PRU Stock Analysis: Prudential Financial | NYSE
Insurance - Life | NYSE, USA | Market Cap: 41.210m USD | 12M Return: 16.3% | US7443201022 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 175M
EPS Trend: 99.5%
Qual. Beats: 2
Rev. Trend: 40.4%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.7 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 that provides insurance, investment management, and retirement products to individual and institutional customers in the United States, Japan, and other international markets. The company operates through five business segments: PGIM (investment management), Retirement Strategies (annuities and retirement products), Group Insurance (group life and disability coverage), Individual Life (life insurance products), and International Businesses (life insurance, retirement, and investment products outside the U.S.). Its products are distributed through proprietary and third-party networks, financial professionals, and strategic partnerships.
Prudential was founded in 1875 and is headquartered in Newark, New Jersey. As a member of the Life & Health Insurance sub-industry within the Financials sector, the company generates revenue through insurance premiums, fees on managed assets, and investment income, with annuities serving as a core retirement income product across both its U.S. and international operations.
- fee revenue benefits from equity market gains and net inflows
- Yen weakness pressures Japan life insurance earnings translation
- Rising rates boost Retirement Strategies fixed annuity sales
| 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 October 06, 2026, the stock is trading at USD 112.60 with a total of 1,873,294 shares traded. Over the past week, the price has changed by -5.73%, over one month by -6.04%, over three months by +0.84% and over the past year by +16.33%.
Current recommended Stop Loss: 109.00 (which is 3.2% 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 | 113.4 | 0.7% |
P/E Trailing = 10.8296
P/E Forward = 9.7752
P/S = 0.6318
P/B = 1.2855
P/EG = 0.6834
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 = 13.5b USD (41.2b + Debt 24.4b - CCE 52.2b)
Interest Coverage Ratio = 2.73 (Ebit TTM 4.98b / Interest Expense TTM 1.82b)
EV/FCF = 3.18x (Enterprise Value 13.5b / FCF TTM 4.23b)
FCF Yield = 31.42% (FCF TTM 4.23b / Enterprise Value 13.5b)
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 13.5b / 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 = 7.18% (E(41.2b)/V(65.6b) * Re(7.91%) + D(24.4b)/V(65.6b) * Rd(7.45%) * (1-Tc(0.20)))
Discount Rate = 7.91% (= 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=3.47 | Chg30d=+0.41% | Revisions=+62% | Analysts=15
EPS current Year (2026-12-31): EPS=14.53 | Chg30d=+0.56% | Revisions=+80% | GrowthEPS=+0.7% | GrowthRev=+3.2%
EPS next Year (2027-12-31): EPS=14.86 | Chg30d=+0.31% | Revisions=+56% | GrowthEPS=+2.3% | GrowthRev=+1.8%
[Analyst] Revisions Ratio: +76% (up=32, down=3)