PRU
Prudential Financial
$121.36
▼ 0.1%Updated Aug 7, 11:30 AM ET
PRU at a glance — five pillars scored 0–100 from real filed financials.
Overall: Neutral · 50/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
▲ Up 2.3% over the last 12 months
Market Cap
$39.19B
P/E
12.22x
Forward P/E (est.)
8.73x
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
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 $39.19B.
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.
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 $121.36, above its 50-day average ($103.00) and 200-day average ($104.23). 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 67 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 $2.23 (~1.8% 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 $101.68 (support) and sellers near $113.00 (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 0.8× 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.
4Y CAGR
-3.9%
Revenue moved from $58.78B in 2016 to $60.77B in 2025, a 0.4% compound annual growth rate. The most recent year was roughly flat (3.9%) year over year. Slower, mature growth is common for established businesses.
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.
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.
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.
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
The payout is comfortably covered by cash the business actually generates, with a raise habit behind it.
Dividend yield
5.2%
Per share (latest FY)
$5.40
Total paid (latest FY)
$1.93B
History on record
10 years
dividend uses 31% of free cash flow
54% of net income paid out
total dividends increased 8 years in a row
no cuts in the last 10 years on record
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
P/E
12.22x
P/S
0.67x
P/B
1.35x
EV / EBITDA
—
PRU trades at 12.2x trailing earnings (about 8.7x on estimated forward earnings), 0.7x sales, and 1.4x book value. That is an undemanding multiple — potentially cheap if the business is stable.
Where PRU sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How PRU stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (289 S&P 500 companies), PRU ranks #114 of 289 by our overall rating. It trades at a discount versus the sector on earnings (12.2x P/E vs. 15.8x median) with a lower return on equity (10.9% vs. 13.6%) and slower revenue growth (3.9% vs. 15.9%).
P/E vs sector
12.2x
median 15.8x
ROE vs sector
10.9%
median 13.6%
Growth vs sector
3.9%
median 15.9%
Sector rank
#114
of 289 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 289 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $121.36 today · expected CAGR -5% – 6%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $63.20B | $65.73B | $68.36B | $71.10B | $73.94B |
| Net income | $3.79B | $3.94B | $4.10B | $4.27B | $4.44B |
| EPS | $11.74 | $12.21 | $12.70 | $13.21 | $13.74 |
| Share price (low) | $82.20 | $85.49 | $88.91 | $92.46 | $96.16 |
| Share price (high) | $140.91 | $146.55 | $152.41 | $158.51 | $164.85 |
| CAGR (low–high) | -32% / 16% | -16% / 10% | -10% / 8% | -7% / 7% | -5% / 6% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
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.
The case against PRU:
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
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 12.2x earnings, which our model scores Neutral (50/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 27 Wall Street analysts covering PRU recommend (August 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Analysts have turned more cautious over the last three months (-4 pts of buy ratings).
Latest SEC Filings
PRU's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
In the Idea Lab
PRU — frequently asked questions
Is PRU a good stock to buy?
We don't give buy or sell advice. Our model rates Prudential Financial Neutral (50/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is PRU's rating on The Stocks School?
Prudential Financial currently scores 50/100 (Neutral) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does PRU's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Prudential Financial's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for PRU calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this PRU analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell PRU. Always do your own research and consider a licensed professional.
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.