PUK Stock Analysis: Prudential | NYSE
Insurance - Life | NYSE, USA | Market Cap: 35.245m USD | 12M Return: 16.5% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 22.8M
Rev. Trend: 80.7%
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 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 plc is a life and health insurance and asset management provider focused on individuals in Asia and Africa. Its offerings span savings and investments products, alongside wealth, health, and protection solutions. The company was founded in 1848 and is headquartered in Central, Hong Kong, with its shares trading on the NYSE as an ADR under the ticker PUK.
Operating within the Life & Health Insurance sub-industry of the financials sector, Prudentials business model combines insurance underwriting with fee-based asset management, generating revenue from premiums and from the management of invested policyholder funds. Its focus on Asia and Africa targets markets characterized by low insurance penetration and growing middle-class demand for retirement, savings, and health coverage.
- Asia life insurance premium growth drives new business value
- Eastspring asset management AUM expansion boosts fee income
- Hong Kong regulatory shifts reshape product distribution and margins
| Net Income: 3.98b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.80 > 1.0 |
| NWC/Revenue: -589.2% < 20% (prev 75.64%; Δ -664.8% < -1%) |
| CFO/TA 0.01 > 3% & CFO 2.26b > Net Income 3.98b |
| Net Debt (-815.4m) to EBITDA (4.94b): -0.17 < 3 |
| Current Ratio: 0.07 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.29b) vs 12m ago -6.33% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 14.11% > 50% (prev 4.48%; Δ 9.64% > 0%) |
| Interest Coverage Ratio: 26.95 > 6 (EBIT TTM 4.94b / Interest Expense TTM 183.3m) |
| A: -0.77 (Total Current Assets 12.9b - Total Current Liabilities 177b) / Total Assets 212b |
| B: 0.07 (Retained Earnings 14.1b / Total Assets 212b) |
| C: 0.03 (EBIT TTM 4.94b / Avg Total Assets 197b) |
| D: 0.11 (Book Value of Equity 20.1b / Total Liabilities 191b) |
| Altman-Z'' = -4.57 = D |
| DSRI: 0.69 (Receivables 5.21b/2.21b, Revenue 27.8b/8.14b) |
| GMI: 0.61 (GM 61.21% / 100.6%) |
| AQI: 1.00 (AQ_t 0.94 / AQ_t-1 0.94) |
| SGI: 3.41 (Revenue 27.8b / 8.14b) |
| TATA: 0.01 (NI 3.98b - CFO 2.26b) / TA 212b) |
| Beneish M = -1.91 (Cap -4..+1) = B |
As of July 21, 2026, the stock is trading at USD 28.27 with a total of 1,333,172 shares traded. Over the past week, the price has changed by -0.46%, over one month by +4.63%, over three months by -7.86% and over the past year by +16.46%.
Current recommended Stop Loss: 26.80 (which is 5.2% or 2.5 ATR below the current price).
Prudential has received a consensus analysts rating of 4.67. Therefore, it is recommended to buy PUK.
- StrongBuy: 2
- Buy: 1
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 38.7 | 36.8% |
P/E Trailing = 9.3059
P/E Forward = 10.2564
P/S = 2.443
P/B = 1.77
P/EG = 4.886
Revenue TTM = 27.8b USD
EBIT TTM = 4.94b USD
EBITDA TTM = 4.94b USD
Long Term Debt = 4.46b USD (from longTermDebt, last quarter)
Short Term Debt = 1.51b USD (from shortTermDebt, last quarter)
Debt = 6.34b USD (from shortLongTermDebtTotal, last quarter) + Leases 310.0m
Net Debt = -815.4m USD (calculated: Debt 6.34b - CCE 7.15b)
Enterprise Value = 34.4b USD (35.2b + Debt 6.34b - CCE 7.15b)
Interest Coverage Ratio = 26.95 (Ebit TTM 4.94b / Interest Expense TTM 183.3m)
EV/FCF = 15.94x (Enterprise Value 34.4b / FCF TTM 2.16b)
FCF Yield = 6.27% (FCF TTM 2.16b / Enterprise Value 34.4b)
FCF Margin = 7.77% (FCF TTM 2.16b / Revenue TTM 27.8b)
Net Margin = 14.31% (Net Income TTM 3.98b / Revenue TTM 27.8b)
Gross Margin = unknown ((Revenue TTM 27.8b - Cost of Revenue TTM -168.1m) / Revenue TTM)
Tobins Q-Ratio = 0.16 (Enterprise Value 34.4b / Total Assets 212b)
Interest Expense / Debt = 2.89% (Interest Expense 183.3m / Debt 6.34b)
Taxrate = 16.65% (822.6m / 4.94b)
NOPAT = 4.12b (EBIT 4.94b * (1 - 16.65%))
Current Ratio = 0.07 (Total Current Assets 12.9b / Total Current Liabilities 177b)
Debt / Equity = 0.32 (Debt 6.34b / totalStockholderEquity, last quarter 20.1b)
Debt / EBITDA = -0.17 (Net Debt -815.4m / EBITDA 4.94b)
Debt / FCF = -0.38 (Net Debt -815.4m / FCF TTM 2.16b)
Total Stockholder Equity = 18.0b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.02% (Net Income 3.98b / Total Assets 212b)
RoE = 22.12% (Net Income TTM 3.98b / Total Stockholder Equity 18.0b)
RoCE = 22.02% (EBIT 4.94b / Capital Employed (Equity 18.0b + L.T.Debt 4.46b))
RoIC = 11.62% (NOPAT 4.12b / Invested Capital 35.4b)
WACC = 8.47% (E(35.2b)/V(41.6b) * Re(9.56%) + D(6.34b)/V(41.6b) * Rd(2.89%) * (1-Tc(0.17)))
Discount Rate = 9.56% (= CAPM, Blume Beta Adj.)
Shares (yearly) Correlation: -62.52 | Cagr: -2.88%
[DCF] Terminal Value 72.65% ; FCFF base≈2.62b ; Y1≈2.30b ; Y5≈1.86b
[DCF] Fair Price = 24.11 (EV 29.2b - Net Debt -815.4m = Equity 30.0b / Shares 1.25b; r=8.47% [WACC]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: N/A | # QB: 0
Revenue Correlation: 80.67 | Revenue CAGR: 53.99% | SUE: N/A | # QB: 0
EPS current Year (2025-12-31): EPS=1.95 | Chg30d=-4.11% | Revisions=-25% | GrowthEPS=+8.8% | GrowthRev=+6.6%
EPS next Year (2026-12-31): EPS=1.98 | Chg30d=-0.01% | Revisions=-25% | GrowthEPS=-1.8% | GrowthRev=+121.7%
[Analyst] Revisions Ratio: -40% (up=0, down=2)