PUK Stock Analysis: Prudential | NYSE
Insurance - Life | NYSE, USA | Market Cap: 29.639m USD | 12M Return: -9.5% | US74435K2042 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 29.4M
Rev. Trend: 92.0%
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 plc (PUK) is a large-cap life and health insurance company headquartered in Central, Hong Kong, with a market capitalization of approximately $30.2 billion USD. The company operates through its subsidiaries to offer savings and investments, wealth, health, and protection products to individuals in Asia and Africa. Founded in 1848 and listed on the NYSE in 1990, Prudential has a long operational history.
As a GICS-classified Life & Health Insurance provider within the broader Financials sector, Prudentials business model combines underwriting life and health policies with asset management services, generating revenue through premiums, fees, and investment income. The companys geographic focus on emerging and growth markets in Asia and Africa distinguishes it from many Western-based insurance peers, positioning it in regions with rising middle-class populations and increasing demand for financial protection and retirement products.
- Asian life insurance APE sales growth drives premium revenue
- Interest rate shifts impact life insurance margins and bond investment yields
- Hong Kong and China regulatory changes reshape product distribution and capital requirements
| Net Income: 3.63b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.31 > 1.0 |
| NWC/Revenue: 30.49% < 20% (prev 55.97%; Δ -25.48% < -1%) |
| CFO/TA 0.01 > 3% & CFO 1.51b > Net Income 3.63b |
| Net Debt (-137.0m) to EBITDA (4.40b): -0.03 < 3 |
| Current Ratio: 5.53 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.26b) vs 12m ago -7.91% < -2% |
| Gross Margin: 85.48% > 18% (prev 80.80%; Δ 4.68% > 0.5%) |
| Asset Turnover: 14.29% > 50% (prev 8.26%; Δ 6.03% > 0%) |
| Interest Coverage Ratio: 22.99 > 6 (EBIT TTM 4.40b / Interest Expense TTM 191.5m) |
| A: 0.04 (Total Current Assets 11.2b - Total Current Liabilities 2.04b) / Total Assets 224b |
| B: 0.06 (Retained Earnings 14.0b / Total Assets 224b) |
| C: 0.02 (EBIT TTM 4.40b / Avg Total Assets 211b) |
| D: 0.10 (Book Value of Equity 19.8b / Total Liabilities 203b) |
| Altman-Z'' = 0.72 = B |
| DSRI: 0.58 (Receivables 5.36b/4.99b, Revenue 30.2b/16.4b) |
| GMI: 0.95 (GM 80.80% / 85.48%) |
| AQI: 1.00 (AQ_t 0.95 / AQ_t-1 0.94) |
| SGI: 1.84 (Revenue 30.2b / 16.4b) |
| TATA: 0.01 (NI 3.63b - CFO 1.51b) / TA 224b) |
| Beneish M = -2.81 (Cap -4..+1) = A |
As of October 21, 2026, the stock is trading at USD 23.96 with a total of 1,130,958 shares traded. Over the past week, the price has changed by +0.55%, over one month by -8.72%, over three months by -14.68% and over the past year by -9.48%.
Current recommended Stop Loss: 23.30 (which is 2.8% or 1.6 ATR below the current price).
Prudential has received a consensus analysts rating of 4.75. Therefore, it is recommended to buy PUK.
- StrongBuy: 3
- Buy: 1
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 38.1 | 58.8% |
P/E Trailing = 8.4965
P/E Forward = 9.7371
P/S = 2.0713
P/B = 1.6117
P/EG = 2.4341
Revenue TTM = 30.2b USD
EBIT TTM = 4.40b USD
EBITDA TTM = 4.40b USD
Long Term Debt = 4.47b USD (from longTermDebt, last quarter)
Short Term Debt = 643.0m USD (from shortTermDebt, last quarter)
Debt = 5.75b USD (from shortLongTermDebtTotal, last quarter) + Leases 319.0m
Net Debt = -137.0m USD (calculated: Debt 5.75b - CCE 5.89b)
Enterprise Value = 29.5b USD (29.6b + Debt 5.75b - CCE 5.89b)
Interest Coverage Ratio = 22.99 (Ebit TTM 4.40b / Interest Expense TTM 191.5m)
EV/FCF = 20.61x (Enterprise Value 29.5b / FCF TTM 1.43b)
FCF Yield = 4.85% (FCF TTM 1.43b / Enterprise Value 29.5b)
FCF Margin = 4.74% (FCF TTM 1.43b / Revenue TTM 30.2b)
Net Margin = 12.03% (Net Income TTM 3.63b / Revenue TTM 30.2b)
Gross Margin = 85.48% ((Revenue TTM 30.2b - Cost of Revenue TTM 4.39b) / Revenue TTM)
Gross Margin QoQ = 70.64% (prev none%)
Tobins Q-Ratio = 0.13 (Enterprise Value 29.5b / Total Assets 224b)
Interest Expense / Debt = 3.33% (Interest Expense 191.5m / Debt 5.75b)
Taxrate = 15.05% (662.5m / 4.40b)
NOPAT = 3.74b (EBIT 4.40b * (1 - 15.05%))
Current Ratio = 5.53 (Total Current Assets 11.2b / Total Current Liabilities 2.04b)
Debt / Equity = 0.29 (Debt 5.75b / totalStockholderEquity, last quarter 19.8b)
Debt / EBITDA = -0.03 (Net Debt -137.0m / EBITDA 4.40b)
Debt / FCF = -0.10 (Net Debt -137.0m / FCF TTM 1.43b)
Total Stockholder Equity = 18.9b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.72% (Net Income 3.63b / Total Assets 224b)
RoE = 19.25% (Net Income TTM 3.63b / Total Stockholder Equity 18.9b)
RoCE = 18.86% (EBIT 4.40b / Capital Employed (Equity 18.9b + L.T.Debt 4.47b))
RoIC = 1.69% (NOPAT 3.74b / Invested Capital 221b)
WACC = 7.17% (E(29.6b)/V(35.4b) * Re(8.01%) + D(5.75b)/V(35.4b) * Rd(3.33%) * (1-Tc(0.15)))
Discount Rate = 8.01% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -57.26 | Cagr: -29.08%
[DCF] Terminal Value 73.10% ; FCFF base≈1.61b ; Y1≈1.42b ; Y5≈1.14b
[DCF] Fair Price = 15.06 (EV 18.4b - Net Debt -137.0m = Equity 18.5b / Shares 1.23b; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: N/A | # QB: 0
Revenue Correlation: 92.01 | Revenue CAGR: 81.71% | 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=1.56 | Chg30d=-10.96% | Revisions=-25% | GrowthEPS=-22.9% | GrowthRev=+11.5%
[Analyst] Revisions Ratio: -40% (up=0, down=2)