Stock Analysis
Prudential Financial, Inc.PRU
P/E 10.21×· 5Y range 5.40–594.20×· bottom 22% of history
Sector: Financial Services · Industry: Life Insurance
AnalystsSell26 analystsP/E 10.2× sits at the 22nd percentile of its 5.086926762491444-year history.
Cash covers 27% of debt · Q2 2026.
PMP Verdict
Cheap for a reason — weak fundamentals
Strengths
- Quality60
Risks
- Growth20
- Financial Health33
Cheap for a reason — fundamentals remain weak.
Bull Case
- ✓P/E 10.2× at bottom 22% of 5-year history
What's happening with PRU
Profile
moat, growth, financial health and profitability lag behind.
How is each axis scored?
- Valuation67/100 · Moderate
- P/E vs own history (22th pct)20/25
- FCF yield (n/a)10/25
- P/S (0.6x)25/25
- EV/EBIT (15.2x)12/25
- Growth20/100 · Weak
- Revenue CAGR (-3.8%)0/25
- Net income CAGR (-17.5%)0/25
- EPS CAGR 5Y (-15.4%)0/25
- Fwd implied growth (28.4%)20/25
- Profitability42/100 · Weak
- ROIC (5.6%)5/25
- ROE (11.3%)12/25
- Net margin (6.0%)13/25
- Operating margin (8.3%)12/25
- Financial Health33/100 · Weak
- Altman Z (0.11)3/25
- Current ratio (n/a)0/25
- Interest coverage (3.7x)10/25
- Net cash / debt (D/A 5%)20/25
- Quality60/100 · Moderate
- Piotroski F (6/9)15/25
- Beneish M (-2.76)25/25
- FCF conversion (n/a)0/25
- Margin stability (σ 5.6%)20/25
- Moat11/100 · Weak
- ROIC >12% years (2/5 yrs)6/25
- Median gross margin (n/a)0/25
- FCF-positive years (n/a)0/25
- Worst-year net margin (worst -2.4%)5/25
Risk Flags
- ⚠Altman Z 0.1 — distress-zone balance sheet
- ⚠2 loss-making years in recent history
- ⚠Revenue shrinking 3.8%/yr
About Prudential Financial, Inc.
Prudential Financial is one of the largest US life insurers, offering annuities, life insurance, and asset-management products. Show more
The United States and Japan are its two largest markets. Its US business contributed about 50% of adjusted 2025 earnings and includes institutional retirement (mostly pension risk transfer), individual retirement (annuities), group insurance, and individual life insurance. Its international business represented about 39% of adjusted earnings, with a strong market position in Japan, and the firm also has a presence in emerging markets like Brazil. The company's investment management business, PGIM, contributed approximately 11% of its 2025 adjusted earnings. PGIM had around $1.47 trillion in assets under management at the end of fourth-quarter 2025.
Headquarters: NEWARK, NJ · Employees: 36,824 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
67BP/E (TTM)10.2xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 5.4x–594.2x · 22nd pct
P/FCF3.6xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield27.8%A
Grade A: ValueInverse of Finnhub P/FCF (own TTM FCF unavailable)
P/S (TTM)0.62xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 0.4x–0.8x · 49th pct
EV/EBIT15.2xB
Grade B: FairEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 7.8x–15.8x · 43rd pct
EV/Sales0.8xA
Grade A: CheapEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E7.9xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.16xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio3.68D
Grade D: ExpensiveFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield4.93%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio49.7%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
42D+ROIC5.6%D
Grade D: LowNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE11.3%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA0.5%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin6.0%C
Grade C: AverageNet Income / Revenue
Operating Margin8.3%D
Grade D: LowTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin—
FCF / Revenue
True FCF Margin—
TTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
20ERevenue CAGR-3.8%D
Grade D: LowCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-17.5%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)-15.4%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth28.4%C
Grade C: MedAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-14.3%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue—
TTM stock-based comp / TTM Revenue
Financial Health
33DAltman Z-Score0.11D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage3.7xC
Grade C: OkEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBIT7.7xD
Grade D: HighLeverage. <2x Low, >4x High
Debt/Equity1.64xC
Grade C: MedDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.27xD
Grade D: ThinCash covers how much of total debt. >1 = could repay all debt from cash
Quality
60BPiotroski F-Score6/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.76A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion—
FCF / Net Income
Margin Stability5.6%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue—
TTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.08xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
SULLIVAN ANDREW F Filed | SULLIVAN ANDREW F | Grant / award | +143 | |
Wolk Joseph J Filed | Wolk Joseph J | Grant / award | +21 | |
TODMAN MICHAEL Filed | TODMAN MICHAEL | Grant / award | +21 | |
TODMAN MICHAEL Filed | TODMAN MICHAEL | Grant / award | +151 | |
TODMAN MICHAEL Filed | TODMAN MICHAEL | Grant / award | +155 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Stoddard Thomas D Filed | Stoddard Thomas D | Grant / award | +21 | |
Stoddard Thomas D Filed | Stoddard Thomas D | Grant / award | +20 | |
POON CHRISTINE A Filed | POON CHRISTINE A | Grant / award | +21 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
11EROIC >12% Years2/5 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years—
Share of completed fiscal years with positive free cash flow
Net Margin Floor-2.4%D
Grade D: WeakWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$11.36
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$46.75
Cash & short-term investments per share (Finnhub)
Book Value / Share$91.47
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$56.69B
Total debt obligations (short + long term)
Cash & Equiv.$15.16B
Cash and short-term investments
Net Debt$41.52B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$34.59B
Shareholders' equity (book value)
Asset / Liability—
Total Assets / Total Liabilities
Market
Market Cap$39.99B
Current Market Capitalization
Beta0.84B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Prudential Financial, Inc. (PRU)
Piotroski F-Score of 6/9 indicates mixed fundamentals for Prudential Financial, Inc.. Altman Z-Score of 0.11 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.76 suggests a low likelihood of earnings manipulation.
- Revenue has been contracting (CAGR ≈ -4%), which weighs on the growth outlook.
- Prudential Financial, Inc. posted a net loss in 2 of 10 available completed fiscal years (2016–2025).
- The stock currently yields 4.9% in dividends.
See how PRU ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all PRU moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 15 | Regular | 116.14 | +2.34% | 2.82 |
| Sep 28 | Regular | 116.01 | -2.88% | -2.25 |
Frequently Asked Questions about PRU
What is the current Prudential Financial, Inc. (PRU) stock price?
PRU is trading at $115.91 at the last market close, down 0.38% on the session. PreMarketPrice tracks PRU pre-market, intraday and after-hours prices.
Is PRU stock a buy right now?
PreMarketPrice's quantitative model rates Prudential Financial, Inc.'s financial health at 33/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is PRU stock overvalued?
Prudential Financial, Inc. trades at a trailing P/E of 10.2 and our valuation score rates it 67/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Prudential Financial, Inc. report earnings?
No confirmed earnings date is currently scheduled for PRU. The Earnings section lists recent reports and updates as dates are announced.
What sector does Prudential Financial, Inc. operate in?
Prudential Financial, Inc. operates in the Financial Services sector, within the Life Insurance industry. The Related Stocks section lists sector peers for comparison.
What does Prudential Financial, Inc. do?
Prudential Financial is one of the largest US life insurers, offering annuities, life insurance, and asset-management products.
About Prudential Financial, Inc. (PRU) Stock
Prudential Financial, Inc. (PRU) is a US-listed stock operating in the Financial Services sector, specifically the Life Insurance industry. As of the latest update, Prudential Financial, Inc. is trading at $115.91, down 0.38% on the day with a market capitalization of $40.0 billion. The financial health score for PRU is 33/100, which indicates weak financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for PRU stock.
PRU Stock Analysis & Key Metrics
On PreMarketPrice, you can track Prudential Financial, Inc. (PRU) across multiple dimensions:
- Pre-market price & movement: Real-time PRU stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for PRU with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Prudential Financial, Inc. across multiple reporting periods.
- Financial health score: A composite score of 33/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for PRU.
- Sector peers: Compare PRU against 6 other financial services stocks on key financial metrics.
Is PRU a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Prudential Financial, Inc. (PRU) as an investment. The financial health score of 33/100 suggests weak financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Prudential Financial, Inc. (PRU) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.