revisions Net=+2 | Growth EPS=+3.1% | Growth Revenue=+2.0%

Additional Sources for PRU Stock

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