Prudential Financial Inc (PRU)

Financials · Life & Health Insurance · US stock · S&P 500 component

$114.99 ▼ -3.18 (2.69%)

At close 23 Oct 2026 · USD · Volume 2,028,300

Compare with MET

Interactive chart Research report Forecast ranges Pro workspace SEC filings Historical data

Fair valueFair

$133 +15.3% to fair value

$66fair band $113–$161$199

Day's range

$114.12 – $117.20

52-week range

$91.89 – $127.72

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 4.8%. This gives an X-Ray Score of 47 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

Interactive chart Historical data & CSV

52-wk range $91.89 – $127.72Volume 2,028,300Daily, split-adjusted

Vitals

Market cap$40.0B

52-week range$91.89 – $127.72

Volume (last day)2,028,300

P/E (TTM)10.3

EBIT / EV yield10.7%

Free-cash-flow yield–

Dividend yield4.8%

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

$133middle half of models $120 – $140

Fair +15.3% to fair value

Average of the 3 valuation models that pass our checks: multiples, discounted cash flow, dividend discount and earnings power value. A model more than 100% above or 60% below the price is left out as unrealistic. Model uncertainty is Medium, based on how far apart the models are. Undervalued or Overvalued means the gap to fair value is more than 17.5%.

Price $115

Undervalued < $113Fair $113 – $161Overvalued > $161

P/E multiple

$123

P/B multiple

$117

P/S multiple

$158

Dividend discount, stable · not used

$327

Dividend discount, multi-stage · not used

$675

A model estimate, not a price target or recommendation. Inputs: risk-free 5.00%, equity risk premium 4.30% (Damodaran). How it works.

What this means

Average business, fairly priced

The price sits inside our fair-value band. 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

I understand how this company makes money Business quality is average or better ✓ 51 The price is not above fair value $133 fair value Debt looks manageable 1.1× EBITDA Revenue has been growing 2.2% a year Profits are backed by cash There are no red flags none raised I know what share of my savings this would be

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 Fair

67/100

Priced about in line with its sector.

See the numbers →

EBIT / EV yield10.7%

Fair value vs price1.2×

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

63/100

Dividend is typical for its sector.

See the numbers →

Dividend yield4.8%

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 Inc58 GL Globe Life Inc.49 PFG Principal Financial Gr...38 AFL Aflac Inc37

Other 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 10.2x earnings, 25% below the 13.6x 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.

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 PRU 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 58, AFL 37, PFG 38, GL 49.

Metric	PRU	Peers	Sector
X-Ray Score (out of 100)	47	44	51
Valuation	67	56	52
Growth	10	19	54
Profitability	35	54	50
Financial health	67	45	51
Dividends	63	44	54

Sector leaders: highest X-Ray Score in Financials

PRU ranks #47 of 71 in Financials and #3 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.

Company	X-Ray Score
#1 PGR Progressive Corp	69
#2 SCHW Schwab Charles Corp	68
#3 AMP Ameriprise Financial Inc	68
#4 AIZ Assurant, Inc.	67
#5 PYPL PayPal Holdings, Inc.	65
…
#47 PRU Prudential Financial Inc (this stock)	47

Metric	PRU	Peers	Sector
P/E ratio	10.2x	13.6x	13.7x
PEG ratio	–	–	1.11
Price / book	1.3x	2.0x	2.2x
Price / sales	0.6x	1.8x	3.1x
EV / EBITDA	9.3x	9.0x	10.7x
Price / free cash flow	–	–	16.9x
Dividend yield	4.8%	2.2%	1.9%
Gap to our fair value	+15.3%	+8.4%	+7.3%

Metric	PRU	Peers	Sector
Price change, 1 month	−2.2%	−1.5%	+3.7%
Price change, 3 months	−1.3%	−0.3%	−1.9%
Price change, 6 months	+25.0%	+9.7%	+7.2%
Price change, 1 year	+19.0%	+22.5%	+13.4%

Metric	PRU	Peers	Sector
Market value	$40.0B	$42.4B	$46.9B
Revenue (last 12 months)	$64.8B	$16.8B	$15.6B
EBITDA (last 12 months)	$4.9B	$6.0B	$4.6B
Net income (last 12 months)	$3.9B	$2.5B	$3.2B
Free cash flow (last 12 months)	–	–	$2.6B

Metric	PRU	Peers	Sector
Revenue growth, last year	−13.7%	+0.3%	+6.9%
Revenue growth, 3 years a year	+2.2%	+0.2%	+8.7%
EPS growth, 3 years a year	–	−4.9%	+12.2%
Free cash flow growth, 3 years a year	–	–	+12.7%
Dividend growth	+2.0%	+2.2%	+5.4%

Metric	PRU	Peers	Sector
Gross margin	–	–	54.1%
EBITDA margin	7.6%	26.4%	31.6%
Operating margin	7.6%	26.4%	28.9%
Net margin	6.0%	15.1%	21.7%
Return on invested capital	10.6%	20.9%	13.6%
Return on equity	12.4%	14.9%	16.0%

Metric	PRU	Peers	Sector
Net debt / EBITDA	1.1x	–	1.1x
Interest cover	50.0x	25.3x	50.0x
Current ratio	–	–	1.1x
Piotroski F-score (0 to 9)	8	6	7

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 PRU

Each factor is rated by where PRU 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	PRU	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%	21.5%	4.6%	▲ Better
Return on equity	12.4%	Average beats 39%	15.7%	9.8%	▲ Better
Valuation
P/E ratio	10.2x	Good beats 82%	13.7x	13.2x	▲ Better
Price / book	1.3x	Good beats 78%	2.1x	1.2x	≈ In line
Price / sales	0.6x	Good beats 99%	3.1x	0.7x	≈ 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 · ● 4 Average · ● 3 Bad

Cash 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

Fair value vs priceGood

EBIT / EV yieldAverage

Profitability

Return on invested capitalAverage

Operating marginBad

Each check is graded against the company's sector, not a fixed number. Checklist score 41/100.

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.

Who owns PRU stock? Institutional holders (Form 13F)

At 30 June 2026, 1,402 institutional managers reported owning Prudential Financial Inc shares to the SEC: 218.53M shares, about $23.6B at the quarter-end close of $107.93. The ten largest reported holders account for 57% of those shares. PRU is reported by more managers than 304 of the 499 S&P 500 stocks we cover (the median stock has 1,192). Against 31 March 2026:

132 new491 added440 reduced308 unchanged88 sold out

Among the 1,459 managers that filed in both quarters and held PRU in at least one of them, the shares they report changed by +0.5%, about +$109M at the 30 Jun 2026 price. Ranked by this percent change, PRU is 211th of 497 among the S&P 500 stocks we can compare (1st is the largest rise). See which stocks institutions added and reduced most →

#	Manager	Shares	Value	Change in the quarter
1	BlackRock, Inc.	32.50M	$3.5B	−2.9%
2	Vanguard Capital Management LLC	22.64M	$2.4B	Unchanged
3	State Street Corp	17.16M	$1.9B	+1.2%
4	Vanguard Portfolio Management LLC	16.32M	$1.8B	Unchanged
5	Geode Capital Management, LLC	11.26M	$1.2B	+2.0%
6	Morgan Stanley	5.88M	$635M	−4.4%
7	Invesco Ltd.	5.12M	$553M	+7.4%
8	Goldman Sachs Group Inc	4.88M	$526M	−4.4%
9	Northern Trust Corp	4.14M	$447M	−0.5%
10	Arrowstreet Capital, Limited Partnership	4.03M	$435M	+57.7%

Largest additions in the quarter: Arrowstreet Capital, Limited Partnership (1.47M shares, +$159M), AQR Capital Management LLC (895,697 shares, +$97M), Canada Pension Plan Investment Board (427,732 shares, +$46M). Largest reductions: BlackRock, Inc. (−968,631 shares, −$105M), Man Group plc (−761,281 shares, −$82M), Bessemer Group Inc (−580,119 shares, −$63M).

Quarter end	Managers reporting	Shares reported	Change in reported shares vs the quarter before
30 Jun 2026	1,402	218.53M	+0.5%
31 Mar 2026	1,362	215.93M	+2.5%
31 Dec 2025	1,406	214.39M	+0.2%
30 Sep 2025	1,308	211.76M	+0.1%
30 Jun 2025	1,310	211.95M	–

Quarter-end positions, filed with the SEC up to 45 days later, so managers may have bought or sold since. Filings in this data run to 31 Aug 2026. Form 13F covers US institutional managers with at least $100 million in reportable securities and lists long positions only: options, short positions and smaller or non-US holders are not in it. A manager is a filer, not necessarily the final owner, and shares held for clients can be reported by more than one manager, so the lists overlap and are not a split of the company; for the same reason we show no share of shares outstanding. Value is shares times the quarter-end close; the change compares with the quarter before, is restated for splits and leaves out managers whose total reported S&P 500 holdings at least doubled or halved between the two quarters, which points to a change in what they report, not trading. 7 filing rows were left out because the value did not fit shares times price or exceeded the company's share count. "Smart money" is a label some analysts put on large institutions: these figures show who reported holding the stock, not that they were right, and they say nothing about where the price goes next. Source: SEC Form 13F data sets, updated when the SEC publishes the next quarter.

Technical summary

Daily

Neutral

6 bullish · 4 neutral · 6 bearish

Weekly

Bullish

7 bullish · 1 neutral · 4 bearish

Monthly

Strongly bullish

7 bullish · 1 neutral · 0 bearish

Moving averages (daily)

SMA 10	114.9	Bullish
EMA 10	115.2	Bearish
SMA 20	114.3	Bullish
EMA 20	115.3	Bearish
SMA 50	117.5	Bearish
EMA 50	115.9	Bearish
SMA 100	115.2	Bearish
EMA 100	113.9	Bullish
SMA 200	106.9	Bullish
EMA 200	109.9	Bullish

Oscillators (daily)

RSI (14)	48.28	Neutral
MACD (12, 26)	-0.40	Bearish
Momentum (12)	2.34	Bullish
Stochastic %K (14)	55.17	Neutral
Williams %R (14)	-44.83	Neutral
CCI (20)	66.05	Neutral

Pivot points (classic, last session)

110.6

112.4

113.7

Pivot

115.4

116.8

118.5

119.8

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

5.55 USD

Yield on today's price

4.83%

Frequency

Quarterly

Next ex-dividend date

Not announced

Tap a dividend date to compare the dividend yield on that day with today's.

Ex-dividend date	Amount per share
	1.4000
This payment: 1.4000 USD per share, ex-dividend 25 Aug 2026. On 25 Aug 2026 4.62% Share price that day 120.15 USD. Dividends in the 12 months up to that day: 5.55 USD (1.40 + 1.40 + 1.40 + 1.35). Today, latest close 23 Oct 2026 4.83% Share price 114.99 USD. Dividends in the last 12 months: 5.55 USD (1.40 + 1.40 + 1.40 + 1.35). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	1.4000
This payment: 1.4000 USD per share, ex-dividend 26 May 2026. On 26 May 2026 5.36% Share price that day 102.62 USD. Dividends in the 12 months up to that day: 5.50 USD (1.40 + 1.40 + 1.35 + 1.35). Today, latest close 23 Oct 2026 4.83% Share price 114.99 USD. Dividends in the last 12 months: 5.55 USD (1.40 + 1.40 + 1.40 + 1.35). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	1.4000
This payment: 1.4000 USD per share, ex-dividend 17 Feb 2026. On 17 Feb 2026 5.28% Share price that day 103.27 USD. Dividends in the 12 months up to that day: 5.45 USD (1.40 + 1.35 + 1.35 + 1.35). Today, latest close 23 Oct 2026 4.83% Share price 114.99 USD. Dividends in the last 12 months: 5.55 USD (1.40 + 1.40 + 1.40 + 1.35). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	1.3500
This payment: 1.3500 USD per share, ex-dividend 18 Nov 2025. On 18 Nov 2025 5.26% Share price that day 102.64 USD. Dividends in the 12 months up to that day: 5.40 USD (1.35 + 1.35 + 1.35 + 1.35). Today, latest close 23 Oct 2026 4.83% Share price 114.99 USD. Dividends in the last 12 months: 5.55 USD (1.40 + 1.40 + 1.40 + 1.35). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	1.3500
This payment: 1.3500 USD per share, ex-dividend 19 Aug 2025. On 19 Aug 2025 5.04% Share price that day 106.25 USD. Dividends in the 12 months up to that day: 5.35 USD (1.35 + 1.35 + 1.35 + 1.30). Today, latest close 23 Oct 2026 4.83% Share price 114.99 USD. Dividends in the last 12 months: 5.55 USD (1.40 + 1.40 + 1.40 + 1.35). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	1.3500
This payment: 1.3500 USD per share, ex-dividend 20 May 2025. On 20 May 2025 5.01% Share price that day 105.87 USD. Dividends in the 12 months up to that day: 5.30 USD (1.35 + 1.35 + 1.30 + 1.30). Today, latest close 23 Oct 2026 4.83% Share price 114.99 USD. Dividends in the last 12 months: 5.55 USD (1.40 + 1.40 + 1.40 + 1.35). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	1.3500
This payment: 1.3500 USD per share, ex-dividend 18 Feb 2025. On 18 Feb 2025 4.70% Share price that day 111.79 USD. Dividends in the 12 months up to that day: 5.25 USD (1.35 + 1.30 + 1.30 + 1.30). Today, latest close 23 Oct 2026 4.83% Share price 114.99 USD. Dividends in the last 12 months: 5.55 USD (1.40 + 1.40 + 1.40 + 1.35). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	1.3000
This payment: 1.3000 USD per share, ex-dividend 19 Nov 2024. On 19 Nov 2024 4.17% Share price that day 124.61 USD. Dividends in the 12 months up to that day: 5.20 USD (1.30 + 1.30 + 1.30 + 1.30). Today, latest close 23 Oct 2026 4.83% Share price 114.99 USD. Dividends in the last 12 months: 5.55 USD (1.40 + 1.40 + 1.40 + 1.35). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	1.3000
This payment: 1.3000 USD per share, ex-dividend 20 Aug 2024. On 20 Aug 2024 4.55% Share price that day 113.26 USD. Dividends in the 12 months up to that day: 5.15 USD (1.30 + 1.30 + 1.30 + 1.25). Today, latest close 23 Oct 2026 4.83% Share price 114.99 USD. Dividends in the last 12 months: 5.55 USD (1.40 + 1.40 + 1.40 + 1.35). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	1.3000
This payment: 1.3000 USD per share, ex-dividend 20 May 2024. On 20 May 2024 4.33% Share price that day 117.70 USD. Dividends in the 12 months up to that day: 5.10 USD (1.30 + 1.30 + 1.25 + 1.25). Today, latest close 23 Oct 2026 4.83% Share price 114.99 USD. Dividends in the last 12 months: 5.55 USD (1.40 + 1.40 + 1.40 + 1.35). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	1.3000
This payment: 1.3000 USD per share, ex-dividend 16 Feb 2024. On 16 Feb 2024 4.71% Share price that day 107.28 USD. Dividends in the 12 months up to that day: 5.05 USD (1.30 + 1.25 + 1.25 + 1.25). Today, latest close 23 Oct 2026 4.83% Share price 114.99 USD. Dividends in the last 12 months: 5.55 USD (1.40 + 1.40 + 1.40 + 1.35). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	1.2500
This payment: 1.2500 USD per share, ex-dividend 20 Nov 2023. On 20 Nov 2023 5.30% Share price that day 94.28 USD. Dividends in the 12 months up to that day: 5.00 USD (1.25 + 1.25 + 1.25 + 1.25). Today, latest close 23 Oct 2026 4.83% Share price 114.99 USD. Dividends in the last 12 months: 5.55 USD (1.40 + 1.40 + 1.40 + 1.35). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.

Ex-dividend dates and amounts from EODHD. Shown as declared, before tax.

ETFs that hold PRU

ETF	Share of the fund
PEY Invesco High Yield Equity Dividend Ach...	2.52%
DVY iShares Select Dividend	2.21%
SPHD Invesco S&P 500 High Dividend Low Vola...	1.87%
KIE SPDR S&P Insurance	1.84%
FDVV Fidelity High Dividend	1.50%
KBWD Invesco KBW High Dividend Yield Financ...	1.35%
FDL First Trust Morningstar Dividend Leade...	1.31%
SPYD SPDR Portfolio S&P 500 High Dividend	1.18%

The eight funds with the largest weight in PRU among the ETFs we cover, from each fund's latest SEC Form N-PORT (quarter-end positions, so they can be months old). All ETFs.