(PRU) Prudential Financial - Overview
Stock: Insurance, Annuities, Investment Management, Retirement Plans, Life Insurance
| Risk 5d forecast | |
|---|---|
| Volatility | 24.4% |
| Relative Tail Risk | 0.94% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.13 |
| Alpha | -16.93 |
| Character TTM | |
|---|---|
| Beta | 1.049 |
| Beta Downside | 1.237 |
| Drawdowns 3y | |
|---|---|
| Max DD | 25.66% |
| CAGR/Max DD | 0.26 |
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) 4.0
| Net Income: 3.58b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA -0.84 > 1.0 |
| NWC/Revenue: 40.03% < 20% (prev 122.6%; Δ -82.57% < -1%) |
| CFO/TA 0.00 > 3% & CFO 2.45b > Net Income 3.58b |
| Net Debt (587.0m) to EBITDA (6.74b): 0.09 < 3 |
| Current Ratio: 15.17 > 1.5 & < 3 |
| Outstanding Shares: last quarter (349.9m) vs 12m ago -2.07% < -2% |
| Gross Margin: 31.06% > 18% (prev 0.25%; Δ 3081 % > 0.5%) |
| Asset Turnover: 8.08% > 50% (prev 9.61%; Δ -1.53% > 0%) |
| Interest Coverage Ratio: 6.34 > 6 (EBITDA TTM 6.74b / Interest Expense TTM 1.06b) |
Altman Z'' 0.46
| A: 0.03 (Total Current Assets 26.13b - Total Current Liabilities 1.72b) / Total Assets 773.74b |
| B: 0.05 (Retained Earnings 34.83b / Total Assets 773.74b) |
| C: 0.01 (EBIT TTM 6.74b / Avg Total Assets 754.66b) |
| D: 0.04 (Book Value of Equity 31.76b / Total Liabilities 738.16b) |
| Altman-Z'' Score: 0.46 = B |
Beneish M -2.96
| DSRI: 1.33 (Receivables 44.08b/38.55b, Revenue 60.97b/70.67b) |
| GMI: 0.80 (GM 31.06% / 24.79%) |
| AQI: 1.12 (AQ_t 0.96 / AQ_t-1 0.86) |
| SGI: 0.86 (Revenue 60.97b / 70.67b) |
| TATA: 0.00 (NI 3.58b - CFO 2.45b) / TA 773.74b) |
| Beneish M-Score: -2.96 (Cap -4..+1) = A |
What is the price of PRU shares?
Over the past week, the price has changed by -0.04%, over one month by -3.92%, over three months by +0.52% and over the past year by -3.11%.
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 | 11% |
| Analysts Target Price | 114 | 11% |
PRU Fundamental Data Overview February 18, 2026
P/E Forward = 7.2674
P/S = 0.5945
P/B = 1.1223
P/EG = 0.586
Revenue TTM = 60.97b USD
EBIT TTM = 6.74b USD
EBITDA TTM = 6.74b USD
Long Term Debt = 21.26b USD (from longTermDebt, last quarter)
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 = 36.99b USD (36.40b + Debt 20.30b - CCE 19.71b)
Interest Coverage Ratio = 6.34 (Ebit TTM 6.74b / Interest Expense TTM 1.06b)
EV/FCF = 15.08x (Enterprise Value 36.99b / FCF TTM 2.45b)
FCF Yield = 6.63% (FCF TTM 2.45b / Enterprise Value 36.99b)
FCF Margin = 4.02% (FCF TTM 2.45b / Revenue TTM 60.97b)
Net Margin = 5.87% (Net Income TTM 3.58b / Revenue TTM 60.97b)
Gross Margin = 31.06% ((Revenue TTM 60.97b - Cost of Revenue TTM 42.03b) / Revenue TTM)
Gross Margin QoQ = 31.46% (prev 30.85%)
Tobins Q-Ratio = 0.05 (Enterprise Value 36.99b / Total Assets 773.74b)
Interest Expense / Debt = 2.63% (Interest Expense 533.0m / Debt 20.30b)
Taxrate = 22.23% (269.0m / 1.21b)
NOPAT = 5.24b (EBIT 6.74b * (1 - 22.23%))
Current Ratio = 15.17 (Total Current Assets 26.13b / Total Current Liabilities 1.72b)
Debt / Equity = 0.63 (Debt 20.30b / totalStockholderEquity, last quarter 32.44b)
Debt / EBITDA = 0.09 (Net Debt 587.0m / EBITDA 6.74b)
Debt / FCF = 0.24 (Net Debt 587.0m / FCF TTM 2.45b)
Total Stockholder Equity = 31.25b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.47% (Net Income 3.58b / Total Assets 773.74b)
RoE = 11.44% (Net Income TTM 3.58b / Total Stockholder Equity 31.25b)
RoCE = 12.84% (EBIT 6.74b / Capital Employed (Equity 31.25b + L.T.Debt 21.26b))
RoIC = 9.79% (NOPAT 5.24b / Invested Capital 53.54b)
WACC = 7.01% (E(36.40b)/V(56.70b) * Re(9.78%) + D(20.30b)/V(56.70b) * 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 76.97% ; FCFF base≈4.87b ; Y1≈3.54b ; Y5≈1.99b
Fair Price DCF = 130.6 (EV 46.03b - Net Debt 587.0m = Equity 45.44b / Shares 348.0m; r=7.01% [WACC]; 5y FCF grow -32.14% → 2.90% )
EPS Correlation: 67.99 | EPS CAGR: 1.08% | SUE: -0.28 | # QB: 0
Revenue Correlation: 25.61 | Revenue CAGR: 6.69% | SUE: 1.08 | # QB: 2
EPS next Quarter (2026-03-31): EPS=3.41 | Chg30d=-0.141 | Revisions Net=-5 | Analysts=14
EPS current Year (2026-12-31): EPS=14.54 | Chg30d=-0.409 | Revisions Net=-11 | Growth EPS=+0.8% | Growth Revenue=+0.1%
EPS next Year (2027-12-31): EPS=15.57 | Chg30d=-0.242 | Revisions Net=-10 | Growth EPS=+7.1% | Growth Revenue=+2.7%