Overview Dividends

(PUK) Prudential - Ratings and Ratios

Exchange: NYSE • Country: Hong Kong • Currency: USD • Type: Common Stock • ISIN: US74435K2042

Life Insurance, Health Insurance, Savings, Asset Management

Description: PUK Prudential

Prudential plc (NYSE: PUK) operates through subsidiaries that deliver life and health insurance, as well as asset-management solutions, primarily across Asian and African markets. Its product suite includes savings and investment vehicles, wealth-protection offerings, and foreign-exchange services. The firm traces its origins to 1848 and is currently headquartered in Central, Hong Kong, classifying under the GICS sub-industry “Life & Health Insurance.”

Recent performance metrics underscore the company’s exposure to macro-economic drivers: in FY 2023, Prudential reported a net profit of US$2.3 billion, a combined ratio of 93.5 % (indicating underwriting profitability), and assets under management (AUM) of roughly US$350 billion, with a 5 % year-over-year growth in Asian premium income driven by rising middle-class wealth and favorable demographic trends. The firm’s return on equity (ROE) stood at 12 %, while its earnings per share (EPS) grew 8 % YoY, reflecting both organic growth and cost-efficiency initiatives. Key sector drivers include the region’s low-interest-rate environment, which pressures investment yields, and regulatory shifts toward digital distribution that are reshaping customer acquisition costs.

For a deeper, data-rich assessment of Prudential’s valuation and risk profile, consider exploring the analyst tools available on ValueRay.

PUK Stock Overview

Market Cap in USD 35,824m
Sub-Industry Life & Health Insurance
IPO / Inception 1990-07-03

PUK Stock Ratings

Growth Rating 40.5%
Fundamental 86.1%
Dividend Rating 24.1%
Return 12m vs S&P 500 37.7%
Analyst Rating 4.67 of 5

PUK Dividends

Dividend Yield 12m 1.79%
Yield on Cost 5y 1.90%
Annual Growth 5y -8.74%
Payout Consistency 89.8%
Payout Ratio 37.2%

PUK Growth Ratios

Growth Correlation 3m 83.3%
Growth Correlation 12m 94.8%
Growth Correlation 5y -69.9%
CAGR 5y 12.12%
CAGR/Max DD 3y (Calmar Ratio) 0.22
CAGR/Mean DD 3y (Pain Ratio) 0.40
Sharpe Ratio 12m 2.22
Alpha 36.66
Beta 1.196
Volatility 28.95%
Current Volume 698.1k
Average Volume 20d 747.7k
Stop Loss 26 (-3%)
Signal -0.02

Piotroski VR‑10 (Strict, 0-10) 5.5

Net Income (3.53b TTM) > 0 and > 6% of Revenue (6% = 1.34b TTM)
FCFTA 0.02 (>2.0%) and ΔFCFTA 1.63pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue 63.55% (prev 62.15%; Δ 1.40pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)
CFO/TA 0.02 (>3.0%) and CFO 3.62b > Net Income 3.53b (YES >=105%, WARN >=100%)
Net Debt (-310.0m) to EBITDA (13.43b) ratio: -0.02 <= 3.0 (WARN <= 3.5)
Current Ratio 4.25 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)
Outstanding Shares last Quarter (1.31b) change vs 12m ago -4.49% (target <= -2.0% for YES)
Gross Margin 96.24% (prev 37.25%; Δ 58.99pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)
Asset Turnover 12.22% (prev 5.24%; Δ 6.98pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)
Interest Coverage Ratio 57.62 (EBITDA TTM 13.43b / Interest Expense TTM 241.0m) >= 6 (WARN >= 3)

Altman Z'' 1.25

(A) 0.07 = (Total Current Assets 18.51b - Total Current Liabilities 4.35b) / Total Assets 199.12b
(B) 0.06 = Retained Earnings (Balance) 12.05b / Total Assets 199.12b
(C) 0.08 = EBIT TTM 13.89b / Avg Total Assets 182.29b
(D) 0.07 = Book Value of Equity 12.22b / Total Liabilities 179.68b
Total Rating: 1.25 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 86.06

1. Piotroski 5.50pt = 0.50
2. FCF Yield 9.08% = 4.54
3. FCF Margin 14.47% = 3.62
4. Debt/Equity 0.29 = 2.46
5. Debt/Ebitda -0.02 = 2.50
6. ROIC - WACC (= 40.84)% = 12.50
7. RoE 20.30% = 1.69
8. Rev. Trend 78.91% = 5.92
9. EPS Trend 46.68% = 2.33

What is the price of PUK shares?

As of October 18, 2025, the stock is trading at USD 26.81 with a total of 698,100 shares traded.
Over the past week, the price has changed by -1.11%, over one month by -1.00%, over three months by +8.87% and over the past year by +58.14%.

Is Prudential a good stock to buy?

Yes, based on ValueRay´s Fundamental Analyses, Prudential (NYSE:PUK) is currently (October 2025) a good stock to buy. It has a ValueRay Fundamental Rating of 86.06 and therefor a positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of PUK is around 26.80 USD . This means that PUK is currently overvalued and has a potential downside of -0.04%.

Is PUK a buy, sell or hold?

Prudential has received a consensus analysts rating of 4.67. Therefore, it is recommended to buy PUK.
  • 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 27.9%
Analysts Target Price 34.3 27.9%
ValueRay Target Price 30.1 12.2%

Last update: 2025-10-03 05:02

PUK Fundamental Data Overview

Market Cap USD = 35.82b (35.82b USD * 1.0 USD.USD)
P/E Trailing = 10.8571
P/E Forward = 11.2867
P/S = 2.6851
P/B = 1.968
P/EG = 0.8611
Beta = 1.196
Revenue TTM = 22.28b USD
EBIT TTM = 13.89b USD
EBITDA TTM = 13.43b USD
Long Term Debt = 4.48b USD (from longTermDebt, last quarter)
Short Term Debt = 500.0m USD (from shortTermDebt, last quarter)
Debt = 5.33b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -310.0m USD (from netDebt column, last quarter)
Enterprise Value = 35.51b USD (35.82b + Debt 5.33b - CCE 5.64b)
Interest Coverage Ratio = 57.62 (Ebit TTM 13.89b / Interest Expense TTM 241.0m)
FCF Yield = 9.08% (FCF TTM 3.22b / Enterprise Value 35.51b)
FCF Margin = 14.47% (FCF TTM 3.22b / Revenue TTM 22.28b)
Net Margin = 15.86% (Net Income TTM 3.53b / Revenue TTM 22.28b)
Gross Margin = 96.24% ((Revenue TTM 22.28b - Cost of Revenue TTM 838.0m) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 100.0%)
Tobins Q-Ratio = 0.18 (Enterprise Value 35.51b / Total Assets 199.12b)
Interest Expense / Debt = 1.65% (Interest Expense 87.7m / Debt 5.33b)
Taxrate = 20.39% (351.0m / 1.72b)
NOPAT = 11.06b (EBIT 13.89b * (1 - 20.39%))
Current Ratio = 4.25 (Total Current Assets 18.51b / Total Current Liabilities 4.35b)
Debt / Equity = 0.29 (Debt 5.33b / totalStockholderEquity, last quarter 18.12b)
Debt / EBITDA = -0.02 (Net Debt -310.0m / EBITDA 13.43b)
Debt / FCF = -0.10 (Net Debt -310.0m / FCF TTM 3.22b)
Total Stockholder Equity = 17.40b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.77% (Net Income 3.53b / Total Assets 199.12b)
RoE = 20.30% (Net Income TTM 3.53b / Total Stockholder Equity 17.40b)
RoCE = 63.46% (EBIT 13.89b / Capital Employed (Equity 17.40b + L.T.Debt 4.48b))
RoIC = 50.08% (NOPAT 11.06b / Invested Capital 22.08b)
WACC = 9.24% (E(35.82b)/V(41.15b) * Re(10.42%) + D(5.33b)/V(41.15b) * Rd(1.65%) * (1-Tc(0.20)))
Discount Rate = 10.42% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.52%
[DCF Debug] Terminal Value 70.17% ; FCFE base≈3.22b ; Y1≈3.24b ; Y5≈3.47b
Fair Price DCF = 32.85 (DCF Value 41.84b / Shares Outstanding 1.27b; 5y FCF grow 0.0% → 3.0% )
EPS Correlation: 46.68 | EPS CAGR: 148.7% | SUE: 4.0 | # QB: 1
Revenue Correlation: 78.91 | Revenue CAGR: 253.1% | SUE: N/A | # QB: 0

Additional Sources for PUK Stock

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