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): 20.78%
EPS Trend (3Y Correlation): 78.4%

PRU Revenue

Revenue Growth (3Y CAGR): -12.92%
Revenue Trend (3Y Correlation): 0.2%

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	35,962m
Sub-Industry	Life & Health Insurance
IPO / Inception	2001-12-13

PRU Stock Ratings

Growth Rating	-3.47%
Fundamental	53.9%
Dividend Rating	73.5%
Return 12m vs S&P 500	-28.5%
Analyst Rating	3.19 of 5

PRU Dividends

Dividend Yield 12m	5.23%
Yield on Cost 5y	10.82%
Annual Growth 5y	4.26%
Payout Consistency	97.8%
Payout Ratio	40.2%

PRU Growth Ratios

Growth Correlation 3m	-27.7%
Growth Correlation 12m	-69.4%
Growth Correlation 5y	74.4%
CAGR 5y	4.07%
CAGR/Max DD 3y (Calmar Ratio)	0.14
CAGR/Mean DD 3y (Pain Ratio)	0.41
Sharpe Ratio 12m	0.19
Alpha	-34.68
Beta	1.021
Volatility	23.93%
Current Volume	1611.3k
Average Volume 20d	1335.9k
Stop Loss	99.1 (-3%)
Signal	-0.01

Piotroski VR‑10 (Strict, 0-10) 2.5

Net Income (1.63b TTM) > 0 and > 6% of Revenue (6% = 3.57b TTM)

FCFTA 0.00 (>2.0%) and ΔFCFTA -0.99pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 6.18% (prev 135.7%; Δ -129.5pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.00 (>3.0%) and CFO 2.08b > Net Income 1.63b (YES >=105%, WARN >=100%)

Net Debt (3.39b) to EBITDA (2.40b) ratio: 1.41 <= 3.0 (WARN <= 3.5)

Current Ratio 1.19 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (354.9m) change vs 12m ago -1.55% (target <= -2.0% for YES)

Gross Margin 26.62% (prev 32.67%; Δ -6.05pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 8.07% (prev 7.78%; Δ 0.29pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

error: Interest Coverage Ratio cannot be calculated (needs EBITDA TTM and Interest Expense TTM)

Altman Z'' 0.24

(A) 0.00 = (Total Current Assets 23.01b - Total Current Liabilities 19.34b) / Total Assets 758.95b

(B) 0.04 = Retained Earnings (Balance) 33.46b / Total Assets 758.95b

(D) 0.04 = Book Value of Equity 29.54b / Total Liabilities 725.84b

Total Rating: 0.24 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 53.93

1. Piotroski 2.50pt = -2.50

2. FCF Yield 5.29% = 2.65

3. FCF Margin 3.50% = 0.88

4. Debt/Equity 0.65 = 2.29

5. Debt/Ebitda 1.41 = 1.11

6. ROIC - WACC (= -3.91)% = -4.89

7. RoE 5.49% = 0.46

8. Rev. Trend 0.21% = 0.02

9. EPS Trend 78.43% = 3.92

What is the price of PRU shares?

As of October 28, 2025, the stock is trading at USD 102.21 with a total of 1,611,300 shares traded.
Over the past week, the price has changed by +0.68%, over one month by -1.56%, over three months by -0.22% and over the past year by -14.65%.

Is Prudential Financial a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, Prudential Financial is currently (October 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 53.93 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 98.47 USD . This means that PRU is currently overvalued and has a potential downside of -3.66%.

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.

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	116.1	13.6%
Analysts Target Price	116.1	13.6%
ValueRay Target Price	108.2	5.8%

PRU Fundamental Data Overview October 27, 2025

Market Cap USD = 35.96b (35.96b USD * 1.0 USD.USD)
P/E Trailing = 22.5066
P/E Forward = 7.3314
P/S = 0.6074
P/B = 1.1731
P/EG = 0.5638
Beta = 1.021
Revenue TTM = 59.46b USD
EBIT TTM = 2.06b USD
EBITDA TTM = 2.40b USD
Long Term Debt = 20.15b USD (from longTermDebt, last quarter)
Short Term Debt = 1.37b USD (from shortTermDebt, last quarter)
Debt = 20.02b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 3.39b USD (from netDebt column, last quarter)
Enterprise Value = 39.35b USD (35.96b + Debt 20.02b - CCE 16.64b)
Interest Coverage Ratio = unknown (Ebit TTM 2.06b / Interest Expense TTM 0.0)
FCF Yield = 5.29% (FCF TTM 2.08b / Enterprise Value 39.35b)
FCF Margin = 3.50% (FCF TTM 2.08b / Revenue TTM 59.46b)
Net Margin = 2.74% (Net Income TTM 1.63b / Revenue TTM 59.46b)
Gross Margin = 26.62% ((Revenue TTM 59.46b - Cost of Revenue TTM 43.63b) / Revenue TTM)
Gross Margin QoQ = 30.64% (prev 31.14%)
Tobins Q-Ratio = 0.05 (Enterprise Value 39.35b / Total Assets 758.95b)
Interest Expense / Debt = 2.21% (Interest Expense 442.0m / Debt 20.02b)
Taxrate = 26.35% (195.0m / 740.0m)
NOPAT = 1.52b (EBIT 2.06b * (1 - 26.35%))
Current Ratio = 1.19 (Total Current Assets 23.01b / Total Current Liabilities 19.34b)
Debt / Equity = 0.65 (Debt 20.02b / totalStockholderEquity, last quarter 30.58b)
Debt / EBITDA = 1.41 (Net Debt 3.39b / EBITDA 2.40b)
Debt / FCF = 1.63 (Net Debt 3.39b / FCF TTM 2.08b)
Total Stockholder Equity = 29.69b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.21% (Net Income 1.63b / Total Assets 758.95b)
RoE = 5.49% (Net Income TTM 1.63b / Total Stockholder Equity 29.69b)
RoCE = 4.14% (EBIT 2.06b / Capital Employed (Equity 29.69b + L.T.Debt 20.15b))
RoIC = 2.95% (NOPAT 1.52b / Invested Capital 51.49b)
WACC = 6.86% (E(35.96b)/V(55.99b) * Re(9.78%) + D(20.02b)/V(55.99b) * Rd(2.21%) * (1-Tc(0.26)))
Discount Rate = 9.78% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -0.85%
[DCF Debug] Terminal Value 71.82% ; FCFE base≈4.86b ; Y1≈4.76b ; Y5≈4.84b
Fair Price DCF = 182.4 (DCF Value 64.21b / Shares Outstanding 351.9m; 5y FCF grow -3.05% → 3.0% )
EPS Correlation: 78.43 | EPS CAGR: 20.78% | SUE: 2.06 | # QB: 1
Revenue Correlation: 0.21 | Revenue CAGR: -12.92% | SUE: 0.09 | # QB: 0

Additional Sources for PRU Stock

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