(PRU) Prudential Financial - Ratings and Ratios
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US7443201022
Insurance, Retirement, Investments, Life, Annuities
Dividends
| Dividend Yield | 4.99% |
| Yield on Cost 5y | 8.72% |
| Yield CAGR 5y | 4.26% |
| Payout Consistency | 97.8% |
| Payout Ratio | 42.3% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 21.4% |
| Value at Risk 5%th | 36.0% |
| Relative Tail Risk | 2.32% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.51 |
| Alpha | -26.52 |
| CAGR/Max DD | 0.25 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.357 |
| Beta | 1.006 |
| Beta Downside | 1.218 |
| Drawdowns 3y | |
|---|---|
| Max DD | 25.66% |
| Mean DD | 9.29% |
| Median DD | 7.44% |
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.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (2.61b TTM) > 0 and > 6% of Revenue (6% = 3.48b TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -0.28pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 38.13% (prev 119.2%; Δ -81.10pp) (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 (4.58b) to EBITDA (3.52b) ratio: 1.30 <= 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 (353.0m) change vs 12m ago -1.59% (target <= -2.0% for YES) |
| Gross Margin 29.91% (prev 30.24%; Δ -0.33pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 7.54% (prev 8.78%; Δ -1.24pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 6.20 (EBITDA TTM 3.52b / Interest Expense TTM 531.0m) >= 6 (WARN >= 3) |
Altman Z'' 0.40
| (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 |
| (C) 0.00 = EBIT TTM 3.29b / Avg Total Assets 768.30b |
| (D) 0.04 = Book Value of Equity 31.24b / Total Liabilities 741.49b |
| Total Rating: 0.40 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 49.35
| 1. Piotroski 3.0pt |
| 2. FCF Yield -45.38% |
| 3. FCF Margin 9.10% |
| 4. Debt/Equity 0.69 |
| 5. Debt/Ebitda 1.30 |
| 6. ROIC - WACC (= -1.61)% |
| 7. RoE 8.68% |
| 8. Rev. Trend 13.79% |
| 9. EPS Trend 14.96% |
What is the price of PRU shares?
As of December 02, 2025, the stock is trading at USD 108.22 with a total of 1,516,279 shares traded.
Over the past week, the price has changed by +0.96%, over one month by +4.80%, over three months by +2.09% and over the past year by -11.35%.
Over the past week, the price has changed by +0.96%, over one month by +4.80%, over three months by +2.09% and over the past year by -11.35%.
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 | 116.6 | 7.7% |
| Analysts Target Price | 116.6 | 7.7% |
| ValueRay Target Price | 116.7 | 7.8% |
PRU Fundamental Data Overview November 26, 2025
Market Cap USD = 37.72b (37.72b USD * 1.0 USD.USD)
P/E Trailing = 14.6836
P/E Forward = 7.4129
P/S = 0.655
P/B = 1.1639
P/EG = 0.598
Beta = 0.97
Revenue TTM = 57.94b USD
EBIT TTM = 3.29b USD
EBITDA TTM = 3.52b USD
Long Term Debt = 20.41b USD (from longTermDebt, last quarter)
Short Term Debt = 1.64b USD (from shortTermDebt, last quarter)
Debt = 22.05b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 4.58b USD (from netDebt column, last quarter)
Enterprise Value = -11.62b USD (37.72b + Debt 22.05b - CCE 71.40b)
Interest Coverage Ratio = 6.20 (Ebit TTM 3.29b / Interest Expense TTM 531.0m)
FCF Yield = -45.38% (FCF TTM 5.27b / Enterprise Value -11.62b)
FCF Margin = 9.10% (FCF TTM 5.27b / Revenue TTM 57.94b)
Net Margin = 4.51% (Net Income TTM 2.61b / Revenue TTM 57.94b)
Gross Margin = 29.91% ((Revenue TTM 57.94b - Cost of Revenue TTM 40.60b) / Revenue TTM)
Gross Margin QoQ = 30.85% (prev 30.81%)
Tobins Q-Ratio = -0.01 (set to none) (Enterprise Value -11.62b / Total Assets 776.30b)
Interest Expense / Debt = 2.41% (Interest Expense 531.0m / Debt 22.05b)
Taxrate = 16.78% (299.0m / 1.78b)
NOPAT = 2.74b (EBIT 3.29b * (1 - 16.78%))
Current Ratio = 14.59 (Total Current Assets 23.72b / Total Current Liabilities 1.63b)
Debt / Equity = 0.69 (Debt 22.05b / totalStockholderEquity, last quarter 32.09b)
Debt / EBITDA = 1.30 (Net Debt 4.58b / EBITDA 3.52b)
Debt / FCF = 0.87 (Net Debt 4.58b / FCF TTM 5.27b)
Total Stockholder Equity = 30.11b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.34% (Net Income 2.61b / Total Assets 776.30b)
RoE = 8.68% (Net Income TTM 2.61b / Total Stockholder Equity 30.11b)
RoCE = 6.52% (EBIT 3.29b / Capital Employed (Equity 30.11b + L.T.Debt 20.41b))
RoIC = 5.26% (NOPAT 2.74b / Invested Capital 52.06b)
WACC = 6.87% (E(37.72b)/V(59.78b) * Re(9.72%) + D(22.05b)/V(59.78b) * Rd(2.41%) * (1-Tc(0.17)))
Discount Rate = 9.72% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.11%
[DCF Debug] Terminal Value 65.83% ; FCFE base≈6.08b ; Y1≈4.42b ; Y5≈2.48b
Fair Price DCF = 103.9 (DCF Value 36.35b / Shares Outstanding 349.9m; 5y FCF grow -32.14% → 3.0% )
EPS Correlation: 14.96 | EPS CAGR: 8.11% | SUE: 0.65 | # QB: 0
Revenue Correlation: 13.79 | Revenue CAGR: 2.56% | SUE: 1.01 | # QB: 1
EPS next Quarter (2026-03-31): EPS=3.60 | Chg30d=+0.066 | Revisions Net=+6 | Analysts=10
EPS next Year (2026-12-31): EPS=14.94 | Chg30d=+0.192 | Revisions Net=+12 | Growth EPS=+2.8% | Growth Revenue=+1.6%
P/E Trailing = 14.6836
P/E Forward = 7.4129
P/S = 0.655
P/B = 1.1639
P/EG = 0.598
Beta = 0.97
Revenue TTM = 57.94b USD
EBIT TTM = 3.29b USD
EBITDA TTM = 3.52b USD
Long Term Debt = 20.41b USD (from longTermDebt, last quarter)
Short Term Debt = 1.64b USD (from shortTermDebt, last quarter)
Debt = 22.05b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 4.58b USD (from netDebt column, last quarter)
Enterprise Value = -11.62b USD (37.72b + Debt 22.05b - CCE 71.40b)
Interest Coverage Ratio = 6.20 (Ebit TTM 3.29b / Interest Expense TTM 531.0m)
FCF Yield = -45.38% (FCF TTM 5.27b / Enterprise Value -11.62b)
FCF Margin = 9.10% (FCF TTM 5.27b / Revenue TTM 57.94b)
Net Margin = 4.51% (Net Income TTM 2.61b / Revenue TTM 57.94b)
Gross Margin = 29.91% ((Revenue TTM 57.94b - Cost of Revenue TTM 40.60b) / Revenue TTM)
Gross Margin QoQ = 30.85% (prev 30.81%)
Tobins Q-Ratio = -0.01 (set to none) (Enterprise Value -11.62b / Total Assets 776.30b)
Interest Expense / Debt = 2.41% (Interest Expense 531.0m / Debt 22.05b)
Taxrate = 16.78% (299.0m / 1.78b)
NOPAT = 2.74b (EBIT 3.29b * (1 - 16.78%))
Current Ratio = 14.59 (Total Current Assets 23.72b / Total Current Liabilities 1.63b)
Debt / Equity = 0.69 (Debt 22.05b / totalStockholderEquity, last quarter 32.09b)
Debt / EBITDA = 1.30 (Net Debt 4.58b / EBITDA 3.52b)
Debt / FCF = 0.87 (Net Debt 4.58b / FCF TTM 5.27b)
Total Stockholder Equity = 30.11b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.34% (Net Income 2.61b / Total Assets 776.30b)
RoE = 8.68% (Net Income TTM 2.61b / Total Stockholder Equity 30.11b)
RoCE = 6.52% (EBIT 3.29b / Capital Employed (Equity 30.11b + L.T.Debt 20.41b))
RoIC = 5.26% (NOPAT 2.74b / Invested Capital 52.06b)
WACC = 6.87% (E(37.72b)/V(59.78b) * Re(9.72%) + D(22.05b)/V(59.78b) * Rd(2.41%) * (1-Tc(0.17)))
Discount Rate = 9.72% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.11%
[DCF Debug] Terminal Value 65.83% ; FCFE base≈6.08b ; Y1≈4.42b ; Y5≈2.48b
Fair Price DCF = 103.9 (DCF Value 36.35b / Shares Outstanding 349.9m; 5y FCF grow -32.14% → 3.0% )
EPS Correlation: 14.96 | EPS CAGR: 8.11% | SUE: 0.65 | # QB: 0
Revenue Correlation: 13.79 | Revenue CAGR: 2.56% | SUE: 1.01 | # QB: 1
EPS next Quarter (2026-03-31): EPS=3.60 | Chg30d=+0.066 | Revisions Net=+6 | Analysts=10
EPS next Year (2026-12-31): EPS=14.94 | Chg30d=+0.192 | Revisions Net=+12 | Growth EPS=+2.8% | Growth Revenue=+1.6%
Additional Sources for PRU Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle