(PRU) Prudential Financial - NYSE
Sector: Financial Services | Industry: Insurance - Life | Exchange: NYSE (USA) | Market Cap: 37.751m USD | Total Return: 6.4% in 12m
Avg Turnover: 193M
EPS Trend: 96.4%
Qual. Beats: 1
Rev. Trend: 31.4%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
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: 3.47b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.26 > 1.0 |
| NWC/Revenue: -350.6% < 20% (prev -150.0%; Δ -200.6% < -1%) |
| CFO/TA 0.01 > 3% & CFO 9.79b > Net Income 3.47b |
| Net Debt (38.0m) to EBITDA (4.90b): 0.01 < 3 |
| Current Ratio: 0.11 > 1.5 & < 3 |
| Outstanding Shares: last quarter (349.4m) vs 12m ago -1.88% < -2% |
| Gross Margin: 32.90% > 18% (prev 27.05%; Δ 5.85% > 0.5%) |
| Asset Turnover: 8.37% > 50% (prev 8.20%; Δ 0.16% > 0%) |
| Interest Coverage Ratio: 2.12 > 6 (EBIT TTM 4.47b / Interest Expense TTM 2.11b) |
| A: -0.29 (Total Current Assets 26.5b - Total Current Liabilities 247b) / Total Assets 765b |
| B: 0.05 (Retained Earnings 34.9b / Total Assets 765b) |
| C: 0.01 (EBIT TTM 4.47b / Avg Total Assets 752b) |
| D: 0.04 (Book Value of Equity 32.0b / Total Liabilities 730b) |
| Altman-Z'' = -1.66 = D |
| DSRI: 0.10 (Receivables 3.63b/47.7b, Revenue 63.0b/60.6b) |
| GMI: 0.82 (GM 27.05% / 32.90%) |
| AQI: 1.17 (AQ_t 0.96 / AQ_t-1 0.82) |
| SGI: 1.04 (Revenue 63.0b / 60.6b) |
| TATA: -0.01 (NI 3.47b - CFO 9.79b) / TA 765b) |
| Beneish M = -3.80 (Cap -4..+1) = AAA |
As of June 22, 2026, the stock is trading at USD 106.53 with a total of 3,583,000 shares traded.
Over the past week, the price has changed by +0.02%,
over one month by +3.61%,
over three months by +14.54% and
over the past year by +6.38%.
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 | 100.5 | -5.7% |
P/E Trailing = 11.1936
P/E Forward = 10.6157
P/S = 0.5965
P/B = 1.1786
P/EG = 1.1796
Revenue TTM = 63.0b USD
EBIT TTM = 4.47b USD
EBITDA TTM = 4.90b USD
Long Term Debt = 21.9b USD (from longTermDebt, last quarter)
Short Term Debt = 946.0m USD (from shortTermDebt, last quarter)
Debt = 22.9b USD (corrected: LT Debt 21.9b + ST Debt 946.0m)
Net Debt = 38.0m USD (calculated: Debt 22.9b - CCE 22.9b)
Enterprise Value = 37.8b USD (37.8b + Debt 22.9b - CCE 22.9b)
Interest Coverage Ratio = 2.12 (Ebit TTM 4.47b / Interest Expense TTM 2.11b)
EV/FCF = 8.71x (Enterprise Value 37.8b / FCF TTM 4.34b)
FCF Yield = 11.48% (FCF TTM 4.34b / Enterprise Value 37.8b)
FCF Margin = 6.89% (FCF TTM 4.34b / Revenue TTM 63.0b)
Net Margin = 5.51% (Net Income TTM 3.47b / Revenue TTM 63.0b)
Gross Margin = 32.90% ((Revenue TTM 63.0b - Cost of Revenue TTM 42.2b) / Revenue TTM)
Gross Margin QoQ = 38.60% (prev 31.46%)
Tobins Q-Ratio = 0.05 (Enterprise Value 37.8b / Total Assets 765b)
Interest Expense / Debt = 9.23% (Interest Expense 2.11b / Debt 22.9b)
Taxrate = 21.33% (975.0m / 4.57b)
NOPAT = 3.51b (EBIT 4.47b * (1 - 21.33%))
Current Ratio = 0.10 (Total Current Assets 26.5b / Total Current Liabilities 266b)
Debt / Equity = 0.72 (Debt 22.9b / totalStockholderEquity, last quarter 32.0b)
Debt / EBITDA = 0.01 (Net Debt 38.0m / EBITDA 4.90b)
Debt / FCF = 0.01 (Net Debt 38.0m / FCF TTM 4.34b)
Total Stockholder Equity = 31.8b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.46% (Net Income 3.47b / Total Assets 765b)
RoE = 10.91% (Net Income TTM 3.47b / Total Stockholder Equity 31.8b)
RoCE = 8.32% (EBIT 4.47b / Capital Employed (Equity 31.8b + L.T.Debt 21.9b))
RoIC = 0.46% (NOPAT 3.51b / Invested Capital 762b)
WACC = 8.35% (E(37.8b)/V(60.6b) * Re(9.01%) + D(22.9b)/V(60.6b) * Rd(9.23%) * (1-Tc(0.21)))
Discount Rate = 9.01% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -98.88 | Cagr: -1.44%
[DCF] Terminal Value 77.97% ; FCFF base≈3.51b ; Y1≈4.02b ; Y5≈5.92b
[DCF] Fair Price = 256.3 (EV 89.1b - Net Debt 38.0m = Equity 89.0b / Shares 347.3m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 96.45 | EPS CAGR: 11.40% | SUE: 2.44 | # QB: 1
Revenue Correlation: 31.41 | Revenue CAGR: 3.79% | SUE: 0.43 | # QB: 0
EPS current Quarter (2026-06-30): EPS=3.35 | Chg30d=-0.01% | Revisions=-29% | Analysts=14
EPS next Quarter (2026-09-30): EPS=3.48 | Chg30d=-0.36% | Revisions=-50% | Analysts=14
EPS current Year (2026-12-31): EPS=13.74 | Chg30d=+1.15% | Revisions=+43% | GrowthEPS=-4.8% | GrowthRev=+2.0%
EPS next Year (2027-12-31): EPS=14.54 | Chg30d=-0.71% | Revisions=-25% | GrowthEPS=+5.8% | GrowthRev=+0.9%
[Analyst] Revisions Ratio: -50%