(PRU) Prudential Financial - Overview
Stock: Insurance, Annuities, Investment Management, Retirement Plans, Life Insurance
| Risk 5d forecast | |
|---|---|
| Volatility | 27.2% |
| Relative Tail Risk | 1.00% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.05 |
| Alpha | -16.21 |
| Character TTM | |
|---|---|
| Beta | 1.049 |
| Beta Downside | 1.239 |
| Drawdowns 3y | |
|---|---|
| Max DD | 25.66% |
| CAGR/Max DD | 0.21 |
EPS (Earnings per Share)
Revenue
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) 4.5
| Net Income: 3.58b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA -0.77 > 1.0 |
| NWC/Revenue: 41.00% < 20% (prev 122.6%; Δ -81.60% < -1%) |
| CFO/TA 0.00 > 3% & CFO 2.95b > Net Income 3.58b |
| Net Debt (587.0m) to EBITDA (3.62b): 0.16 < 3 |
| Current Ratio: 15.17 > 1.5 & < 3 |
| Outstanding Shares: last quarter (349.9m) vs 12m ago -2.07% < -2% |
| Gross Margin: 47.44% > 18% (prev 0.25%; Δ 4719 % > 0.5%) |
| Asset Turnover: 7.89% > 50% (prev 9.61%; Δ -1.72% > 0%) |
| Interest Coverage Ratio: 3.23 > 6 (EBITDA TTM 3.62b / Interest Expense TTM 1.06b) |
Altman Z'' 0.38
| A: 0.03 (Total Current Assets 26.13b - Total Current Liabilities 1.72b) / Total Assets 773.74b |
| B: 0.04 (Retained Earnings 34.41b / Total Assets 773.74b) |
| C: 0.00 (EBIT TTM 3.44b / Avg Total Assets 754.66b) |
| D: -0.00 (Book Value of Equity -3.08b / Total Liabilities 738.16b) |
| Altman-Z'' Score: 0.38 = B |
What is the price of PRU shares?
Over the past week, the price has changed by +4.34%, over one month by -11.54%, over three months by -2.10% and over the past year by -1.13%.
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 | 114 | 9.5% |
| Analysts Target Price | 114 | 9.5% |
| ValueRay Target Price | 114.5 | 9.9% |
PRU Fundamental Data Overview February 12, 2026
P/E Forward = 7.1788
P/S = 0.6656
P/B = 1.1147
P/EG = 0.5788
Revenue TTM = 59.52b USD
EBIT TTM = 3.44b USD
EBITDA TTM = 3.62b USD
Long Term Debt = 20.41b USD (from longTermDebt, two quarters ago)
Short Term Debt = 1.44b USD (from shortTermDebt, last quarter)
Debt = 20.30b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 587.0m USD (from netDebt column, last quarter)
Enterprise Value = 31.22b USD (37.05b + Debt 20.30b - CCE 26.13b)
Interest Coverage Ratio = 3.23 (Ebit TTM 3.44b / Interest Expense TTM 1.06b)
EV/FCF = 10.58x (Enterprise Value 31.22b / FCF TTM 2.95b)
FCF Yield = 9.46% (FCF TTM 2.95b / Enterprise Value 31.22b)
FCF Margin = 4.96% (FCF TTM 2.95b / Revenue TTM 59.52b)
Net Margin = 6.01% (Net Income TTM 3.58b / Revenue TTM 59.52b)
Gross Margin = 47.44% ((Revenue TTM 59.52b - Cost of Revenue TTM 31.29b) / Revenue TTM)
Gross Margin QoQ = none% (prev 30.85%)
Tobins Q-Ratio = 0.04 (Enterprise Value 31.22b / Total Assets 773.74b)
Interest Expense / Debt = 2.63% (Interest Expense 533.0m / Debt 20.30b)
Taxrate = 22.23% (269.0m / 1.21b)
NOPAT = 2.68b (EBIT 3.44b * (1 - 22.23%))
Current Ratio = 15.17 (Total Current Assets 26.13b / Total Current Liabilities 1.72b)
Debt / Equity = 7.27 (Debt 20.30b / totalStockholderEquity, last quarter 2.79b)
Debt / EBITDA = 0.16 (Net Debt 587.0m / EBITDA 3.62b)
Debt / FCF = 0.20 (Net Debt 587.0m / FCF TTM 2.95b)
Total Stockholder Equity = 23.84b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.47% (Net Income 3.58b / Total Assets 773.74b)
RoE = 15.00% (Net Income TTM 3.58b / Total Stockholder Equity 23.84b)
RoCE = 7.78% (EBIT 3.44b / Capital Employed (Equity 23.84b + L.T.Debt 20.41b))
RoIC = 5.06% (NOPAT 2.68b / Invested Capital 52.93b)
WACC = 7.04% (E(37.05b)/V(57.34b) * Re(9.78%) + D(20.30b)/V(57.34b) * Rd(2.63%) * (1-Tc(0.22)))
Discount Rate = 9.78% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.55%
[DCF Debug] Terminal Value 76.82% ; FCFF base≈5.17b ; Y1≈3.76b ; Y5≈2.11b
Fair Price DCF = 137.0 (EV 48.51b - Net Debt 587.0m = Equity 47.92b / Shares 349.9m; r=7.04% [WACC]; 5y FCF grow -32.14% → 2.90% )
EPS Correlation: 68.61 | EPS CAGR: 1.08% | SUE: -0.23 | # QB: 0
Revenue Correlation: 21.63 | Revenue CAGR: 3.97% | SUE: -0.63 | # QB: 0
EPS next Quarter (2026-03-31): EPS=3.41 | Chg30d=-0.141 | Revisions Net=-2 | Analysts=14
EPS current Year (2026-12-31): EPS=14.54 | Chg30d=-0.409 | Revisions Net=-10 | Growth EPS=+0.8% | Growth Revenue=+0.1%
EPS next Year (2027-12-31): EPS=15.57 | Chg30d=-0.242 | Revisions Net=-5 | Growth EPS=+7.1% | Growth Revenue=+2.7%