Prudential Financial (PRU)

Financials · $41.9B market cap · SEC CIK 0001137774

Next reports on Feb 1, 2027, after the close, with analysts expecting $3.09 in earnings per share.

52-week range $91.89 to $128.78. 4% below its 52-week high and 34% above its low.

The case for PRU

• Cheap for its growth: 10.8× earnings, where 4% a year of growth plus a 5.2% dividend would justify about 22×.
• Revenue growing 9.1% year over year.
• Earnings per share up 50.7%.
• Pays a 5.2% dividend while you wait.
• Price/sales of 0.7× is lower than 100% of Financials companies.

The case against

• Growth is weak (37/100): revenue +9.1%, EPS +50.7%, +1.4% a year over five years.
• Net margin of 7% is thinner than 91% of Financials companies.

What the score is made of

Each factor is half a curve over reported figures and half a rank among the other Financials companies (momentum is judged against fixed thresholds only), and the five are blended by weight. The score is where that blend places it in the S&P 500. It describes the last filing and the current price. It is not a forecast.

• Its debt and cash flow are not scored, as for every company in the Financials sector: for banks, insurers and brokers, borrowing is the business.
• Each factor except momentum is half fixed thresholds, half rank among the 76 Financials companies.

The financials

The financials, five years deep

Pulled from Prudential Financial's XBRL filings on SEC EDGAR. Italic rows are worked out from the others.

What Prudential Financial says it does

Table of Contents Page Overview 2 PGIM 3 Retirement Strategies 4 Group Insurance 6 Individual Life 7 International Businesses 9 Corporate and Other 10 Closed Block Division 11 Seasonality of Key Financial Items 12 Intangible and Intellectual Property 12 Regulation 13 Human Capital Resources 18 Available Information 19 Information About our Executive Officers 20 1 Table of Contents Overview Prudential Financial, Inc. (“Prudential Financial” or “PFI”), a global financial services leader and premier active global investment manager with approximately $1.609 trillion of assets under management as of December 31, 2025, has operations in the United States, Asia, Europe and Latin America. Through our subsidiaries and affiliates we offer a wide array of financial products and services, including life insurance, annuities, retirement-related products and services, mutual funds and investment management. We offer these products and services to…

Risk factors PRU lists in its 10-K

• Our investment portfolios are subject to the risk of loss due to default or deterioration in credit quality or value
• Our investment portfolio is subject to credit risk,
• which is the risk that an obligor (or guarantor) is unable or unwilling to meet its contractual payment obligations on its fixed maturity security, loan or other obligations
• The Company is subject to counterparty risk, which is
• the risk that the counterparty to a transaction could default or deteriorate in creditworthiness before or at the final settlement of a transaction
• Our investment portfolio is subject to equity risk, which is
• the risk of loss due to deterioration in market value of public equity or alternative assets
• Certain of our insurance products are subject to mortality risk, which is the risk that actual deaths experienced deviate adversely from our expectations
• Certain of our insurance products are subject to morbidity risk, which is
• the risk that either incidence, utilization or continuation experience deviates adversely from our expectations
• Certain of our insurance products are subject to policyholder behavior risk, which is
• the risk that actual policyholder behavior deviates adversely from our expectations. Policyholder behavior risk can manifest in the following ways
• Our ability to reprice products is limited and may not compensate for deviations from our expected insurance assumptions
• Our significant business operations outside the U.S. subject us to foreign exchange risk, which is
• the risk of loss arising from assets that are invested in a different currency than the related liability, as well as the unhedged portion of the Company’s earnings from, and capital supporting, operations in a foreign currency
• We are subject to counterparty risk associated with reinsurance transactions
• As a financial services company, we are exposed to liquidity risk, which is the risk that the Company is unable to meet near-term obligations as they come due
• Derivative collateral market exposure
• We are subject to business continuation risk, which is the risk that our operations, systems or data, or those of third-parties on whom we rely, may be disrupted
• We, or third parties on whom we rely, may not adequately maintain information security
• We, or third parties on whom we rely, may not adequately ensure the integrity, confidentiality, or availability of personal and confidential information
• We have incurred and could incur significant costs and other negative consequences resulting from cyber-attacks or other information security breaches
• Third parties (outsourcing providers, vendors and suppliers and joint venture partners) present added operational risk to our enterprise
• The manner in which our products are distributed, including by affiliate and third-party distributors of our products, presents added regulatory, competitive and other risks to our enterprise
• We may not be able to protect our intellectual property and may be subject to infringement claims
• We are subject to the risk of events that can cause our fundamental business model to change, either through a shift in the businesses in which we are engaged or a change in our execution
• Actions by governments could adversely affect the value and long-term growth prospects of our businesses, particularly in emerging markets
• Our ability to successfully execute on strategic transactions is subject to risks
• Changes in the regulatory landscape
• may be unsettling to our business model
• Changes in technology and other external factors
• may be unsettling to our business model
• The following items are examples of other factors which could have an adverse impact on our business
• A downgrade in our financial strength or credit ratings could potentially, among other things, adversely impact our business prospects, results of operations, financial condition and liquidity
• The changing competitive landscape may adversely affect the Company
• Climate change may increase the severity and frequency of calamities, or adversely affect our investment portfolio or investor sentiment
• We may fail to meet expectations relating to environmental, social, and governance standards and practices
• Market conditions and other factors may adversely impact product sales or increase expenses. Examples include
• Our reputation may be adversely impacted if any of the risks described in this section are realized

Filings

Other Financials companies