(PUK) Prudential - Ratings and Ratios

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

Life Insurance, Health Insurance, Asset Management, Savings, Wealth Protection

Stock: Life & Health Insurance
Age 35.6y

MCap 39,928m
Avg Vol 606K (19.1M USD)

Beta 0.857
Volatility 19.90%

Dividends

Dividend Yield	2.10%
Yield on Cost 5y	1.68%
Yield CAGR 5y	10.50%
Payout Consistency	90.2%
Payout Ratio	-

Risk via 5d forecast
Volatility	19.9%
Value at Risk 5%th	33.2%
Relative Tail Risk	1.35%

Reward TTM
Sharpe Ratio	2.60
Alpha	91.33
CAGR/Max DD	0.03

Character TTM
Hurst Exponent	0.374
Beta	0.857
Beta Downside	0.963

Drawdowns 3y
Max DD	55.26%
Mean DD	30.11%
Median DD	33.09%

Description: PUK Prudential January 28, 2026

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

According to the FY 2024 annual report (published March 2025), Prudential reported a net profit of US$ 2.1 billion, a 5 % YoY increase driven by a 3 % rise in new business premiums in the Asian market and a combined ratio improvement to 94.8 % (down from 96.3 % in FY 2023). The company’s growth aligns with macro-drivers such as rising middle-class wealth in China and India, an aging population increasing demand for health and longevity products, and a regional shift toward digital distribution channels, which together are projected to boost Asia-Pacific life-insurance premiums by ~6 % CAGR through 2028 (Swiss Re Institute, 2024).

For a deeper quantitative assessment of Prudential’s valuation and risk profile, consult the ValueRay platform.

Piotroski VR‑10 (Strict, 0-10) 5.5

Net Income: 3.53b TTM > 0 and > 6% of Revenue
FCF/TA: 0.02 > 0.02 and ΔFCF/TA 1.63 > 1.0
NWC/Revenue: 63.55% < 20% (prev 62.15%; Δ 1.40% < -1%)
CFO/TA 0.02 > 3% & CFO 3.62b > Net Income 3.53b
Net Debt (-310.0m) to EBITDA (13.43b): -0.02 < 3
Current Ratio: 4.25 > 1.5 & < 3
Outstanding Shares: last quarter (1.31b) vs 12m ago -4.49% < -2%
Gross Margin: 85.83% > 18% (prev 0.37%; Δ 8546 % > 0.5%)
Asset Turnover: 12.22% > 50% (prev 5.24%; Δ 6.98% > 0%)
Interest Coverage Ratio: 57.62 > 6 (EBITDA TTM 13.43b / Interest Expense TTM 241.0m)

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 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)
Altman-Z'' Score: 1.25 = BB

Beneish M 1.00

DSRI: 14.91 (Receivables 2.21b/57.8m, Revenue 22.28b/8.67b)
GMI: 0.43 (GM 85.83% / 37.25%)
AQI: 0.94 (AQ_t 0.90 / AQ_t-1 0.96)
SGI: 2.57 (Revenue 22.28b / 8.67b)
TATA: -0.00 (NI 3.53b - CFO 3.62b) / TA 199.12b)
Beneish M-Score: 9.00 (Cap -4..+1) = D

ValueRay F-Score (Strict, 0-100) 77.47

1. Piotroski: 5.50pt
2. FCF Yield: 8.03%
3. FCF Margin: 14.47%
4. Debt/Equity: 0.29
5. Debt/Ebitda: -0.02
6. ROIC - WACC: 41.92%
7. RoE: 20.30%
8. Revenue Trend: 2.51%
9. EPS Trend: data missing

What is the price of PUK shares?

As of January 29, 2026, the stock is trading at USD 32.77 with a total of 640,687 shares traded.
Over the past week, the price has changed by +4.13%, over one month by +4.73%, over three months by +17.37% and over the past year by +102.91%.

Is PUK a buy, sell or hold?

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

What are the forecasts/targets for the PUK price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	35.8	9.4%
Analysts Target Price	35.8	9.4%
ValueRay Target Price	39	19.1%

PUK Fundamental Data Overview January 26, 2026

P/E Trailing = 12.2996
P/E Forward = 15.748
P/S = 2.9927
P/B = 2.2037
P/EG = 1.5447
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 = 40.16b USD (39.93b + Debt 5.33b - CCE 5.10b)
Interest Coverage Ratio = 57.62 (Ebit TTM 13.89b / Interest Expense TTM 241.0m)
EV/FCF = 12.45x (Enterprise Value 40.16b / FCF TTM 3.22b)
FCF Yield = 8.03% (FCF TTM 3.22b / Enterprise Value 40.16b)
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 = 85.83% ((Revenue TTM 22.28b - Cost of Revenue TTM 3.16b) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 100.0%)
Tobins Q-Ratio = 0.20 (Enterprise Value 40.16b / 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 = 1.94% (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 = 8.16% (E(39.93b)/V(45.25b) * Re(9.07%) + D(5.33b)/V(45.25b) * Rd(1.65%) * (1-Tc(0.20)))
Discount Rate = 9.07% (= CAPM, Blume Beta Adj.)
Fair Price DCF = unknown (Cash Flow 3.22b)
Revenue Correlation: 2.51 | Revenue CAGR: 22.49% | SUE: N/A | # QB: 0

Additional Sources for PUK Stock

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