Prudential Financial (PRU)
Financials · $40.2B market cap · SEC CIK 0001137774
fundamentals score out of 100
Next reports on Oct 27, 2026, after the close, with analysts expecting $3.53 in earnings per share.
The case for PRU
- Cheap on earnings at 10.3×, well under the market's usual 20×.
- Revenue growing 11.3% year over year.
- Earnings per share up 144.2%.
- Pays a 5.2% dividend while you wait.
- A PEG of 0.07: a P/E of 10.3× is low for EPS growing 144%.
- Trades at 1.19× book value, close to what the balance sheet says it owns.
The case against
- Growth is weak (42/100): revenue +11.3%, EPS +144.2%, +1.4% a year over five years.
- Net margin of 6% is thinner than 92% 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. It describes the last filing and the current price. It is not a forecast.
| Valuewhat you pay for the earnings, sales, assets and cash | 89 |
|---|---|
| Growthhow fast revenue and earnings are moving, this year and over five | 42 |
| Profitabilityhow much of the revenue becomes profit, and how much of that is cash | 31 |
| Momentumhow the price has behaved lately | 70 |
| Stabilityhow violently it moves, what it owes and what it pays you | 80 |
- 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 74 Financials companies.
Key numbers
| Price / earnings | 10.3× |
|---|---|
| Price / book | 1.19× |
| Price / sales | 0.7× |
| Revenue growth (YoY) | +11.3% |
| EPS growth (YoY) | +144.2% |
| Gross margin | — |
| Operating margin | 8% |
| Net margin | 6% |
| Return on equity | 12% |
| Debt / equity | 0.78× |
| Current ratio | n/a |
| Dividend yield | 5.22% |
| Beta | 0.85 |
| 52-week range | $91.89 – $127.72 |
| Position in that range | 72% of the way up |
| 3-month return | +11.3% |
| 1-year return | +14.4% |
Five years of financials, as filed
Pulled from Prudential Financial's XBRL filings on SEC EDGAR. Italic rows are derived from the rows above.
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|
| Revenue | $60.8B | $70.4B | $54.0B | $56.9B | $71.2B |
| Net income | $3.6B | $2.7B | $2.5B | -$1.6B | $8.9B |
| Operating cash flow | $6.3B | $8.5B | $6.5B | $5.2B | $9.8B |
| Total assets | $774B | $736B | $721B | $689B | $938B |
| Total liabilities | $738B | $705B | $691B | $657B | $875B |
| Shareholder equity | $32.4B | $27.9B | $27.8B | $30.6B | $61.9B |
| Cash | $19.7B | $18.5B | $19.4B | $17.3B | $12.9B |
| Long-term debt | $18.9B | $19.2B | $18.9B | $19.9B | $18.6B |
| Net margin | 5.9% | 3.9% | 4.6% | -2.9% | 12.4% |
| Diluted shares | 354M | 359M | 365M | 372M | 390M |
Share count is down 9.3% over 4 years. Buybacks have been shrinking the pie.
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
- Financial and Economic Environment
- Impact of Changes in the Interest Rate Environment
- Impact of Foreign Currency Exchange Rates
- Foreign currency exchange rate movements and related hedging strategies
- Foreign currency hedging instruments
- Impact of intercompany foreign currency exchange rate arrangements on segment results of operations
- Segment impacts of intercompany arrangements
- Impact of products denominated in non-local currencies on U.S. GAAP earnings
- Annual Reviews and Update of Assumptions and Other Refinements
- Adjusted operating income before income taxes by segment
- Assets Under Management(1) (at fair value)
- Assets Under Management (at fair value)
- Total Institutional Retirement Strategies
- Amounts included in "Ending account value, net" above