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PRU

S&P 500
Neutral · 50/100

Prudential Financial

Financials
Life & Health Insurance

$108.26

1.6%

Updated Today 7:15 PM ET

Price — Past Year

▲ Up 2.3% over the last 12 months

Price 50-day average 200-day averageSource: Yahoo Finance · refreshed daily
Key Metrics

Market Cap

$36.97B

P/E

10.72x

Forward P/E (est.)

7.66x

ROE

10.9%

Revenue Growth

3.9%

EPS Growth

53.9%

Profit Margin

6.0%

FCF Yield

1.7%

Debt / Equity

0.71x

ROIC

Interest Coverage

Current Ratio

Dividend Yield

5.2%

Implied Growth (rev. DCF)

Rating Score

50/100

Technical Analysis (Educational)
Research

Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what PRU's chart says today, with each tool explained.

Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. PRU trades near $108.26, above its 50-day average ($101.04) and 200-day average ($104.13). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.

Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 69 it is in neutral territory — neither stretched nor washed out.

MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.

Volatility — ATR. Average True Range is the typical daily move. PRU's is $2.13 (~2.0% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.

Support & resistance. Over the last month PRU found buyers near $99.63 (support) and sellers near $110.89 (resistance); its 52-week range is $91.89–$119.76. A decisive break beyond either edge often marks the next move.

Volume. The latest session traded 1.0× the 20-day average — about normal. Rising volume on up-days suggests real buying; on down-days, real selling.

Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.

Business Overview
Research

Prudential Financial (PRU) is a large-cap company in the Life & Health Insurance industry, part of the Financials sector of the S&P 500, with a market value around $36.97B.

In its latest reported year it generated about $60.77B in revenue and $3.58B in net profit.

Our model rates PRU Neutral (50/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.

Revenue Growth
Research

4Y CAGR

-3.9%

Revenue moved from $71.25B in 2021 to $60.77B in 2025, a -3.9% compound annual growth rate. The most recent year was roughly flat (3.9%) year over year. Slower, mature growth is common for established businesses.

Profitability
Research

Gross Margin

Operating Margin

6.7%

Net Margin

5.9%

ROE

10.9%

Prudential Financial keeps about 6.0% of each sales dollar as net profit. Return on equity is 10.9%. Margins are moderate — typical of a competitive but profitable business.

Debt Analysis
Research

Total Debt

$18.88B

Net Debt

$2.95B

Net Debt / EBITDA

Debt / Equity

0.71x

Leverage: debt-to-equity is 0.7x. That is a moderate, manageable debt load for most businesses. It carries roughly $18.88B of total debt against $15.94B of cash.

Cash Flow Analysis
Research

Operating CF

$6.27B

Free Cash Flow

$6.27B

FCF Margin

10.3%

In the latest year Prudential Financial produced about $6.27B of operating cash flow and $6.27B of free cash flow after capital spending. That is a free-cash-flow yield of about 1.7% on today's price. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.

Valuation Analysis
Research

P/E

10.72x

P/S

0.67x

P/B

1.19x

EV / EBITDA

PRU trades at 10.7x trailing earnings (about 7.7x on estimated forward earnings), 0.7x sales, and 1.2x book value. That is an undemanding multiple — potentially cheap if the business is stable.

Metrics vs. Typical Range

Where this stock sits versus what most companies trade at.

TTM P/E
10.7xCheap
Forward P/E
7.7xCheap
P/S ratio
0.7xCheap
Revenue growth
3.9%Weak
EPS growth
53.9%Strong
Gross margin
Net margin
6.0%Weak
ROE
10.9%Weak

Typical ranges are general references (e.g., many stocks trade at ~18–26x earnings), not hard rules. Context only — not investment advice.

Sector Peer Comparison

How PRU stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.

In the Financials sector (76 S&P 500 companies), PRU ranks #65 of 76 by our overall rating. It trades at a discount versus the sector on earnings (10.7x P/E vs. 15.2x median) with a lower return on equity (10.9% vs. 15.3%) and slower revenue growth (3.9% vs. 9.1%).

P/E vs sector

10.7x

median 15.2x

ROE vs sector

10.9%

median 15.3%

Growth vs sector

3.9%

median 9.1%

Sector rank

#65

of 76 by rating

CompanyP/ERev Gr.Rating
PRUThis stock10.7x3.9%Neutral· 50
MET15.2x5.3%Neutral· 42
PFG15.2x-1.8%Neutral· 56
AFL12.7x7.2%Strong· 74
GL11.1x4.0%Favorable· 65
PYPL7.4x5.8%Favorable· 66
HIG8.7x6.9%Favorable· 68
AIG12.5x-2.3%Neutral· 48
Financials median15.2x9.1%65/100

Valuation vs. quality map

sector medianMETPFGAFLGLPYPLHIGAIGPRUP/E — cheaper ←→ pricierROE — more profitable ↑

The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.

Compare side by side

Peers are the closest Financials companies by sub-industry and size. Sector median is across all 76 S&P 500 names in the sector. Educational, not a recommendation.

5-Year Projection Model

Project revenue → earnings → price. Edit the assumptions to build your own case.

2030 price target (Base Case)

$89.50$140.64

vs. $108.26 today · expected CAGR -4%5%

Metric20262027202820292030
Revenue$63.20B$65.73B$68.36B$71.10B$73.94B
Net income$3.79B$3.94B$4.10B$4.27B$4.44B
EPS$10.93$11.37$11.82$12.29$12.79
Share price (low)$76.50$79.56$82.74$86.05$89.50
Share price (high)$120.22$125.03$130.03$135.23$140.64
CAGR (low–high)-29% / 11%-14% / 7%-9% / 6%-6% / 6%-4% / 5%

Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.

Bull Case

The case for PRU:

  • Pays a 5.2% dividend on top of any price gains.
  • As an established S&P 500 member in Financials, it brings scale and a long operating history.
Bear Case

The case against PRU:

  • Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Key Risks
Research

Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.

Investment Thesis
Research

On balance, the picture is mixed: Prudential Financial is a large-cap financials business growing at a mature pace, with modest profitability, and a heavier debt load to watch. It trades at 10.7x earnings, which our model scores Neutral (50/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.

Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.

Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.