PRU Stock Analysis: Prudential Financial | NYSE
Insurance - Life | NYSE, USA | Market Cap: 43.687m USD | 12M Return: 20.1% | US7443201022 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 218M
EPS Trend: 99.0%
Qual. Beats: 3
Rev. Trend: 11.7%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 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 that provides insurance, investment management, and retirement products to individual and institutional customers in the United States, Japan, and other international markets. The company operates through five business segments: PGIM (investment management), Retirement Strategies (annuities and retirement products), Group Insurance (group life and disability coverage), Individual Life (life insurance products), and International Businesses (life insurance, retirement, and investment products outside the U.S.). Its products are distributed through proprietary and third-party networks, financial professionals, and strategic partnerships.
Prudential was founded in 1875 and is headquartered in Newark, New Jersey. As a member of the Life & Health Insurance sub-industry within the Financials sector, the company generates revenue through insurance premiums, fees on managed assets, and investment income, with annuities serving as a core retirement income product across both its U.S. and international operations.
- fee revenue benefits from equity market gains and net inflows
- Yen weakness pressures Japan life insurance earnings translation
- Rising rates boost Retirement Strategies fixed annuity sales
| Net Income: 3.78b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA 0.04 > 1.0 |
| NWC/Revenue: 370.2% < 20% (prev -188.6%; Δ 558.8% < -1%) |
| CFO/TA 0.01 > 3% & CFO 10.6b > Net Income 3.78b |
| Net Debt (-28.0b) to EBITDA (5.47b): -5.12 < 3 |
| Current Ratio: 1.99 > 1.5 & < 3 |
| Outstanding Shares: last quarter (346.4m) vs 12m ago -1.87% < -2% |
| Gross Margin: 31.65% > 18% (prev 29.91%; Δ 1.73% > 0.5%) |
| Asset Turnover: 7.93% > 50% (prev 7.46%; Δ 0.46% > 0%) |
| Interest Coverage Ratio: 2.97 > 6 (EBIT TTM 5.35b / Interest Expense TTM 1.80b) |
| A: 0.29 (Total Current Assets 455b - Total Current Liabilities 228b) / Total Assets 771b |
| B: 0.05 (Retained Earnings 36.3b / Total Assets 771b) |
| C: 0.01 (EBIT TTM 5.35b / Avg Total Assets 774b) |
| D: 0.04 (Book Value of Equity 29.5b / Total Liabilities 739b) |
| Altman-Z'' = 2.17 = BBB |
| DSRI: 0.95 (Receivables 49.3b/48.8b, Revenue 61.3b/57.9b) |
| GMI: 0.95 (GM 29.91% / 31.65%) |
| AQI: 0.49 (AQ_t 0.41 / AQ_t-1 0.82) |
| SGI: 1.06 (Revenue 61.3b / 57.9b) |
| TATA: -0.01 (NI 3.78b - CFO 10.6b) / TA 771b) |
| Beneish M = -3.37 (Cap -4..+1) = AA |
As of November 10, 2026, the stock is trading at USD 122.05 with a total of 1,800,537 shares traded. Over the past week, the price has changed by +3.17%, over one month by +7.92%, over three months by +1.10% and over the past year by +20.11%.
Current recommended Stop Loss: 114.20 (which is 6.4% or 2.5 ATR below the current price).
Prudential Financial has received a consensus analysts rating of 2.61. Therefore, it is recommended to hold PRU.
- StrongBuy: 0
- Buy: 0
- Hold: 14
- Sell: 1
- StrongSell: 3
| Analysts Target Price | 110 | -9.9% |
P/E Trailing = 10.7587
P/E Forward = 10.7759
P/S = 0.6698
P/B = 1.2981
P/EG = 0.8761
Revenue TTM = 61.3b USD
EBIT TTM = 5.35b USD
EBITDA TTM = 5.47b USD
Long Term Debt = 21.3b USD (from longTermDebt, last fiscal year)
Short Term Debt = 962.0m USD (from shortTermDebt, last quarter)
Debt = 22.2b USD (corrected: LT Debt 21.3b + ST Debt 962.0m)
Net Debt = -28.0b USD (calculated: Debt 22.2b - CCE 50.2b)
Enterprise Value = 15.7b USD (43.7b + Debt 22.2b - CCE 50.2b)
Interest Coverage Ratio = 2.97 (Ebit TTM 5.35b / Interest Expense TTM 1.80b)
EV/FCF = 4.20x (Enterprise Value 15.7b / FCF TTM 3.73b)
FCF Yield = 23.82% (FCF TTM 3.73b / Enterprise Value 15.7b)
FCF Margin = 6.08% (FCF TTM 3.73b / Revenue TTM 61.3b)
Net Margin = 6.17% (Net Income TTM 3.78b / Revenue TTM 61.3b)
Gross Margin = 31.65% ((Revenue TTM 61.3b - Cost of Revenue TTM 41.9b) / Revenue TTM)
Gross Margin QoQ = 34.65% (prev 32.04%)
Tobins Q-Ratio = 0.02 (Enterprise Value 15.7b / Total Assets 771b)
Interest Expense / Debt = 8.10% (Interest Expense 1.80b / Debt 22.2b)
Taxrate = 18.32% (873.0m / 4.76b)
NOPAT = 4.37b (EBIT 5.35b * (1 - 18.32%))
Current Ratio = 1.83 (Total Current Assets 455b / Total Current Liabilities 248b)
Debt / Equity = 0.75 (Debt 22.2b / totalStockholderEquity, last quarter 29.5b)
Debt / EBITDA = -5.12 (Net Debt -28.0b / EBITDA 5.47b)
Debt / FCF = -7.51 (Net Debt -28.0b / FCF TTM 3.73b)
Total Stockholder Equity = 31.4b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.49% (Net Income 3.78b / Total Assets 771b)
RoE = 12.05% (Net Income TTM 3.78b / Total Stockholder Equity 31.4b)
RoCE = 10.16% (EBIT 5.35b / Capital Employed (Equity 31.4b + L.T.Debt 21.3b))
RoIC = 0.81% (NOPAT 4.37b / Invested Capital 541b)
WACC = 7.12% (E(43.7b)/V(65.9b) * Re(7.38%) + D(22.2b)/V(65.9b) * Rd(8.10%) * (1-Tc(0.18)))
Discount Rate = 7.38% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -75.79 | Cagr: -1.76%
[DCF] Terminal Value 76.45% ; FCFF base≈3.62b ; Y1≈3.88b ; Y5≈4.69b
[DCF] Fair Price = 289.6 (EV 71.9b - Net Debt -28.0b = Equity 99.9b / Shares 345.0m; r=8.35% [WACC [floored]]; 5y FCF grow 8.17% → 2.50% )
EPS Correlation: 98.96 | EPS CAGR: 9.39% | SUE: 1.50 | # QB: 3
Revenue Correlation: 11.70 | Revenue CAGR: 1.12% | SUE: 0.15 | # QB: 0
EPS current Quarter (2027-03-31): EPS=3.21 | Chg30d=-8.40% | Revisions=-55% | Analysts=5
EPS current Year (2026-12-31): EPS=13.70 | Chg30d=-5.41% | Revisions=-64% | GrowthEPS=-5.1% | GrowthRev=-1.3%
EPS next Year (2027-12-31): EPS=13.69 | Chg30d=-7.90% | Revisions=-75% | GrowthEPS=-0.1% | GrowthRev=+2.6%
[Analyst] Revisions Ratio: -77% (up=2, down=26)