Prudential Financial Inc (PFH)
Financials · Life & Health Insurance · US stock · S&P 500 component
$14.89
▲ +0.04 (0.27%)
Fair valueData under review
No reliable estimate yet
Too few of our valuation models give a usable value for this company, so we show no number rather than a misleading one. How fair value works
Day's range
$14.78 – $15.00
52-week range
$14.50 – $18.60
About Prudential Financial Inc
This company, linked to the Prudential Financial group, provides life insurance, retirement products and investment management services. It sells protection and savings products to individuals and institutions and manages investment portfolios for clients. Revenue comes from insurance premiums, investment income on the assets backing its policies, and fees for managing assets and administering retirement plans.
Trailing twelve-month revenue stands at $64.8 billion. The three-year revenue growth rate is 2.2% a year. Profitability shows an operating margin of 7.6% and a return on invested capital of 11%. Shareholders receive a dividend, yielding 6.9%. This gives an X-Ray Score of 55 out of 100. These figures describe past results as reported and are a factual snapshot, not a forecast. Some measures, such as margins for real estate trusts and banks, are defined differently from those of industrial firms, so comparisons should be made with care.
Price chart
52-wk range $14.50 – $18.60Volume 33,714Daily, split-adjusted
Vitals
Market cap$5.2B
52-week range$14.50 – $18.60
Volume (last day)33,714
P/E (TTM)1.3
EBIT / EV yield44.6%
Free-cash-flow yield–
Dividend yield6.9%
Revenue (TTM)$64.8B
Net income (TTM)$3.9B
Operating margin7.6%
Return on capital10.6%
Debt incl. leases$20.6B
Cash & securities$15.2B
Debt = borrowings plus lease liabilities. Cash & securities = cash, equivalents and short-term marketable securities (long-term securities are not counted, so net cash can be understated for companies that hold large long-term investments). Net debt = debt minus cash & securities. Source: latest SEC 10-Q/10-K. EBIT / EV yield = operating profit divided by market cap plus net debt.
Fair value estimate
Data under review
Only 2 valuation models give a usable value for this company, which is too few for a fair value we would stand behind
What this means
Read the lenses below
A high score does not guarantee a good outcome; it shifts the odds a little. Use the checklist as a prompt for your own research.
Before you invest · decision checklist
Ticked boxes are filled in from our data; the rest are yours to answer.
The five-lens scan
Every score explained in one sentence, ranked against Financials peers. Open a lens to see the numbers behind it.
Strong: 70 to 100Fair: 50 to 69Weak: under 50No score: not enough data
Valuation
Strong
98/100
Cheap against its sector on earnings and cash flow.
See the numbers →
EBIT / EV yield44.6%
Growth
Weak
10/100
Growing slower than most of its sector.
See the numbers →
Revenue growth (3y)2.2%
Growth consistency60%
Profitability
Weak
35/100
Earns lower returns on its capital than most peers.
See the numbers →
Return on invested capital10.6%
Operating margin7.6%
Financial health
Fair
67/100
Balance sheet is in typical shape for its sector.
See the numbers →
Piotroski F-Score8 / 9
Net debt / EBITDA1.1×
Interest coverNo interest cost
Dividends
Fair
64/100
Dividend is typical for its sector.
See the numbers →
Dividend yield6.9%
Dividend growth2.0%
Quarterly results: last 6 quarters
-42.7%
Mar '25
-7.8%
Jun '25
-8.2%
Sep '25
+25.3%
Dec '25
+15.3%
Mar '26
+14.1%
Jun '26
Revenue against the same quarter a year earlier. Latest quarter revenue $15.7B, diluted EPS $2.80.
Compare with peers
MET Metlife Inc56 GL Globe Life Inc.49 PFG Principal Financial Gr...37 AFL Aflac Inc35Other Life & Health Insurance companies by X-Ray Score.
SWOT analysis: Prudential Financial Inc
Strengthsinside the company
- Operating profit covers interest 50x, so debt costs are a small drag.
- Passes 8 of the 9 Piotroski tests, which points to improving profitability, funding and efficiency.
Weaknessesinside the company
- Return on invested capital of 10.6% is well below the 20.9% median of industry peers.
- Operating margin of 7.6% is thin against 26.4% for industry peers.
Opportunitiesvaluation and setting
- Trades at 1.3x earnings, 90% below the 13.8x median of industry peers.
- Our Market Compass rates the backdrop for Financials as favourable.
Threatsvaluation and setting
- Revenue growth slowed to -13.7% last year from 2.2% a year over three years.
- Too few of our valuation models give a usable value for this company to state a fair value; treat price comparisons with caution.
Written by fixed rules from the figures on this page and the peer table below: filings, our fair value, the sector climate and the price trend. It summarises the data, it is not a forecast or advice.
Compare PFH with peers and sector
Medians of 4 Life & Health Insurance peers and of 70 Financials stocks in our universe.
Largest peers (X-Ray Score): MET 56, AFL 35, PFG 37, GL 49.
| Metric | PFH | Peers | Sector |
|---|---|---|---|
| X-Ray Score (out of 100) | 55 | 43 | 50 |
| Valuation | 98 | 50 | 52 |
| Growth | 10 | 19 | 54 |
| Profitability | 35 | 54 | 49 |
| Financial health | 67 | 45 | 50 |
| Dividends | 64 | 44 | 54 |
Sector leaders: highest X-Ray Score in Financials
PFH ranks #26 of 71 in Financials and #2 of 5 in Life & Health Insurance by X-Ray Score. A higher score is stronger on our five pillars; it is a ranking of facts, not a forecast.
Green means better than the peer median, red worse (only where a higher or lower figure is clearly better). A dash means too few companies report the figure. P/E, EV/EBITDA and price changes are not graded: a different level is not good or bad by itself.
Factor ratings for PFH
Each factor is rated by where PFH stands among the 71 Financials stocks in our universe.
Rating against the sector
Goodthe top third of these stocks
Averagethe middle third of these stocks
Badthe bottom third of these stocks
"Beats" is the share of those stocks it is ahead of.
Against its own history
The last columns set today's figure against the company's own median of its last five financial years:
▲ Betterbetter than its usual level
▼ Worseworse than its usual level
≈ In linewithin its usual range
For valuation factors Good means cheaper than most of the sector and Better means cheaper than usual for this company, which is not the same as a bargain.
In total: 3 Good · 1 Average · 3 Bad of 7
Growth: 0 · 0 · 2
Profitability: 0 · 1 · 1
Valuation: 3 · 0 · 0
| Factor | PFH | Rating | Sector median | Own 5-year median | Against own history |
|---|---|---|---|---|---|
| Growth | |||||
| Revenue growth, 3 years a year | +2.2% | Bad beats 15% | +8.3% | – | – |
| Revenue growth, last year | −13.7% | Bad beats 2% | +6.9% | −5.1% | ▼ Worse |
| Profitability | |||||
| Net margin | 6.0% | Bad beats 12% | 21.8% | 4.6% | ▲ Better |
| Return on equity | 12.4% | Average beats 39% | 15.7% | 9.8% | ▲ Better |
| Valuation | |||||
| P/E ratio | 1.3x | Good beats 99% | 13.8x | 2.1x | ≈ In line |
| Price / book | 0.2x | Good beats 99% | 2.2x | 0.2x | ≈ In line |
| Price / sales | 0.1x | Good beats 99% | 3.1x | 0.1x | ≈ In line |
These ratings compare companies with each other and describe the past; they are not a forecast, a recommendation or part of the X-Ray Score. A factor is left out when its data is missing or meaningless (for example a P/E on negative earnings), and banks and insurers are rated only on the factors that apply to them. A dash in the history columns means fewer than three usable years.
Fundamentals checklist
● 3 Good · ● 3 Average · ● 3 BadCash quality
Earnings backed by cashAverage
Risk models
Piotroski F-ScoreGood
Growth
Revenue growth (3y)Bad
Growth consistencyBad
Balance sheet
Net debt / EBITDAAverage
Interest coverGood
Valuation
EBIT / EV yieldGood
Profitability
Return on invested capitalAverage
Operating marginBad
Each check is graded against the company's sector, not a fixed number. Checklist score 46/100.
Financials
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Revenue | $71.2B | $56.9B | $54.0B | $70.4B | $60.8B |
| Operating income | $12.3B | −$295M | $4.8B | $5.2B | $4.7B |
| Net income | $8.9B | −$1.6B | $2.5B | $2.7B | $3.6B |
| Operating cash flow | $9.8B | $5.2B | $6.5B | $8.5B | $6.3B |
| Operating margin | 17.3% | -0.5% | 9.0% | 7.4% | 7.7% |
| Free cash flow | – | – | – | – | – |
| Diluted EPS | $22.40 | $-4.49 | $6.74 | $7.50 | $9.99 |
Fiscal years, from SEC filings.
Technical summary
Daily
Bearish
3 bullish · 4 neutral · 9 bearish
Weekly
Strongly bearish
0 bullish · 1 neutral · 11 bearish
Monthly
Strongly bearish
0 bullish · 1 neutral · 7 bearish
Moving averages (daily)
| SMA 10 | 14.84 | Bullish |
| EMA 10 | 14.88 | Bullish |
| SMA 20 | 14.87 | Bullish |
| EMA 20 | 14.92 | Bearish |
| SMA 50 | 15.13 | Bearish |
| EMA 50 | 15.14 | Bearish |
| SMA 100 | 15.52 | Bearish |
| EMA 100 | 15.44 | Bearish |
| SMA 200 | 16.05 | Bearish |
| EMA 200 | 15.83 | Bearish |
Oscillators (daily)
| RSI (14) | 47.44 | Neutral |
| MACD (12, 26) | -0.08 | Bearish |
| Momentum (12) | -0.07 | Bearish |
| Stochastic %K (14) | 51.32 | Neutral |
| Williams %R (14) | -48.68 | Neutral |
| CCI (20) | 18.60 | Neutral |
Pivot points (classic, last session)
S3 14.56 | S2 14.67 | S1 14.78 | Pivot 14.89 | R1 15.00 | R2 15.11 | R3 15.22 |
Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.
Dividends
Paid, last 12 months
1.03 USD
Yield on today's price
6.93%
Frequency
Quarterly
Next ex-dividend date
13 Nov 2026
| Ex-dividend date | Amount per share |
|---|---|
| (upcoming) | 0.2578 |
| 0.2580 | |
| 0.2580 | |
| 0.2580 | |
| 0.2580 | |
| 0.2580 | |
| 0.2580 | |
| 0.2580 | |
| 0.2580 | |
| 0.2580 | |
| 0.2580 | |
| 0.2580 |
Ex-dividend dates and amounts from EODHD. Shown as declared, before tax.
PFH SEC filings
8-KSEC EDGAR
Regulation FD disclosure; Other events
8-KSEC EDGAR
Results of operations; Regulation FD disclosure
8-KSEC EDGAR
Regulation FD disclosure
8-KSEC EDGAR
Regulation FD disclosure
10-QSEC EDGAR
Quarterly report
8-KSEC EDGAR
Results of operations; Regulation FD disclosure
8-KSEC EDGAR
Regulation FD disclosure
8-KSEC EDGAR
Results of operations; Regulation FD disclosure
Where the numbers come from
Statements SEC EDGAR filings (10-K, 10-Q), quarters derived from year-to-date figures.
Prices end-of-day closes, split-adjusted.
Industry inputs beta, multiples and equity risk premium from Damodaran Online (NYU Stern).
StocksXray is for education only and is not financial advice. Scores and fair values are model estimates from public filings and carry uncertainty.