Prudential Financial Inc (PRU)
Fair ValueFundamental
61
Price
$114.99
Market Cap
$39.61B
Part 1 · What the company is worth
Overview
Prudential Financial, Inc., together with its subsidiaries, provides financial products and services in the United States, Japan and internationally. It operates through PGIM, Retirement Strategies, Group Insurance, Individual Life, and International Businesses segments. The PGIM segment offers investment management services and solutions related to public fixed income, public equity, real estate debt and equity, private credit and other alternatives, and multi-asset class strategies to institutional and retail clients, as well as its insurance and retirement businesses. The Retirement Strategies segment provides a range of retirement investment, and income products and services to retirement plan sponsors in the public, private, and not-for-profit sectors; group annuities and other products; international reinsurance; investment only products; and FlexGuard suite, Fixed annuities, and variable annuities, as well as develops and distributes individual variable and fixed annuity products. The Group Insurance segment offers various group life, and long-term and short-term group disability, as well as group corporate-, bank-, and trust-owned life insurance; and supplemental health solutions including accident, critical illness, and hospital indemnity. The Individual Life segment develops and distributes variable life, universal life, and term life insurance products. The International Businesses segment develops and distributes life insurance, retirement products, investment products, and certain accident and health products. The company provides its products and services to individual and institutional customers through its proprietary and third-party distribution networks, financial professionals, and trusted partnerships. Prudential Financial, Inc. was founded in 1875 and is headquartered in Newark, New Jersey.
No editorial profile for this company yet
Direct competitors
Who this company fights with for the same customers
No editorial profile for this company yet
No competitor list for this company yet.
Balance Sheet & Liquidity
Revenue
$64.77B
Trailing 12 months (through 6/30/2026)
Net Income
$3.92B
Trailing 12 months (through 6/30/2026)
Free Cash Flow
-
Total Equity
$32.44B
Total Liabilities
$738.16B
Current Ratio
-
Interest Coverage
-
Debt/EBITDA
3.96
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
How heavy the debt is
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$124.08
Current Price
$114.99
Margin of Safety
+7.3%
Fair Value Range
$99.68 - $148.48
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
10.43
ROE
11.0%
P/B Ratio
1.26
P/FCF
-
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
6.0%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (11)
- EPS shows upward trend
- P/B ratio 1.26
- Debt/EBITDA
- Low reliance on intangibles
- Price below Graham Number
- ROE 12.2%
- Earnings surprise, average 10.2%
- Earnings quality (operating cash flow / net income) 2.80
- Share dilution -1.6%
- Net margin trend 6.0% vs 2.8%
- Piotroski F-Score 6/9
Failed (6)
- EPS CAGR 1.92%
- Price CAGR 0.87%
- Debt/equity ratio
- Return on tangible assets
- DCF valuation (Unknown)
- Revenue growth 5Y 1.4%
Unavailable (10)
- ROIC –
- Gross margin –
- P/FCF –
- Dividend payout –
- Operating margin –
- Positive free cash flow
- CapEx intensity
- Current ratio
- Interest coverage
- PEG ratio (needs P/E > 0 and growth > 0)
Piotroski F-Score
Mixed signals: some areas need attention
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Buying back shares. Shareholder friendly
Institutional Holdings
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Andrew Francis Sullivan | Chairman, CEO & President | 54 |
| Ms. Yanela del Carmen Frias | Executive VP & CFO | 53 |
| Mr. Scott E. Case | Executive VP & Head of Global Technology and Operations | 54 |
| Mr. Jacques Philppe Chappuis | President & CEO of PGIM Inc. | 55 |
| Mr. Matthew J. Armas | Senior VP & Chief Investment Officer | - |
| Mr. Robert Edwin Boyle | Senior VP, Controller & Principal Accounting Officer | 59 |
| Ms. Tina Madon | Global Head of Investor Relations | - |
| Ms. Ann Mary Kappler | Executive VP, General Counsel & Head of Corporate Affairs | 67 |
| Mr. Todd Shriber | Vice President of Life Distribution and Sales | - |
| Ms. Vicki A. Walia | Executive VP & Chief People and Experience Officer | 44 |
Audit Risk
2
Board Risk
4
Compensation Risk
4
Shareholder Rights Risk
1
Documents
- View document
Annual Report (10-K)
A yearly overview of the business, its financial results, and the risks it faces.
Filed on 2026-02-12
- View document
Quarterly Report (10-Q)
A snapshot of financial performance for the most recent three-month period.
Filed on 2026-08-05
- View document
Current Report (8-K)
An announcement of a major event, such as a leadership change or big news.
Filed on 2026-10-20
via SEC EDGAR
Income History
via SEC EDGAR
Part 2 · The price and its context
This part shows how the price has behaved, not whether the company is worth owning. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Market Reaction Profile
How much PRU moves, measured on its daily prices.
More volatile than 11% of the tracked stocks (90-day volatility).
- Volatility 30d
- 20.4%
- Volatility 90d
- 21.2%
- Beta vs S&P 500 (1y)
- 0.58Correlation 0.33
- Max drawdown (12m)
- -22.5%
- ATR (14d, % of price)
- 2.21%
Earnings reactions
How PRU moved around its past quarterly results.
Next earnings release
Nov 3, 2026 · In 10 days · Time not known
EPS estimate: 3.38Revenue estimate: $14.6B
What usually happens
- Over the last 12 releases the stock moved a median of 2.3% the next day, up or down.
- Next-day moves: up 5, down 7 (out of 12).
Release history
| Date | When | EPS est. | EPS actual | Surprise | Gap | 1 day | 5 days |
|---|---|---|---|---|---|---|---|
| Aug 4, 2026 | After the close | 3.56 | 4.08 | +14.5% | +0.4% | -2.7% | -1.0% |
| May 5, 2026 | After the close | 3.13 | 3.61 | +15.4% | +1.6% | -0.1% | +2.3% |
| Feb 3, 2026 | After the close | 3.40 | 3.30 | -3.0% | -1.9% | -4.7% | -3.6% |
| Oct 29, 2025 | After the close | 3.73 | 4.26 | +14.1% | +2.2% | +1.9% | +3.2% |
| Jul 30, 2025 | After the close | n/a | n/a | n/a | +0.8% | +1.8% | +2.3% |
| Apr 30, 2025 | After the close | n/a | n/a | n/a | -0.3% | -1.0% | -1.4% |
| Feb 4, 2025 | After the close | n/a | n/a | n/a | -2.6% | -3.3% | -5.3% |
| Oct 30, 2024 | After the close | n/a | n/a | n/a | -0.8% | -3.3% | +0.9% |
| Aug 1, 2024 | After the close | n/a | n/a | n/a | -3.4% | -10.0% | -11.2% |
| Apr 30, 2024 | After the close | n/a | n/a | n/a | -0.8% | +1.6% | +5.2% |
| Feb 6, 2024 | After the close | n/a | n/a | n/a | +2.2% | +5.6% | +1.8% |
| Nov 1, 2023 | After the close | n/a | n/a | n/a | +2.3% | +0.4% | -0.7% |
Release dates from SEC 8-K filings.
Updated 10/24/2026
Historical statistics for educational purposes only. They are not forecasts and not investment advice.
Price reaction to the news
Latest news on PRU and what the price did next.
- 10/20/2026PositivePrudential Financial cede le attività in Brasile e Messico a CNP Assurances per 4 miliardi di dollari
- +1 day
- +1.1%
- +3 days
- +4.3%
- 8/4/2026PositivePrudential Tops Estimates as Revenue From Asset Manager Soars
- +1 day
- -2.5%
- +3 days
- -2.1%
- 8/3/2026PositiveFlint: Prudential To Focus On Under-Insured Asia, Africa
- +1 day
- -0.7%
- +3 days
- -4.6%
- 5/27/2026PositivePGIM Backs $4B of US Land-Bank Deals in Asset-Based Push
Published while the US market was open: the move of that day cannot be split into before and after the news, so no figure is shown.
- 5/26/2026PositivePGIM Backs $4 Billion of US Land-Bank Deals in Asset-Based Push
- +1 day
- -2.1%
- +3 days
- -4.6%
- 5/5/2026PositivePrudential Profit Rises Even as Firm Grapples With Japan Pause
- +1 day
- -1.5%
- +3 days
- -1.4%
Return of the stock minus return of SPY over the same days. A news item close to a price move did not necessarily cause it. Historical data for educational purposes only, not investment advice.
Latest News
Recent headlines for PRU.
- 4d agoPOSITIVEPrudential Financial cede le attività in Brasile e Messico a CNP Assurances per 4 miliardi di dollari
Prudential Financial has agreed to sell its Brazilian and Mexican operations to CNP Assurances for $4 billion. This strategic divestment allows Prudential to streamline its global footprint and focus on core markets. The transaction is expected to strengthen Prudential's balance sheet and potentially unlock shareholder value through capital reallocation. Investors may view this move positively as it signals a commitment to optimizing profitability and reducing exposure to less strategic regions, potentially leading to improved financial performance and a more focused business model.
- 8/4/2026POSITIVEPrudential Tops Estimates as Revenue From Asset Manager Soars
Prudential Financial Inc. announced second-quarter earnings that surpassed Wall Street expectations, driven by a significant surge in revenue from its asset management division. While specific figures were not detailed in the initial report, the strong performance in asset management indicates robust growth in fee-based income and successful strategies in navigating market conditions. This outperformance is a positive signal for investors, suggesting effective capital deployment and a strong competitive position within the financial services sector, potentially leading to increased shareholder value.
- 8/3/2026POSITIVEFlint: Prudential To Focus On Under-Insured Asia, Africa
Prudential PLC, under the guidance of Chairman Douglas Flint, is strategically pivoting its growth focus towards the under-insured markets in Asia and Africa. This targeted approach aims to capitalize on significant unmet demand for insurance products in these rapidly developing regions. By concentrating on these emerging markets, Prudential seeks to unlock new revenue streams and expand its customer base, potentially leading to substantial long-term value creation for shareholders. Investors may view this strategic shift positively, anticipating accelerated growth and market share gains in underserved territories.
- 5/27/2026POSITIVEPGIM Backs $4B of US Land-Bank Deals in Asset-Based Push
Prudential Financial's asset management arm, PGIM, has committed approximately $4 billion to land-banking projects through a strategic partnership with Domain Real Estate Partners. This significant investment signals a concerted effort by PGIM to increase its exposure to the US homebuilding sector, a market often seen as a bellwether for economic activity. The land-banking strategy aims to secure future development opportunities, potentially yielding substantial returns as housing demand continues to evolve. Investors may view this move as a positive indicator of PGIM's confidence in the long-term prospects of the US real estate and construction industries.
- 5/26/2026POSITIVEPGIM Backs $4 Billion of US Land-Bank Deals in Asset-Based Push
Prudential Financial's asset management arm, PGIM, has committed approximately $4 billion to land-banking projects via a partnership with Domain Real Estate Partners. This strategic move aims to secure exposure to the burgeoning US homebuilding sector. The significant capital allocation signals PGIM's confidence in the long-term growth prospects of the US real estate market, particularly in land acquisition for future development. Investors may view this as a positive indicator for Prudential's diversified asset management strategy and its ability to identify and capitalize on key industry trends.
- 5/5/2026POSITIVEPrudential Profit Rises Even as Firm Grapples With Japan Pause
Prudential Financial Inc. reported first-quarter profits that surpassed Wall Street's expectations, offering a positive development for CEO Andy Sullivan. The company's performance comes despite a recent sales pause implemented in Japan, one of its key operational regions. This earnings beat suggests underlying strength in Prudential's core business segments and its ability to navigate market challenges effectively. Investors will be watching closely to see if this positive momentum can be sustained and if the company can successfully resolve the issues impacting its Japanese operations.
- 5/5/2026NEUTRALPrudential CEO Plans Strategic Update With Japan Sales Paused
Prudential Financial Inc. CEO Andy Sullivan is set to deliver a strategic update later this year. This comes as the company faces a temporary pause in sales operations within Japan, a key market for its business. The update is anticipated to shed light on the company's future direction and how it plans to navigate challenges in its international operations, particularly in Japan. Investors will be looking for clarity on the duration of the sales pause and the strategic adjustments Prudential intends to make to mitigate its impact and ensure continued growth.