Prudential Financial, Inc. PRU SPX

Financial Services · Insurance - Life · United States

https://www.prudential.com

Prudential Financial, Inc., together with its subsidiaries, provides financial products and services in the United States, Japan and internationally. It operates through PGIM, Retirement Strategies, Group Insurance, Individual Life, and International Businesses segments. The PGIM segment offers investment management services and solutions related to public fixed income, public equity, real estate debt and equity, private credit and other alternatives, and multi-asset class strategies to institutional and retail clients, as well as its insurance and retirement businesses. The Retirement Strategies segment provides a range of retirement investment, and income products and services to retirement plan sponsors in the public, private, and not-for-profit sectors; group annuities and other products; international reinsurance; investment only products; and FlexGuard suite, Fixed annuities, and variable annuities, as well as develops and distributes individual variable and fixed annuity products. The Group Insurance segment offers various group life, and long-term and short-term group disability, as well as group corporate-, bank-, and trust-owned life insurance; and supplemental health solutions including accident, critical illness, and hospital indemnity. The Individual Life segment develops and distributes variable life, universal life, and term life insurance products. The International Businesses segment develops and distributes life insurance, retirement products, investment products, and certain accident and health products. The company provides its products and services to individual and institutional customers through its proprietary and third-party distribution networks, financial professionals, and trusted partnerships. Prudential Financial, Inc. was founded in 1875 and is headquartered in Newark, New Jersey.

Market & Price

Market Cap

$34.95B

Current Price

$100.64

High / Low (52W)

$115.56 / $90.76

Beta

0.85

Valuation

Stock P/E

10.36

Industry PE

12.01

Forward P/E

6.88

PEG Ratio

1.05

Book Value

$92.06

Price to Book

1.09

P/S

0.55

EV/EBITDA

10.72

Dividend Yield

5.56%

Profitability & Returns

ROCE

ROE

10.71%

ROA

0.41%

Profit Margin

5.48%

Op Margin

4.72%

EPS (Latest Qtr)

$1.68

EPS (TTM)

$9.71

Balance Sheet & Liquidity

Debt/Equity

1.59

Quick Ratio

0.71

Current Ratio

0.81

Debt

$55.52B

Total Assets

$773.74B

Current Assets

Working Capital

Ownership

Promoter Holding

0.18%

Chg in Prom Hold

FII / Inst Holding

64.53%

Chg in FII Hold

-0.00%

Financial Snapshot

Enterprise Value

$54.71B

Total Revenue (TTM)

$63.29B

EBITDA

$5.10B

Free Cash Flow

$10.38B

Operating Cash Flow

$9.78B

Shares Outstanding

347.33M

Gross Margin

28.96%

Payout Ratio

56.13%

Growth (CAGR)

Revenue 5Y

2.28%

Profit 5Y

105.71%

Revenue (YoY)

15.30%

Earnings (YoY)

-14.30%

PROS

Profit CAGR of 105.7% over 5 years.
Attractive dividend yield of 5.56%.
Generates positive free cash flow.

CONS

In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	PRU Prudential Financial, Inc. SPX	100.64	10.36	$34.95B	5.56%	-	10.71%	2.28%	105.71%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	973.00M	1.00B	-	-	1.01B	1.04B	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	13.54B	13.80B	17.95B	15.68B	15.55B
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	920.00M	740.00M	1.78B	1.21B	733.00M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	207.00M	195.00M	382.00M	269.00M	129.00M
Net Income	1.34B	921.00M	1.83B	284.00M	1.37B	491.00M	2.24B	3.77B	1.36B	197.00M	1.67B	842.00M	932.00M	708.00M	1.42B	1.13B	-271.00M	-2.41B	1.49B	819.00M	2.83B	2.16B	1.53B	-493.00M	-1.01B	-92.00M	-52.00M	1.46B	511.00M	-802.00M	1.32B	1.14B	1.20B	-	-	707.00M	533.00M	1.43B	905.00M	597.00M
Diluted EPS	2.93	2.04	4.07	0.65	3.09	1.12	5.09	8.61	3.14	0.46	3.90	1.99	2.22	1.71	3.44	2.76	-0.70	-6.12	3.70	2.03	6.98	5.40	3.90	-1.33	-2.71	-0.26	-0.16	3.93	1.38	-2.23	3.61	3.12	3.28	-	-	1.96	1.48	4.01	2.55	1.68

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2007	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	34.38B	28.99B	32.38B	38.22B	49.09B	84.85B	41.46B	54.10B	57.12B	58.78B	59.69B	62.99B	64.81B	57.03B	71.25B	56.99B	54.27B	70.67B	60.97B
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-1.89B	3.07B	3.21B	4.66B
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-279.00M	613.00M	507.00M	1.05B
Net Income	3.66B	-1.12B	3.12B	3.00B	3.63B	520.00M	-667.00M	1.38B	5.64B	4.37B	7.86B	4.07B	4.19B	-374.00M	8.87B	-1.65B	2.49B	2.73B	3.58B
Diluted EPS	7.51	-2.53	7.63	-	-	-	-1.55	3.23	12.17	9.71	17.86	9.50	10.11	-1.00	22.40	-4.49	6.74	7.50	9.99

Compounded Sales Growth

5 Years:	2.28%
1 Year:	15.30%

Compounded Profit Growth

5 Years:	105.71%
1 Year:	-14.30%

Stock Price Performance

1 Year:	+2.13%
6 Months:	-4.57%
3 Months:	+3.69%
1 Month:	+5.80%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2006	Dec 2007	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	445.01B	480.20B	539.85B	620.24B	709.24B	731.78B	766.65B	757.25B	783.96B	832.14B	815.08B	896.55B	940.72B	-	689.03B	721.21B	735.59B	773.74B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	8.59B	11.06B	15.03B	13.16B	12.91B	14.25B	18.10B	11.44B	14.92B	17.61B	14.13B	14.49B	15.35B	16.33B	13.70B	-	17.25B	19.42B	18.50B	19.71B
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	18.99B	27.31B	37.68B	44.08B
Total Liabilities	-	-	431.23B	454.47B	506.93B	585.40B	670.12B	695.90B	724.31B	715.33B	737.87B	777.62B	766.05B	832.83B	872.51B	-	657.11B	691.34B	705.46B	738.16B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	20.29B	21.04B	23.65B	24.62B	24.73B	23.55B	19.83B	19.59B	18.04B	17.17B	17.38B	18.65B	19.72B	-	19.98B	20.00B	20.36B	21.26B
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	21.06B	20.87B	21.57B	22.96B
Total Equity	-	-	13.44B	25.20B	32.41B	34.25B	38.50B	35.28B	41.77B	41.89B	45.86B	54.24B	48.62B	63.12B	67.42B	-	30.59B	27.82B	27.87B	32.44B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	666.31M	666.31M	666.31M	666.31M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2007	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	5.99B	10.86B	5.84B	6.54B	12.38B	20.91B	8.45B	19.40B	13.94B	14.88B	13.46B	21.66B	19.62B	8.37B	-	5.16B	6.51B	8.50B	6.27B
Investing Cash Flow	-5.06B	-10.71B	2.43B	-8.52B	-13.29B	-15.42B	-16.33B	-17.09B	-7.75B	-21.69B	-11.96B	-21.63B	-17.03B	-16.21B	-	-7.64B	-12.12B	-28.59B	-25.89B
Financing Cash Flow	1.57B	3.72B	-10.42B	1.61B	2.10B	-1.30B	2.24B	1.63B	-3.57B	3.20B	-1.26B	781.00M	-1.63B	4.88B	-	4.93B	7.74B	19.39B	20.77B
Capital Expenditure	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5.16B	6.51B	8.50B	6.27B
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4.52B	2.13B	-689.00M	1.15B
Share Buybacks	3.00B	2.16B	0	0	999.00M	650.00M	738.00M	1.00B	1.01B	2.00B	1.25B	1.50B	2.50B	500.00M	2.50B	1.49B	1.01B	1.00B	1.00B

Ratios (Annual)

Figures in %.

Metric	Dec 2007	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	10.7%	-3.9%	9.6%	7.9%	7.4%	0.6%	-1.6%	2.6%	9.9%	7.4%	13.2%	6.5%	6.5%	-0.7%	12.4%	-2.9%	4.6%	3.9%	5.9%
ROE %	-	-8.3%	12.4%	9.3%	10.6%	1.4%	-1.9%	3.3%	13.5%	9.5%	14.5%	8.4%	6.6%	-0.6%	-	-5.4%	8.9%	9.8%	11.0%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

0.18%

Institutions

64.53%

Public Float

64.64%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	9.64%	33.47M	$3.37B
2	Vanguard Capital Management LLC	6.51%	22.58M	$2.27B
3	State Street Corporation	4.89%	16.96M	$1.71B
4	Vanguard Portfolio Management LLC	4.69%	16.29M	$1.64B
5	Geode Capital Management, LLC	3.18%	11.04M	$1.11B
6	Morgan Stanley	1.77%	6.15M	$619.39M
7	Goldman Sachs Group Inc	1.47%	5.10M	$513.29M
8	Invesco Ltd.	1.37%	4.77M	$479.72M
9	Northern Trust Corporation	1.20%	4.16M	$418.81M
10	Dimensional Fund Advisors LP	1.08%	3.76M	$378.26M

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