(PUK) Prudential - Ratings and Ratios
Insurance, Investments, Asset Management, Health Protection, Wealth Products
Description: PUK Prudential
Prudential PLC ADR (NYSE:PUK) is a leading provider of life and health insurance, as well as asset management solutions, primarily operating in Asia and Africa. The company offers a diverse range of products, including savings and investments, wealth, health, and protection products, and foreign exchange services. With a rich history dating back to 1848, Prudential PLC has established itself as a reputable player in the industry.
From a financial perspective, Prudential PLC demonstrates a strong market presence, with a market capitalization of approximately $32 billion USD. The companys return on equity (RoE) stands at 16.50%, indicating a relatively high level of profitability. Additionally, the forward price-to-earnings (P/E) ratio is 12.11, suggesting that the stock may be undervalued relative to its future earnings potential.
To further evaluate Prudential PLCs performance, key performance indicators (KPIs) such as the companys dividend yield, debt-to-equity ratio, and asset under management (AUM) growth rate can be considered. A dividend yield of around 2-3% can indicate a stable income stream for investors. A debt-to-equity ratio of less than 1 can suggest a healthy balance between debt and equity financing. AUM growth rate can provide insights into the companys ability to attract and retain assets, driving revenue and profitability.
Considering the companys operations in Asia and Africa, Prudential PLC is well-positioned to capitalize on the growing demand for life and health insurance products in these regions. The companys diversified product offerings and strong financial performance make it an attractive investment opportunity for those seeking exposure to the insurance sector.
PUK Stock Overview
| Market Cap in USD | 34,168m |
| Sub-Industry | Life & Health Insurance |
| IPO / Inception | 1990-07-03 |
PUK Stock Ratings
| Growth Rating | 35.1% |
| Fundamental | 76.7% |
| Dividend Rating | 27.8% |
| Return 12m vs S&P 500 | 45.6% |
| Analyst Rating | 4.67 of 5 |
PUK Dividends
| Dividend Yield 12m | 2.05% |
| Yield on Cost 5y | 1.79% |
| Annual Growth 5y | -7.06% |
| Payout Consistency | 90.7% |
| Payout Ratio | 37.2% |
PUK Growth Ratios
| Growth Correlation 3m | 88% |
| Growth Correlation 12m | 87.3% |
| Growth Correlation 5y | -72.9% |
| CAGR 5y | 10.19% |
| CAGR/Max DD 3y | 0.18 |
| CAGR/Mean DD 3y | 0.30 |
| Sharpe Ratio 12m | 2.35 |
| Alpha | 55.91 |
| Beta | 0.979 |
| Volatility | 25.98% |
| Current Volume | 667.2k |
| Average Volume 20d | 746.2k |
| Stop Loss | 27 (-3.1%) |
| Signal | 0.58 |
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income (2.83b TTM) > 0 and > 6% of Revenue (6% = 840.6m TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA 0.21pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -15.27% (prev 45.72%; Δ -60.99pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 3.19b > Net Income 2.83b (YES >=105%, WARN >=100%) |
| Net Debt (2.28b) to EBITDA (4.70b) ratio: 0.48 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.51 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (1.36b) change vs 12m ago 3.45% (target <= -2.0% for YES) |
| Gross Margin 84.76% (prev 28.70%; Δ 56.06pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 11.56% (prev 14.69%; Δ -3.13pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 54.60 (EBITDA TTM 4.70b / Interest Expense TTM 238.6m) >= 6 (WARN >= 3) |
Altman Z'' 0.94
| (A) -0.01 = (Total Current Assets 2.21b - Total Current Liabilities 4.35b) / Total Assets 181.88b |
| (B) 0.07 = Retained Earnings (Balance) 11.91b / Total Assets 181.88b |
| (C) 0.11 = EBIT TTM 13.03b / Avg Total Assets 121.21b |
| (D) 0.07 = Book Value of Equity 12.08b / Total Liabilities 163.20b |
| Total Rating: 0.94 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 76.65
| 1. Piotroski 5.0pt = 0.0 |
| 2. FCF Yield 9.17% = 4.59 |
| 3. FCF Margin 21.89% = 5.47 |
| 4. Debt/Equity 0.26 = 2.47 |
| 5. Debt/Ebitda 0.95 = 1.83 |
| 6. ROIC - WACC 40.38% = 12.50 |
| 7. RoE 16.50% = 1.38 |
| 8. Rev. Trend -10.87% = -0.54 |
| 9. Rev. CAGR -37.73% = -2.50 |
| 10. EPS Trend 58.17% = 1.45 |
| 11. EPS CAGR 0.0% = 0.0 |
What is the price of PUK shares?
Over the past week, the price has changed by +4.03%, over one month by +3.91%, over three months by +14.34% and over the past year by +72.13%.
Is Prudential a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of PUK is around 28.91 USD . This means that PUK is currently overvalued and has a potential downside of 3.81%.
Is PUK a buy, sell or hold?
- Strong Buy: 2
- Buy: 1
- Hold: 0
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the PUK price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 34.3 | 23.1% |
| Analysts Target Price | 34.3 | 23.1% |
| ValueRay Target Price | 32.3 | 15.9% |
Last update: 2025-09-10 02:42
PUK Fundamental Data Overview
CCE Cash And Equivalents = 5.21b USD (last quarter)
P/E Trailing = 10.376
P/E Forward = 10.6952
P/S = 2.561
P/B = 1.8858
P/EG = 0.816
Beta = 1.196
Revenue TTM = 14.01b USD
EBIT TTM = 13.03b USD
EBITDA TTM = 4.70b USD
Long Term Debt = 3.94b USD (from longTermDebt, last quarter)
Short Term Debt = 527.0m USD (from shortTermDebt, last quarter)
Debt = 4.46b USD (Calculated: Short Term 527.0m + Long Term 3.94b)
Net Debt = 2.28b USD (from netDebt column, last quarter)
Enterprise Value = 33.43b USD (34.17b + Debt 4.46b - CCE 5.21b)
Interest Coverage Ratio = 54.60 (Ebit TTM 13.03b / Interest Expense TTM 238.6m)
FCF Yield = 9.17% (FCF TTM 3.07b / Enterprise Value 33.43b)
FCF Margin = 21.89% (FCF TTM 3.07b / Revenue TTM 14.01b)
Net Margin = 20.21% (Net Income TTM 2.83b / Revenue TTM 14.01b)
Gross Margin = 84.76% ((Revenue TTM 14.01b - Cost of Revenue TTM 2.13b) / Revenue TTM)
Tobins Q-Ratio = 2.77 (Enterprise Value 33.43b / Book Value Of Equity 12.08b)
Interest Expense / Debt = 1.91% (Interest Expense 85.1m / Debt 4.46b)
Taxrate = 18.22% (538.0m / 2.95b)
NOPAT = 10.66b (EBIT 13.03b * (1 - 18.22%))
Current Ratio = 0.51 (Total Current Assets 2.21b / Total Current Liabilities 4.35b)
Debt / Equity = 0.26 (Debt 4.46b / last Quarter total Stockholder Equity 17.49b)
Debt / EBITDA = 0.95 (Net Debt 2.28b / EBITDA 4.70b)
Debt / FCF = 1.46 (Debt 4.46b / FCF TTM 3.07b)
Total Stockholder Equity = 17.16b (last 4 quarters mean)
RoA = 1.56% (Net Income 2.83b, Total Assets 181.88b )
RoE = 16.50% (Net Income TTM 2.83b / Total Stockholder Equity 17.16b)
RoCE = 61.75% (Ebit 13.03b / (Equity 17.16b + L.T.Debt 3.94b))
RoIC = 49.07% (NOPAT 10.66b / Invested Capital 21.72b)
WACC = 8.69% (E(34.17b)/V(38.63b) * Re(9.62%)) + (D(4.46b)/V(38.63b) * Rd(1.91%) * (1-Tc(0.18)))
Shares Correlation 3-Years: 48.08 | Cagr: 0.31%
Discount Rate = 9.62% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 76.49% ; FCFE base≈2.20b ; Y1≈2.71b ; Y5≈4.62b
Fair Price DCF = 46.55 (DCF Value 59.41b / Shares Outstanding 1.28b; 5y FCF grow 25.0% → 3.0% )
Revenue Correlation: -10.87 | Revenue CAGR: -37.73%
Rev Growth-of-Growth: 63.55
EPS Correlation: 58.17 | EPS CAGR: 0.0%
EPS Growth-of-Growth: 31.64
Additional Sources for PUK Stock
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