PRU Stock Analysis: Prudential Financial | NYSE
Insurance - Life | NYSE, USA | Market Cap: 41.479m USD | 12M Return: 23.9% | US7443201022 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 228M
EPS Trend: 99.5%
Qual. Beats: 2
Rev. Trend: 40.4%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.6 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 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: 3.92b TTM > 0 and > 6% of Revenue |
| FCF/TA: 14.00 > 0.02 and ΔFCF/TA 1.40k > 1.0 |
| NWC/Revenue: 59.44% < 20% (prev -168.5%; Δ 227.9% < -1%) |
| CFO/TA 14.00 > 3% & CFO 11.0b > Net Income 3.92b |
| Net Debt (7.05b) to EBITDA (3.94b): 1.79 < 3 |
| Current Ratio: 2.85 > 1.5 & < 3 |
| Outstanding Shares: last quarter (348.1m) vs 12m ago -1.92% < -2% |
| Gross Margin: 45.65% > 18% (prev 26.70%; Δ 18.96% > 0.5%) |
| Asset Turnover: 17.06% > 50% (prev 7.84%; Δ 9.22% > 0%) |
| Interest Coverage Ratio: 1.80 > 6 (EBIT TTM 3.81b / Interest Expense TTM 2.11b) |
| A: 49.16 (Total Current Assets 59.4b - Total Current Liabilities 20.9b) / Total Assets 783.6m |
| B: 45.21 (Retained Earnings 35.4b / Total Assets 783.6m) |
| C: 0.01 (EBIT TTM 3.81b / Avg Total Assets 380b) |
| D: 0.00 (Book Value of Equity 2.65b / Total Liabilities 749b) |
| Altman-Z'' = 470.0 = AAA |
| DSRI: 0.84 (Receivables 44.2b/48.6b, Revenue 64.8b/59.5b) |
| GMI: 0.58 (GM 26.70% / 45.65%) |
| AQI: -94.98 (AQ_t -78.22 / AQ_t-1 0.82) |
| SGI: 1.09 (Revenue 64.8b / 59.5b) |
| TATA: -9.00 (NI 3.92b - CFO 11.0b) / TA 783.6m) |
| Beneish M = -61.35 (Cap -4..+1) = AAA |
As of August 10, 2026, the stock is trading at USD 121.28 with a total of 1,131,758 shares traded. Over the past week, the price has changed by -0.66%, over one month by +5.46%, over three months by +21.60% and over the past year by +23.85%.
Current recommended Stop Loss: 116.40 (which is 4% or 1.7 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 | 105.9 | -12.7% |
P/E Trailing = 11.209
P/E Forward = 12.0919
P/S = 0.6554
P/B = 1.3589
P/EG = 1.3431
Revenue TTM = 64.8b USD
EBIT TTM = 3.81b USD
EBITDA TTM = 3.94b USD
Long Term Debt = 21.3b USD (from longTermDebt, last fiscal year)
Short Term Debt = 955.0m USD (from shortTermDebt, last quarter)
Debt = 22.2b USD (corrected: LT Debt 21.3b + ST Debt 955.0m)
Net Debt = 7.05b USD (calculated: Debt 22.2b - CCE 15.2b)
Enterprise Value = 48.5b USD (41.5b + Debt 22.2b - CCE 15.2b)
Interest Coverage Ratio = 1.80 (Ebit TTM 3.81b / Interest Expense TTM 2.11b)
EV/FCF = 4.42x (Enterprise Value 48.5b / FCF TTM 11.0b)
FCF Yield = 22.60% (FCF TTM 11.0b / Enterprise Value 48.5b)
FCF Margin = 16.92% (FCF TTM 11.0b / Revenue TTM 64.8b)
Net Margin = 6.05% (Net Income TTM 3.92b / Revenue TTM 64.8b)
Gross Margin = 45.65% ((Revenue TTM 64.8b - Cost of Revenue TTM 35.2b) / Revenue TTM)
Gross Margin QoQ = none% (prev 38.60%)
Tobins Q-Ratio = 61.93 (set to none) (Enterprise Value 48.5b / Total Assets 783.6m)
Interest Expense / Debt = 9.51% (Interest Expense 2.11b / Debt 22.2b)
Taxrate = 22.01% (1.05b / 4.79b)
NOPAT = 2.97b (EBIT 3.81b * (1 - 22.01%))
Current Ratio = 2.85 (Total Current Assets 59.4b / Total Current Liabilities 20.9b)
Debt / Equity = 8.38 (Debt 22.2b / totalStockholderEquity, last quarter 2.65b)
Debt / EBITDA = 1.79 (Net Debt 7.05b / EBITDA 3.94b)
Debt / FCF = 0.64 (Net Debt 7.05b / FCF TTM 11.0b)
Total Stockholder Equity = 24.8b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.03% (Net Income 3.92b / Total Assets 783.6m)
RoE = 15.80% (Net Income TTM 3.92b / Total Stockholder Equity 24.8b)
RoCE = 8.27% (EBIT 3.81b / Capital Employed (Equity 24.8b + L.T.Debt 21.3b))
RoIC = -13.28% (NOPAT 2.97b / Invested Capital -22.4b)
WACC = 7.74% (E(41.5b)/V(63.7b) * Re(7.92%) + D(22.2b)/V(63.7b) * Rd(9.51%) * (1-Tc(0.22)))
Discount Rate = 7.92% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -98.96 | Cagr: -1.54%
[DCF] Terminal Value 77.97% ; FCFF base≈7.41b ; Y1≈8.50b ; Y5≈12.5b
[DCF] Fair Price = 524.9 (EV 188b - Net Debt 7.05b = Equity 181b / Shares 345.2m; 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: 40.36 | Revenue CAGR: 4.97% | SUE: 0.66 | # QB: 0
EPS current Quarter (2026-09-30): EPS=3.42 | Chg30d=-1.35% | Revisions=-21% | Analysts=15
EPS current Year (2026-12-31): EPS=13.82 | Chg30d=+0.76% | Revisions=+36% | GrowthEPS=-4.2% | GrowthRev=+2.7%
EPS next Year (2027-12-31): EPS=14.60 | Chg30d=-0.05% | Revisions=+0% | GrowthEPS=+5.6% | GrowthRev=+1.2%
[Analyst] Revisions Ratio: +5% (up=18, down=16)