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Prudential Financial, Inc.

PRU Financial Insurance Life

Prudential Financial, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $60.8 billion, down 13.7% from fiscal 2024.

Revenue
+14.1%
EPS
+88.6%
Free cash flow
+101.9%
Total debt
+2.97%

Quarter to June 2026, against a year earlier

116.45 0.42 −0.36%
Market cap
$40.3B
P/E
10.5×
Fwd P/E
10.7×
Dividend yield
4.76%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Earnings & Analysis
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios
Segments Filings

Revenue by regions Fiscal 2025

  • UNITED STATES
  • Japan
  • Other Countries

Every year since 2008 →

Insider Decisions last twelve months

Bought, $m 0.17
Sold, $m 3.98
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — 3 — — — — — — — — —
Sell 2 — — — — 1 — — 1 — — —
Insider Ownership 0.59%

Capital & Financial Ratios $m

Size
Market Cap 40,320.00
Revenue ttm 64,765.00
Net income ttm 4,066.00
Free cash flow ttm 10,969.00
Net debt Q 5,456.00
Valuation
P/E 10.50
Forward P/E 10.70
Price / sales 0.62
Forward P/S Powerpack
Price / FCF 3.69
Price / book 1.27
Financial health
Current ratio Q 0.12
Debt / equity Q 0.65
Interest coverage Q —
Growth
Revenue growth Q +14.10% (above 0%: growing)
Operating income growth Q +59.19% (above 0%: growing)
EPS, this year −5.51% (below 0%: weak)
EPS, next year A +1.40%
Revenue, next year A −5.71% (below 0%: weak)
EPS, past 5 yrs —
EPS, next 5 yrs A +2.27%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 48.69%
10-year low 10-year high
P/S against its own 10 years 52.70%
10-year low 10-year high
P/B against its own 10 years 81.82%
10-year low 10-year high

Dividends raised every year since 2016

Yield
4.76%
Annual rate
5.55
Payout ratio
50.3%
Growth, 2016–25
+7.57%/yr
  1. 2.80 ’16
  2. 3.00 ’17 +7%
  3. 3.60 ’18 +20%
  4. 4.00 ’19 +11%
  5. 4.40 ’20 +10%
  6. 4.60 ’21 +5%
  7. 4.80 ’22 +4%
  8. 5.00 ’23 +4%
  9. 5.20 ’24 +4%
  10. 5.40 ’25 +4%
  11. 5.60 ’26e +4%
paid forecast Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 19,419 18,497 19,712 15,162
Receivables 27,311 37,680 44,077 44,218
Inventory — — — —
Other — — — —
46,730 56,177 63,789 59,380
2023 2024 2025 Q'26
Payables 289,010 285,996 285,758 280,808
ST’ Debt 618 953 1,443 955
Other 147,018 166,254 191,307 202,223
436,646 453,203 478,508 483,986

Compound Annual Growth %

10y 5y 3y
Sales 0.62% 1.28% 2.23%
Cash Flow (7.68%) (5.61%) 6.73%
Earnings (4.46%) 0.00% 0.00%
Book Value (2.43%) (13.63%) 1.29%

Earnings Trends EPS, adjusted, against the consensus

Q2 FY26 Estimate 3.47 Actual 4.08

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q3 FY25 3.66 4.26 Beat by 0.60
Q4 FY25 3.37 3.30 Miss by 0.07
Q1 FY26 3.24 3.61 Beat by 0.37
Q2 FY26 3.47 4.08 Beat by 0.61
Q3 FY26 3.31 — Reports 3 November 2026

EPS $

Mar Jun Sep Dec Year
’26 1.68 2.80 — — —
’25 1.96 1.48 4.01 2.55 9.99
’24 3.12 3.28 1.24 (0.17) 7.50
’23 3.93 1.38 (2.23) 3.61 6.74
’22 (1.35) (2.72) (0.29) (0.15) (4.49)
’21 6.98 5.40 3.90 6.30 22.40
’20 (0.70) (6.12) 3.70 2.03 (1.00)
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 15,526 15,661 — — —
’25 13,470 13,726 17,888 15,690 60,774
’24 23,509 14,883 19,490 12,523 70,405
’23 17,045 13,498 8,352 15,084 53,979
’22 11,855 11,392 20,201 13,433 56,881
’21 16,952 15,917 21,641 16,737 71,247
’20 13,464 12,115 15,425 16,029 57,033
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 1,008 2,346 — — —
’25 (2,506) 1,162 4,296 3,319 6,271
’24 5,221 (146) 1,105 2,322 8,502
’23 1,343 1,224 2,840 1,103 6,510
’22 1 1,501 4,278 (622) 5,158
’21 (3,297) 4,359 5,417 3,333 9,812
’20 14,766 (1,287) (598) (4,513) 8,368
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 1,008 2,346 — — —
’25 (2,506) 1,162 4,296 3,319 6,271
’24 5,221 (146) 1,105 2,322 8,502
’23 1,343 1,224 2,840 1,103 6,510
’22 1 1,501 4,278 (622) 5,158
’21 (3,297) 4,359 5,417 3,333 9,812
’20 14,766 (1,287) (598) (4,513) 8,368
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3.4
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 58,779 59,689 62,992 64,807 57,033 71,247 56,881 53,979 70,405 60,774 64,765 +0.4% 57,304 58,325 59,809 (0.5%)
Gross margin, % 32.94 33.48 30.25 32.15 27.72 37.83 24.04 33.34 25.57 31.93 32.44 (1.0) pt
EBT 5,705 6,487 4,834 5,085 (323) 10,835 (1,892) 3,072 3,209 4,656 4,907 (2.2%)
EBT margin, % 9.71 10.87 7.67 7.85 (0.57) 15.21 (3.33) 5.69 4.56 7.66 7.58 (2.1) pt
Net income 4,419 7,974 4,088 4,238 (146) 8,938 (1,675) 2,508 2,846 3,732 4,066 (1.9%)
Per share, $
Per share, $ Revenue 134.14 139.79 150.84 160.10 144.10 184.01 152.78 148.50 196.94 172.75 186.97 +2.9%
Earnings 9.71 18.41 9.76 10.34 (1.00) 22.56 (4.49) 6.76 7.50 10.05 11.11 +0.4%
Cash flow 33.95 31.52 51.88 48.48 21.14 25.34 13.85 17.91 23.78 17.83 31.67 (6.9%)
Capex 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 n/m
Free cash flow 33.95 31.52 51.88 48.48 21.14 25.34 13.85 17.91 23.78 17.83 31.67 (6.9%)
Book value 105.18 127.66 117.41 157.41 172.33 161.69 84.74 77.33 78.84 93.20 92.19 (1.3%)
Shares, m 438 427 418 405 396 387 372 364 358 352 349 (2.4%)
Valuation, ×
Valuation, × P/E 10.72 6.25 8.36 9.06 0.00 4.76 0.00 15.61 15.87 11.22 10.50 8.2
P/S 0.78 0.83 0.54 0.59 0.54 0.59 0.65 0.70 0.60 0.65 0.62 0.6
P/B 1.00 0.90 0.69 0.60 0.45 0.67 1.17 1.35 1.50 1.21 1.27 1.0
EV/Sales 0.87 0.89 0.61 0.65 0.66 0.68 0.71 0.71 0.63 0.66 — 0.7
EV/FCF 3.43 3.96 1.78 2.15 4.52 4.93 7.85 5.85 5.18 6.43 — 4.6
Cash, $m
Cash, $m Operating cash flow 14,876 13,460 21,664 19,625 8,368 9,812 5,158 6,510 8,502 6,271 10,969 (9.2%)
Capex — — — — — — — — — — — —
Free cash flow 14,876 13,460 21,664 19,625 8,368 9,812 5,158 6,510 8,502 6,271 10,969 (9.2%)
Balance, $m
Balance, $m Working capital (373,119) (392,396) (411,282) (431,243) (455,249) (401,251) (367,661) (389,916) (397,026) (414,719) (424,606) +1.2%
Net debt 5,047 4,062 4,476 4,252 6,942 6,456 3,432 81 1,643 587 5,456 (21.3%)
Shareholders’ equity 46,088 54,511 49,031 63,719 68,210 62,608 31,548 28,110 28,187 32,787 31,935 (3.7%)
Returns, %
Returns, % ROA 0.57 0.97 0.49 0.49 (0.04) 0.94 (0.20) 0.35 0.37 0.47 0.51 (0.1) pt
ROIC 6.97 6.92 5.65 4.68 (0.27) 9.81 (3.38) 6.81 6.72 8.72 8.20 +1.8 pt
ROE 9.93 15.63 7.87 7.43 (0.57) 13.56 (3.50) 8.34 9.69 11.73 12.47 +1.8 pt
People
People Employees 49,739 49,705 50,492 51,511 41,671 40,916 39,854 40,658 38,196 36,824 — (3.3%)
Revenue/emp, $m 1.18 1.20 1.25 1.26 1.37 1.74 1.43 1.33 1.84 1.65 — +3.8%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 25 Oct 2026

Where the money comes from and where it goes Fiscal 2025

Fiscal 2025: revenue by regions, and margins
UNITED STATES 36,801 60.55%
Japan 13,487 22.19%
Other Countries 10,486 17.25%
Gross margin 31.93%
Operating margin 7.66%
Pre-tax margin 7.66%

Revenue by segment since 2008

Prudential Financial, Inc. vs peers in Insurance Life (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
MET MetLife, Inc. $64.1B 19.2× 12.7× +10.46% (above 0%: growing) +5.83% (above 0%: growing) +1.87% (above 0%: growing) 25.57% 5.40% Compare
AFL Aflac Incorporated $61.9B 13.2× 17.4× −1.03% (below 0%: shrinking) +46.43% (above 0%: growing) −71.93% (below 0%: shrinking) 49.21% 25.72% Compare
PRU Prudential Financial, Inc. $40.3B 10.5× 10.7× +14.10% (above 0%: growing) +88.59% (above 0%: growing) +101.89% (above 0%: growing) 34.85% 7.52%
PUK Prudential Public Limited Company $29.8B 17.1× — −52.23% (below 0%: shrinking) +122.99% (above 0%: growing) −99.72% (below 0%: shrinking) 0.00% 0.00% Compare
UNM Unum Group $14.5B 21.3× 12.9× +0.26% (above 0%: growing) −16.58% (below 0%: shrinking) +48.17% (above 0%: growing) 35.37% 11.36% Compare
GL Globe Life Inc. $12.3B 10.4× 10.5× +8.00% (above 0%: growing) +20.06% (above 0%: growing) +0.88% (above 0%: growing) 39.24% 24.44% Compare
JXN Jackson Financial Inc. $9.2B 182× 11.7× +135.67% (above 0%: growing) +292.31% (above 0%: growing) +57.63% (above 0%: growing) (630.95%) 411.90% Compare
PRI Primerica, Inc. $8.7B 11.3× 11.1× +9.04% (above 0%: growing) +19.41% (above 0%: growing) +5.06% (above 0%: growing) 82.88% 30.52% Compare
LNC Lincoln National Corporation $7.9B 3.5× 4.5× +12.31% (above 0%: growing) +76.55% (above 0%: growing) −155.08% (below 0%: shrinking) 37.98% 37.98% Compare
Median of peers $13.4B 15.2× 11.7× +8.52% +33.25% +1.38% 36.68% 25.08%

All 17 Insurance Life stocks →

Largest institutional holders 13F, quarter to 30 June 2026

Held by institutions 63.26%
Held by the ten largest 38.44%
Holder Shares Stake Change
Vanguard 42.69m 12.37% +152.74k
BlackRock 32.50m 9.42% −968.63k
State Street 17.16m 4.98% +209.18k
Geode Capital Management 11.26m 3.26% +220.04k
Morgan Stanley 5.88m 1.70% −272.67k
Invesco 5.12m 1.48% +354.38k
UBS 4.97m 1.44% −162.46k
Goldman Sachs 4.88m 1.41% −223.42k
Northern Trust 4.14m 1.20% −22.61k
Arrowstreet Capital 4.03m 1.17% +1.47m
13F filings for the quarter to 30 June 2026: long positions in US-listed shares reported by managers with $100m or more, ~45 days after the quarter.

Prudential Financial, Inc. (PRU) Latest News

29 Oct

Impact 4 · · Simply Wall St.
Impact 4 · · Simply Wall St.
Impact 3 · · Simply Wall St.
Impact 3 · · Zacks

28 Oct

Impact 4 · · StockStory
Impact 4 · · Benzinga
Impact 3 · · Zacks

27 Oct

Impact 3 · · StockStory

23 Oct

Impact 3 · · Barchart

21 Oct

Impact 4 · · Business Wire

20 Oct

Impact 4 · · Business Wire

19 Oct

Impact 3 · · StockStory

15 Oct

Impact 4 · · Investing.com

14 Oct

Impact 3 · · Business Wire

13 Oct

Impact 3 · · Zacks

12 Oct

Impact 4 · · Zacks

9 Oct

Impact 4 · · MarketBeat
Impact 4 · · Business Wire

8 Oct

Impact 4 · · Simply Wall St.
Impact 4 · · Simply Wall St.
Impact 4 · · Simply Wall St.

7 Oct

Impact 4 · · Zacks

6 Oct

Impact 3 · · Zacks

5 Oct

Impact 4 · · Business Wire
Impact 3 · · StockStory
Impact 3 · · Zacks

2 Oct

Impact 3 · · Business Wire

1 Oct

Impact 4 · · Business Wire
Impact 3 ·
Impact 3 ·

PRU metrics, ten years each

stockrow.com/PRU · Data as of Oct 25, 2026 · For information only; not investment advice. · © 2026 stockrow.com