Financials · Life & Health Insurance · US stock · price as of 23 Oct 2026
Key indicators
Price
$114.99
52-week range
$91.89 – $127.72
Market cap
$40.0B
P/E (trailing)
10.3×
Dividend yield
4.8%
Revenue (last 12 months)
$64.8B
Revenue growth (3y a year)
2.2%
Price / book
1.3×
Return on equity
12.4%
Fair value
Fair value (average of valid models)$132.59 middle half of models $120 – $140
Versus priceFair+15% to fair value
P/E multiple
$123.16
P/B multiple
$116.95
P/S multiple
$157.65
Model uncertainty
Medium
X-Ray Score
47/ 100 · Medium confidence · ahead of 34% of sector peers
Valuation67
Growth10
Profitability35
Financial health67
Dividends63
Five-year price chart navy: price · brown: 200-day average · blue band: fair value range
Executive summary
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%. 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.
StocksXray gives Prudential Financial Inc an X-Ray Score of 47 out of 100 (medium confidence), ahead of 34% of the S&P 500 stocks in its sector. Its strongest lens is valuation (67) and its weakest is growth (10).
Our fair value (the average of the valid models) is $132.59 (range $120.06 to $140.41). At $114.99 the stock trades 13% below that value, so the label is "Fair" with medium model uncertainty. Fair value is a range, not a price target.
XStocksXray
Prudential Financial Inc (PRU)
Valuation history multiples at each fiscal year-end price; the last column uses today's price and the last twelve months
FY2021
FY2022
FY2023
FY2024
FY2025
Now
Price
$85.74
$82.43
$90.75
$108.40
$108.60
$114.99
Market cap
$33.4B
$30.7B
$33.1B
$38.9B
$38.4B
$40.0B
P/E
3.8×
–
13.5×
14.5×
10.9×
10.3×
Price / book
0.5×
1.0×
1.2×
1.4×
1.2×
1.3×
Dividend yield
5.37%
5.82%
5.51%
4.80%
4.97%
4.83%
Fundamentals checklist ● 2 Good · ● 1 Average · ● 3 Bad · each check graded against the sector
Risk models
Piotroski F-Score8 of 9Good
Growth
Revenue growth (3y)2.2%Bad
Growth consistency60%Bad
Valuation
Fair value vs price1.2×Good
Profitability
Return on invested capital10.6%Average
Operating margin7.6%Bad
XStocksXray
Prudential Financial Inc (PRU)
Financials US$ millions, from SEC filings; last column is the last twelve months
Income statement
FY21
FY22
FY23
FY24
FY25
LTM
Revenue
71,247
56,881
53,979
70,405
60,774
64,765
Net income
8,868
-1,647
2,488
2,727
3,576
3,918
Diluted EPS ($)
22.40
-4.49
6.74
7.50
9.99
11.16
Net margin
12.4%
−2.9%
4.6%
3.9%
5.9%
6.0%
Balance sheet
FY21
FY22
FY23
FY24
FY25
LTM
Total assets
937,582
689,029
721,212
735,587
773,740
783,554
Cash
12,888
17,251
19,419
18,497
19,712
15,162
Total debt
19,344
20,683
19,500
20,140
20,299
20,618
Equity
61,876
30,593
27,820
27,872
32,438
31,577
Dividend per share ($)
4.60
4.80
5.00
5.20
5.40
5.50
Revenue and net income US$ billions: navy revenue, teal net income
Every number comes from SEC filings, end-of-day prices and the StocksXray models described on the methodology page. The X-Ray Score ranks each metric against the company's own sector. Fair value is the average of up to 15 valuation models, most of them anchored to the company's own multiples, so it stays near the price and should be read as a range, not a point. Analyst ratings, price targets and earnings-call summaries are not part of this report. Educational research, not financial advice; read the disclaimer.
