(PRU) Prudential Financial - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US7443201022
Stock: Insurance, Retirement, Investment, Annuities, Asset Management
Total Rating 25
Risk 58
Buy Signal -0.08
| Risk 5d forecast | |
|---|---|
| Volatility | 25.3% |
| Relative Tail Risk | 1.74% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.22 |
| Alpha | -24.70 |
| Character TTM | |
|---|---|
| Beta | 1.032 |
| Beta Downside | 1.632 |
| Drawdowns 3y | |
|---|---|
| Max DD | 25.66% |
| CAGR/Max DD | 0.33 |
EPS (Earnings per Share)
Revenue
Description: PRU Prudential Financial February 28, 2026
Prudential Financial Inc. (NYSE: PRU) operates through five main segments-PGIM, Retirement Strategies, Group Insurance, Individual Life, and International Businesses-delivering investment management, retirement solutions, group and individual life insurance, and a range of ancillary health products across the U.S., Japan, and other global markets.
In its latest quarter (Q3 2024), Prudential reported net revenue of $13.6 billion, net income of $1.32 billion, and earnings per share of $5.48, supporting a dividend yield of roughly 5.2% and a return on equity of 10.5%. PGIM’s assets under management grew to $1.5 trillion, driven by strong demand for multi-asset and alternative strategies.
Key industry tailwinds include an aging U.S. population that expands demand for retirement and annuity products, while a recent rise in interest rates is boosting investment income for the PGIM segment but compressing margins for traditional life-insurance underwriting.
For a deeper dive into PRU’s valuation and risk profile, consider exploring the analysis on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income: 3.58b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.35 > 1.0 |
| NWC/Revenue: 24.59% < 20% (prev 122.6%; Δ -98.01% < -1%) |
| CFO/TA 0.01 > 3% & CFO 6.27b > Net Income 3.58b |
| Net Debt (13.57b) to EBITDA (4.78b): 2.84 < 3 |
| Current Ratio: 2.35 > 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: 4.37 > 6 (EBITDA TTM 4.78b / Interest Expense TTM 1.06b) |
Altman Z'' 0.36
| A: 0.02 (Total Current Assets 26.13b - Total Current Liabilities 11.13b) / Total Assets 773.74b |
| B: 0.05 (Retained Earnings 34.83b / Total Assets 773.74b) |
| C: 0.01 (EBIT TTM 4.65b / Avg Total Assets 754.66b) |
| D: 0.04 (Book Value of Equity 31.76b / Total Liabilities 738.16b) |
| Altman-Z'' Score: 0.36 = B |
Beneish M -2.87
| DSRI: 1.44 (Receivables 47.99b/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 6.27b) / TA 773.74b) |
| Beneish M-Score: -2.87 (Cap -4..+1) = A |
What is the price of PRU shares?
As of March 06, 2026, the stock is trading at USD 99.14 with a total of 2,574,414 shares traded.
Over the past week, the price has changed by -3.10%, over one month by +0.67%, over three months by -10.02% and over the past year by -5.66%.
Over the past week, the price has changed by -3.10%, over one month by +0.67%, over three months by -10.02% and over the past year by -5.66%.
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.
- 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 | 112.4 | 13.3% |
| Analysts Target Price | 112.4 | 13.3% |
PRU Fundamental Data Overview March 05, 2026
P/E Trailing = 10.0051
P/E Forward = 6.9444
P/S = 0.5612
P/B = 1.0723
P/EG = 0.5599
Revenue TTM = 60.97b USD
EBIT TTM = 4.65b USD
EBITDA TTM = 4.78b USD
Long Term Debt = 21.26b USD (from longTermDebt, last quarter)
Short Term Debt = 11.13b USD (from shortTermDebt, last quarter)
Debt = 33.28b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 13.57b USD (from netDebt column, last quarter)
Enterprise Value = 47.93b USD (34.37b + Debt 33.28b - CCE 19.71b)
Interest Coverage Ratio = 4.37 (Ebit TTM 4.65b / Interest Expense TTM 1.06b)
EV/FCF = 7.64x (Enterprise Value 47.93b / FCF TTM 6.27b)
FCF Yield = 13.08% (FCF TTM 6.27b / Enterprise Value 47.93b)
FCF Margin = 10.29% (FCF TTM 6.27b / 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 = 0.06 (Enterprise Value 47.93b / Total Assets 773.74b)
Interest Expense / Debt = 1.60% (Interest Expense 533.0m / Debt 33.28b)
Taxrate = 22.23% (269.0m / 1.21b)
NOPAT = 3.62b (EBIT 4.65b * (1 - 22.23%))
Current Ratio = 2.35 (Total Current Assets 26.13b / Total Current Liabilities 11.13b)
Debt / Equity = 1.03 (Debt 33.28b / totalStockholderEquity, last quarter 32.44b)
Debt / EBITDA = 2.84 (Net Debt 13.57b / EBITDA 4.78b)
Debt / FCF = 2.16 (Net Debt 13.57b / FCF TTM 6.27b)
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 = 8.86% (EBIT 4.65b / Capital Employed (Equity 31.25b + L.T.Debt 21.26b))
RoIC = 6.76% (NOPAT 3.62b / Invested Capital 53.54b)
WACC = 5.27% (E(34.37b)/V(67.65b) * Re(9.17%) + D(33.28b)/V(67.65b) * Rd(1.60%) * (1-Tc(0.22)))
Discount Rate = 9.17% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.55%
[DCF] Terminal Value 83.32% ; FCFF base≈7.16b ; Y1≈5.54b ; Y5≈3.51b
[DCF] Fair Price = 273.1 (EV 108.59b - Net Debt 13.57b = Equity 95.03b / Shares 348.0m; r=5.90% [WACC]; 5y FCF grow -26.91% → 2.90% )
EPS Correlation: 8.39 | EPS CAGR: -5.64% | SUE: -0.95 | # QB: 0
Revenue Correlation: 25.61 | Revenue CAGR: 6.69% | SUE: 1.02 | # QB: 2
EPS next Quarter (2026-06-30): EPS=3.71 | Chg7d=-0.001 | Chg30d=-0.109 | Revisions Net=-7 | Analysts=12
EPS current Year (2026-12-31): EPS=14.40 | Chg7d=-0.069 | Chg30d=-0.530 | Revisions Net=-10 | Growth EPS=-0.2% | Growth Revenue=+0.4%
EPS next Year (2027-12-31): EPS=15.49 | Chg7d=-0.049 | Chg30d=-0.312 | Revisions Net=-10 | Growth EPS=+7.5% | Growth Revenue=+2.5%
[Analyst] Revisions Ratio: -0.78 (1 Up / 8 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -0.8% (Discount Rate 9.2% - Earnings Yield 10.0%)
[Growth] Growth Spread = +5.3% (Analyst 4.5% - Implied -0.8%)
P/E Forward = 6.9444
P/S = 0.5612
P/B = 1.0723
P/EG = 0.5599
Revenue TTM = 60.97b USD
EBIT TTM = 4.65b USD
EBITDA TTM = 4.78b USD
Long Term Debt = 21.26b USD (from longTermDebt, last quarter)
Short Term Debt = 11.13b USD (from shortTermDebt, last quarter)
Debt = 33.28b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 13.57b USD (from netDebt column, last quarter)
Enterprise Value = 47.93b USD (34.37b + Debt 33.28b - CCE 19.71b)
Interest Coverage Ratio = 4.37 (Ebit TTM 4.65b / Interest Expense TTM 1.06b)
EV/FCF = 7.64x (Enterprise Value 47.93b / FCF TTM 6.27b)
FCF Yield = 13.08% (FCF TTM 6.27b / Enterprise Value 47.93b)
FCF Margin = 10.29% (FCF TTM 6.27b / 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 = 0.06 (Enterprise Value 47.93b / Total Assets 773.74b)
Interest Expense / Debt = 1.60% (Interest Expense 533.0m / Debt 33.28b)
Taxrate = 22.23% (269.0m / 1.21b)
NOPAT = 3.62b (EBIT 4.65b * (1 - 22.23%))
Current Ratio = 2.35 (Total Current Assets 26.13b / Total Current Liabilities 11.13b)
Debt / Equity = 1.03 (Debt 33.28b / totalStockholderEquity, last quarter 32.44b)
Debt / EBITDA = 2.84 (Net Debt 13.57b / EBITDA 4.78b)
Debt / FCF = 2.16 (Net Debt 13.57b / FCF TTM 6.27b)
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 = 8.86% (EBIT 4.65b / Capital Employed (Equity 31.25b + L.T.Debt 21.26b))
RoIC = 6.76% (NOPAT 3.62b / Invested Capital 53.54b)
WACC = 5.27% (E(34.37b)/V(67.65b) * Re(9.17%) + D(33.28b)/V(67.65b) * Rd(1.60%) * (1-Tc(0.22)))
Discount Rate = 9.17% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.55%
[DCF] Terminal Value 83.32% ; FCFF base≈7.16b ; Y1≈5.54b ; Y5≈3.51b
[DCF] Fair Price = 273.1 (EV 108.59b - Net Debt 13.57b = Equity 95.03b / Shares 348.0m; r=5.90% [WACC]; 5y FCF grow -26.91% → 2.90% )
EPS Correlation: 8.39 | EPS CAGR: -5.64% | SUE: -0.95 | # QB: 0
Revenue Correlation: 25.61 | Revenue CAGR: 6.69% | SUE: 1.02 | # QB: 2
EPS next Quarter (2026-06-30): EPS=3.71 | Chg7d=-0.001 | Chg30d=-0.109 | Revisions Net=-7 | Analysts=12
EPS current Year (2026-12-31): EPS=14.40 | Chg7d=-0.069 | Chg30d=-0.530 | Revisions Net=-10 | Growth EPS=-0.2% | Growth Revenue=+0.4%
EPS next Year (2027-12-31): EPS=15.49 | Chg7d=-0.049 | Chg30d=-0.312 | Revisions Net=-10 | Growth EPS=+7.5% | Growth Revenue=+2.5%
[Analyst] Revisions Ratio: -0.78 (1 Up / 8 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -0.8% (Discount Rate 9.2% - Earnings Yield 10.0%)
[Growth] Growth Spread = +5.3% (Analyst 4.5% - Implied -0.8%)