Overview Dividends

(PRU) Prudential Financial - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US7443201022

Insurance, Retirement, Investments, Life, Annuities

PRU EPS (Earnings per Share)

EPS Growth (3Y CAGR): 22.83%
EPS Trend (3Y Correlation): 78.5%

PRU Revenue

Revenue Growth (3Y CAGR): 11.30%
Revenue Trend (3Y Correlation): 26.5%

Risk via 10d forecast
Volatility	21.2%
Value at Risk 5%th	35.7%

Reward
Sharpe Ratio	-0.39
Alpha	-29.10

Character
Hurst Exponent	0.449
Beta	1.021

Drawdowns 3y
Max DD	27.99%
Mean DD	10.07%

Description: PRU Prudential Financial September 29, 2025

Prudential Financial Inc. (NYSE: PRU) operates through five segments-PGIM, Retirement Strategies, Group Insurance, Individual Life, and International Businesses-offering a mix of insurance, annuities, and investment-management solutions across the United States, Japan, and other international markets.

In 2023 the company generated $57.6 billion in revenue and reported a net income of $5.2 billion, with a return on equity of roughly 13 %. PGIM, its investment-management arm, now oversees about $1.5 trillion in assets under management, while the Group Insurance segment contributed over $10 billion in premium revenue, reflecting strong demand for employee benefit products.

The life-and-health insurance sector is being reshaped by three macro drivers: an aging U.S. population that raises demand for retirement and longevity products; a prolonged low-interest-rate environment that compresses traditional underwriting margins and pushes insurers toward fee-based investment services; and tightening regulatory capital standards that favor firms with diversified revenue streams like Prudential’s multi-segment model.

For a deeper quantitative breakdown, you might explore the ValueRay platform’s detailed metrics on PRU’s valuation multiples and cash-flow forecasts.

PRU Stock Overview

Market Cap in USD	36,282m
Sub-Industry	Life & Health Insurance
IPO / Inception	2001-12-13
Return 12m vs S&P 500	-22.1%
Analyst Rating	3.19 of 5

PRU Dividends

Dividend Yield	5.00%
Yield on Cost 5y	9.60%
Yield CAGR 5y	4.26%
Payout Consistency	97.8%
Payout Ratio	38.0%

PRU Growth Ratios

CAGR	4.67%
CAGR/Max DD Calmar Ratio	0.17
CAGR/Mean DD Pain Ratio	0.46
Current Volume	1677.4k
Average Volume	1611.3k

Piotroski VR‑10 (Strict, 0-10) 3.5

Net Income (2.61b TTM) > 0 and > 6% of Revenue (6% = 3.35b TTM)

FCFTA 0.01 (>2.0%) and ΔFCFTA -0.28pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 39.51% (prev 119.2%; Δ -79.72pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.01 (>3.0%) and CFO 5.27b > Net Income 2.61b (YES >=105%, WARN >=100%)

Net Debt (2.71b) to EBITDA (4.20b) ratio: 0.65 <= 3.0 (WARN <= 3.5)

Current Ratio 14.59 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (335.9m) change vs 12m ago -6.35% (target <= -2.0% for YES)

Gross Margin 49.58% (prev 30.24%; Δ 19.34pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 7.28% (prev 8.78%; Δ -1.50pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 2.85 (EBITDA TTM 4.20b / Interest Expense TTM 531.0m) >= 6 (WARN >= 3)

Altman Z'' 0.39

(A) 0.03 = (Total Current Assets 23.72b - Total Current Liabilities 1.63b) / Total Assets 776.30b

(B) 0.04 = Retained Earnings (Balance) 34.41b / Total Assets 776.30b

(D) 0.04 = Book Value of Equity 31.24b / Total Liabilities 741.49b

Total Rating: 0.39 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 56.54

1. Piotroski 3.50pt = -1.50

2. FCF Yield 16.10% = 5.0

3. FCF Margin 9.43% = 2.36

4. Debt/Equity 8.56 = -2.50

5. Debt/Ebitda 0.65 = 2.18

6. ROIC - WACC (= -4.70)% = -5.88

7. RoE 11.53% = 0.96

8. Rev. Trend 26.54% = 1.99

9. EPS Trend 78.45% = 3.92

What is the price of PRU shares?

As of November 11, 2025, the stock is trading at USD 107.00 with a total of 1,677,415 shares traded.
Over the past week, the price has changed by +2.27%, over one month by +7.94%, over three months by +4.95% and over the past year by -10.22%.

Is Prudential Financial a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, Prudential Financial is currently (November 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 56.54 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of PRU is around 103.73 USD . This means that PRU is currently overvalued and has a potential downside of -3.06%.

Is PRU a buy, sell or hold?

Prudential Financial has received a consensus analysts rating of 3.19. Therefor, it is recommend to hold PRU.

Strong Buy: 2
Buy: 0
Hold: 13
Sell: 1
Strong Sell: 0

What are the forecasts/targets for the PRU price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	116.3	8.7%
Analysts Target Price	116.3	8.7%
ValueRay Target Price	114.1	6.7%

PRU Fundamental Data Overview November 01, 2025

Market Cap USD = 36.28b (36.28b USD * 1.0 USD.USD)
P/E Trailing = 14.1219
P/E Forward = 7.3314
P/S = 0.6128
P/B = 1.1731
P/EG = 0.5638
Beta = 1.021
Revenue TTM = 55.91b USD
EBIT TTM = 1.51b USD
EBITDA TTM = 4.20b USD
Long Term Debt = 20.36b USD (from longTermDebt, last fiscal year)
Short Term Debt = 1.39b USD (from shortTermDebt, last quarter)
Debt = 20.18b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.71b USD (from netDebt column, last quarter)
Enterprise Value = 32.75b USD (36.28b + Debt 20.18b - CCE 23.72b)
Interest Coverage Ratio = 2.85 (Ebit TTM 1.51b / Interest Expense TTM 531.0m)
FCF Yield = 16.10% (FCF TTM 5.27b / Enterprise Value 32.75b)
FCF Margin = 9.43% (FCF TTM 5.27b / Revenue TTM 55.91b)
Net Margin = 4.68% (Net Income TTM 2.61b / Revenue TTM 55.91b)
Gross Margin = 49.58% ((Revenue TTM 55.91b - Cost of Revenue TTM 28.19b) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 30.64%)
Tobins Q-Ratio = 0.04 (Enterprise Value 32.75b / Total Assets 776.30b)
Interest Expense / Debt = 2.63% (Interest Expense 531.0m / Debt 20.18b)
Taxrate = 21.07% (382.0m / 1.81b)
NOPAT = 1.19b (EBIT 1.51b * (1 - 21.07%))
Current Ratio = 14.59 (Total Current Assets 23.72b / Total Current Liabilities 1.63b)
Debt / Equity = 8.56 (Debt 20.18b / totalStockholderEquity, last quarter 2.36b)
Debt / EBITDA = 0.65 (Net Debt 2.71b / EBITDA 4.20b)
Debt / FCF = 0.51 (Net Debt 2.71b / FCF TTM 5.27b)
Total Stockholder Equity = 22.67b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.34% (Net Income 2.61b / Total Assets 776.30b)
RoE = 11.53% (Net Income TTM 2.61b / Total Stockholder Equity 22.67b)
RoCE = 3.51% (EBIT 1.51b / Capital Employed (Equity 22.67b + L.T.Debt 20.36b))
RoIC = 2.32% (NOPAT 1.19b / Invested Capital 51.36b)
WACC = 7.03% (E(36.28b)/V(56.46b) * Re(9.78%) + D(20.18b)/V(56.46b) * Rd(2.63%) * (1-Tc(0.21)))
Discount Rate = 9.78% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -3.54%
[DCF Debug] Terminal Value 65.60% ; FCFE base≈6.08b ; Y1≈4.42b ; Y5≈2.48b
Fair Price DCF = 102.4 (DCF Value 36.05b / Shares Outstanding 351.9m; 5y FCF grow -32.14% → 3.0% )
EPS Correlation: 78.45 | EPS CAGR: 22.83% | SUE: 2.50 | # QB: 2
Revenue Correlation: 26.54 | Revenue CAGR: 11.30% | SUE: 0.52 | # QB: 0

Additional Sources for PRU Stock

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