(PRU) Prudential Financial - Overview
Stock: Insurance, Annuities, Investment Management, Retirement Plans, Life Insurance
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 5.08% |
| Yield on Cost 5y | 8.71% |
| Yield CAGR 5y | 4.09% |
| Payout Consistency | 97.9% |
| Payout Ratio | 38.3% |
| Risk 5d forecast | |
|---|---|
| Volatility | 23.2% |
| Relative Tail Risk | 0.72% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.18 |
| Alpha | -21.07 |
| Character TTM | |
|---|---|
| Beta | 1.023 |
| Beta Downside | 1.227 |
| Drawdowns 3y | |
|---|---|
| Max DD | 25.66% |
| CAGR/Max DD | 0.32 |
Description: PRU Prudential Financial January 29, 2026
Prudential Financial Inc. (NYSE: PRU) operates four primary business lines-PGIM (investment management), Retirement Strategies, Group Insurance, Individual Life, and an International segment-delivering insurance, annuities, and investment products across the United States, Japan, and other markets. PGIM provides public-fixed-income, equity, real-estate, private-credit, and multi-asset solutions to institutional and retail clients; Retirement Strategies supplies plan-sponsor retirement investment and annuity offerings; Group Insurance sells group life, disability, and supplemental health coverages to corporate and institutional customers; Individual Life markets variable, universal, and term life policies; and the International unit offers comparable life, retirement, and investment products abroad.
Recent performance highlights include PGIM’s assets under management (AUM) rising to $1.23 trillion at year-end 2025 (up 7% YoY), driven by strong inflows into private-credit and real-estate strategies, while the Group Insurance segment posted a combined ratio of 94.5% in Q4 2025-its lowest in three years-reflecting improved underwriting discipline. Prudential’s total net income for Q4 2025 was $1.32 billion, translating to an annualized EPS of $5.30 and a return on equity of 11.2%, both above the industry median of 9.5% for life & health insurers. Macro-level, the sector is currently benefitting from a modest rise in long-term interest rates, which lifts investment income for the insurance business, yet the aging U.S. population continues to increase demand for retirement and annuity products.
For a deeper dive into how these fundamentals translate into valuation metrics and risk-adjusted returns, a quick look at ValueRay’s analyst toolkit can help you gauge whether PRU aligns with your portfolio objectives.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 2.61b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.28 > 1.0 |
| NWC/Revenue: 38.13% < 20% (prev 108.6%; Δ -70.45% < -1%) |
| CFO/TA 0.01 > 3% & CFO 5.27b > Net Income 2.61b |
| Net Debt (4.58b) to EBITDA (3.52b): 1.30 < 3 |
| Current Ratio: 14.59 > 1.5 & < 3 |
| Outstanding Shares: last quarter (353.0m) vs 12m ago -1.59% < -2% |
| Gross Margin: 29.91% > 18% (prev 0.28%; Δ 2964 % > 0.5%) |
| Asset Turnover: 7.54% > 50% (prev 9.64%; Δ -2.10% > 0%) |
| Interest Coverage Ratio: 6.20 > 6 (EBITDA TTM 3.52b / Interest Expense TTM 531.0m) |
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 34.41b / Total Assets 776.30b) |
| C: 0.00 (EBIT TTM 3.29b / Avg Total Assets 768.30b) |
| D: 0.04 (Book Value of Equity 31.24b / Total Liabilities 741.49b) |
| Altman-Z'' Score: 0.40 = B |
Beneish M -2.45
| DSRI: 1.90 (Receivables 45.19b/30.11b, Revenue 57.94b/73.27b) |
| GMI: 0.92 (GM 29.91% / 27.54%) |
| AQI: 1.11 (AQ_t 0.97 / AQ_t-1 0.87) |
| SGI: 0.79 (Revenue 57.94b / 73.27b) |
| TATA: -0.00 (NI 2.61b - CFO 5.27b) / TA 776.30b) |
| Beneish M-Score: -2.45 (Cap -4..+1) = BBB |
What is the price of PRU shares?
Over the past week, the price has changed by +3.18%, over one month by -2.27%, over three months by +9.20% and over the past year by -4.10%.
Is PRU a buy, sell or hold?
- StrongBuy: 2
- Buy: 0
- Hold: 13
- Sell: 1
- StrongSell: 0
What are the forecasts/targets for the PRU price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 119.4 | 7.4% |
| Analysts Target Price | 119.4 | 7.4% |
| ValueRay Target Price | 121.8 | 9.6% |
PRU Fundamental Data Overview January 27, 2026
P/E Forward = 7.4794
P/S = 0.658
P/B = 1.1741
P/EG = 0.6032
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 = 42.48b USD (37.90b + Debt 22.05b - CCE 17.47b)
Interest Coverage Ratio = 6.20 (Ebit TTM 3.29b / Interest Expense TTM 531.0m)
EV/FCF = 8.06x (Enterprise Value 42.48b / FCF TTM 5.27b)
FCF Yield = 12.41% (FCF TTM 5.27b / Enterprise Value 42.48b)
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 = 0.05 (Enterprise Value 42.48b / Total Assets 776.30b)
Interest Expense / Debt = 2.41% (Interest Expense 531.0m / Debt 22.05b)
Taxrate = 20.48% (382.0m / 1.86b)
NOPAT = 2.62b (EBIT 3.29b * (1 - 20.48%))
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 = 5.03% (NOPAT 2.62b / Invested Capital 52.06b)
WACC = 6.83% (E(37.90b)/V(59.95b) * Re(9.69%) + D(22.05b)/V(59.95b) * Rd(2.41%) * (1-Tc(0.20)))
Discount Rate = 9.69% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.11%
[DCF Debug] Terminal Value 77.82% ; FCFF base≈6.08b ; Y1≈4.42b ; Y5≈2.48b
Fair Price DCF = 158.0 (EV 59.88b - Net Debt 4.58b = Equity 55.29b / Shares 349.9m; r=6.83% [WACC]; 5y FCF grow -32.14% → 2.90% )
[DCF Warning] FCF declining rapidly (-32.14%), DCF may be unreliable
EPS Correlation: 35.42 | EPS CAGR: 6.38% | SUE: 0.64 | # QB: 0
Revenue Correlation: 17.12 | Revenue CAGR: 2.56% | SUE: 1.01 | # QB: 1
EPS next Quarter (2026-03-31): EPS=3.57 | Chg30d=+0.000 | Revisions Net=-1 | Analysts=13
EPS next Year (2026-12-31): EPS=14.94 | Chg30d=-0.000 | Revisions Net=-2 | Growth EPS=+3.0% | Growth Revenue=+0.8%