PRU
NYSE · USDPrudential Financial, Inc.
Financial Services · Insurance - Life
CEO Andrew Sullivan
Employees 36,824
R&D / revenue 0.0%
Last price
$115.91−0.38%last session
Market cap
$40.0B
P/E (TTM)
10.4x
From 52w high
−9.2%
From 52w low
+26.1%
1-year return
+17.6%
RSI 14 · vs SMA200
50.9 · +7.0%
IS score
57.0/ 100
Factor model across 8 sub-scores, ranked against 3,010 US stocks. Describes the business, not the outlook.
Download full factsheet (PDF)
One year, rebased to 100
PRU SPY XLF (sector ETF) · weekly closesScore DNA
Each bar is a 0-100 score within the scored universe29Profitability
64Growth
86Value
90Momentum
80Risk (safety)
72Quality
66Balance sheet
73Earnings quality
Flags
Strengths
✓ Piotroski 8+✓ Net cash
Warnings
None of the computed warning flags fires for PRU (Altman, Beneish, accruals, FCF, dilution).
Observations
Moat model: None, Efficient ScalePiotroski 8 / 9Beta 0.822 of 4 smart-money sources active
Smart-money strip
Each disclosure source on its own window. Filings coinciding is not coordination.INSForm 4 · 180 days
Insider open-market buys
0
2 open-market sales, $2.4M
No Form 144 notices in 12 months
CONGSTOCK Act · 180 days
Congressional purchases
0
No disclosed purchases
Members disclose in ranges, 30-45 days after the trade
13F13F · quarter to 2026-06-30
Net change in institutional holders
+53
156 new holders, 88 closed
1,420 filers hold 68.2% · 543 added, 474 trimmed
ETFETF holdings · 30 days
Net funds accumulating
+127
1,108 funds adding shares
981 funds trimming · counts of funds, not dollars
DARKFINRA · daily
Short-sale share of off-exchange volume
70.5%
20-day avg 71.7%, 50-day avg 71.2%
Latest 1.2 pp under its 20-day average · a flow, not short interest
Key financials · FY2025
USD, fiscal year. Stock-based compensation is non-cash; shown against FCF.Income statement
Revenue$60.8B
Revenue growth YoY−14.0%
Gross margin42.0%
Operating income$4.8B
Operating margin7.9%
Net income$3.6B
Net margin5.9%
EPS (diluted)$10.22
Cash flow
Operating cash flow$6.3B
Capital expenditure$0
Free cash flow$6.3B
FCF conversion (FCF / OCF)100.0%
Stock-based compensation$0
FCF less SBC$6.3B
Buybacks$1.0B
Dividends$1.9B
Balance sheet & returns
Cash & short-term investments$26.1B
Total debt$33.0B
Net debt$6.8B
Shareholders' equity$35.6B
Goodwill & intangibles$23.4B
Debt / equity0.65
ROE (TTM)12.0%
ROIC (TTM)0.7%
Operating margin by fiscal year
Revenue $71.1B (FY2021) to $60.8B (FY2025), a -3.9% CAGR.
Valuation
P/E (TTM)10.4x
EV / EBITDA8.6x
Price / sales0.62x
Price / FCF3.6x
FCF yield27.43%
Buyback yield2.50%
SBC / revenue0.0%
Price / book1.19x
Forward P/E FY20268.0x
Forward P/E FY20277.9x
Forward P/E FY20287.1x
Forward multiples divide today's price by Street EPS estimates. Street mean target $109.40 across 5 analysts last quarter is theirs, not ours.
PRU vs industry median
60 companies in Insurance - Life
PRU (TTM)Industry median
Asset turnover 0.08 vs industry 0.12 · financial leverage 24.81
Earnings delivery
Next report 2026-11-03 · consensus EPS $3.4258%
beat rate, 7 of 12 quarters
+1.9%
median EPS surprise
3
longest beat streak
EPS surprise in % vs the consensus at the time, oldest (left) to newest, 2023-11-01 to 2026-08-04. Bars cap at ±60%.
Peers
Market-cap band, not the industry cohort above| Company | Mkt cap | P/E | ROE | Net margin | Rev growth | 12m return |
|---|---|---|---|---|---|---|
| PRU Prudential Financial, Inc. | $40.0B | 10.4x | 12.0% | 5.9% | −14.0% | +17.6% |
| PUK Prudential plc | $29.6B | 8.5x | 39.3% | 6.4% | +175.6% | −10.0% |
| AFL Aflac Incorporated | $60.2B | 12.9x | 16.9% | 20.2% | +11.6% | +14.8% |
| MET MetLife, Inc. | $64.0B | 19.2x | 13.2% | 3.9% | +9.0% | +30.4% |
| UNM Unum Group | $14.6B | 21.5x | 6.4% | 7.8% | +3.3% | +25.9% |
| GL Globe Life Inc. | $13.0B | 11.1x | 20.9% | 18.0% | +5.3% | — |
| JXN Jackson Financial Inc. | $8.8B | 163.2x | 1.0% | — | +18.6% | — |
| PRI Primerica, Inc. | $8.7B | 11.3x | 33.0% | 23.4% | +7.6% | — |
12-month window: SPY +15.9%, sector ETF XLF +7.2%. Past returns describe history only.
Recent 8-K filings
No 8-K filings on file.
Context
Shares outstanding345,000,000
Free float99.7%
Institutional ownership68.2%
Beta0.82
Dividend yield4.79%
Last dividend$1.40 on 2026-08-25
50 / 200-day average$118.56 / $108.65
Large-cap Financial Services median P/E14.0x
Full factsheet
The PDF carries everything on this page plus the cash-allocation waterfall, Form 144 notices, 13F holder detail, dark-pool and short-flow history, seasonality and the moat assessment (None).
Read it in the browser Download (PDF)All fundamentals · 140 measures in 13 categories
Percentile = where PRU sits among 25 scored companies in Insurance - Life (0 = lowest value, 100 = highest). It is a position, not a grade. Balance-sheet ratios built for operating companies are n/a for lenders and insurers.ValuationProfitability (TTM)Returns on capitalGrowthMargin history & stabilityLiquidity (latest quarter)Leverage & solvency (latest quarter)EfficiencyCash flow & earnings qualityDividends & buybacksScores & forensic checksPer shareSize (TTM)
Valuation
| Measure | PRU | Industry percentile |
|---|---|---|
| P/E (TTM) | 10.4x | 57th |
| PEG (P/E ÷ 3-yr EPS CAGR) | 0.21 | 20th |
| Price / sales | 0.6x | 50th |
| Price / book | 1.3x | 54th |
| Price / tangible book | 1.1x | 56th |
| Price / free cash flow | n/a | |
| Price / operating cash flow | n/a | |
| Enterprise value | n/a | |
| EV / sales | n/a | |
| EV / EBITDA | n/a | |
| EV / EBIT | n/a | |
| EV / free cash flow | n/a | |
| Earnings yield | 9.6% | 46th |
| FCF yield | n/a | |
| Operating cash flow yield | n/a | |
| Graham number (per share) | $160.93 | 57th |
Profitability (TTM)
| Measure | PRU | Industry percentile |
|---|---|---|
| Gross margin | n/a | |
| EBITDA margin | n/a | |
| Operating margin | 7.7% | 22nd |
| EBIT margin | 7.7% | 17th |
| Net margin | 5.9% | 25th |
| NOPAT margin | 6.1% | 21st |
| FCF margin | n/a | |
| Operating cash flow margin | n/a | |
| R&D / revenue | 0.0% | 0th |
| SG&A / revenue | 30.9% | 88th |
| Stock comp / revenue | 0.0% | 0th |
| Effective tax rate | 20.0% | 54th |
Returns on capital
| Measure | PRU | Industry percentile |
|---|---|---|
| ROE (on average equity) | 12.4% | 38th |
| ROA | 0.5% | 54th |
| ROIC | n/a | |
| ROCE | n/a | |
| Return on tangible assets | 0.6% | 42nd |
| Cash ROIC (OCF / invested capital) | n/a | |
| Gross profitability (GP / assets) | n/a | |
| ROIC, 3-yr average | n/a | |
| ROIC, 5-yr average | n/a | |
| ROE, 5-yr average | 7.3% | 6th |
| Incremental ROIC | n/a |
Growth
| Measure | PRU | Industry percentile |
|---|---|---|
| Revenue growth (TTM YoY) | 8.9% | 61st |
| Revenue growth (QoQ) | 0.7% | 29th |
| Revenue CAGR, 3 yr | 0.4% | 55th |
| Revenue CAGR, 5 yr | 0.2% | 31st |
| Gross profit CAGR, 3 yr | n/a | |
| Operating income CAGR, 3 yr | 45.1% | 100th |
| Net income growth (TTM YoY) | 135.6% | 82nd |
| Net income CAGR, 3 yr | 42.7% | 89th |
| EPS growth (TTM YoY) | 157.5% | 82nd |
| EPS CAGR, 3 yr | 48.6% | 89th |
| EPS CAGR, 5 yr | -8.6% | 9th |
| FCF growth (TTM YoY) | n/a | |
| FCF CAGR, 3 yr | n/a | |
| Operating cash flow CAGR, 3 yr | n/a | |
| Book value CAGR, 3 yr | 7.9% | 15th |
| Dividend CAGR, 3 yr | 4.9% | 25th |
| Sustainable growth rate | 6.1% | 26th |
Margin history & stability
| Measure | PRU | Industry percentile |
|---|---|---|
| Gross margin, 3-yr average | n/a | |
| Operating margin, 3-yr average | 5.5% | 26th |
| Net margin, 3-yr average | 4.4% | 30th |
| FCF margin, 3-yr average | n/a | |
| Revenue stability (0-1) | 0.08 | 22nd |
| Earnings stability (0-1) | 0.11 | 22nd |
| Margin stability (0-1) | 0.83 | 91st |
Liquidity (latest quarter)
| Measure | PRU | Industry percentile |
|---|---|---|
| Cash & short-term investments | n/a | |
| Net cash (− = net debt) | n/a | |
| Working capital | n/a | |
| Current ratio | n/a | |
| Quick ratio | n/a | |
| Cash ratio (cash + ST investments / current liabilities) | n/a | |
| Defensive interval (days) | n/a |
Leverage & solvency (latest quarter)
| Measure | PRU | Industry percentile |
|---|---|---|
| Total debt | n/a | |
| Debt / equity | n/a | |
| Net debt / equity | n/a | |
| Debt / assets | n/a | |
| Debt / capital | n/a | |
| Debt / EBITDA | n/a | |
| Net debt / EBITDA | n/a | |
| Interest coverage (EBIT / interest) | n/a | |
| Cash interest coverage | n/a | |
| Debt payback (years of OCF) | n/a | |
| Liabilities / assets | 95.9% | 46th |
| IS credit model rating | A- | |
| Implied credit spread (bps) | 175 | 29th |
Efficiency
| Measure | PRU | Industry percentile |
|---|---|---|
| Asset turnover | n/a | |
| Fixed asset turnover | n/a | |
| Inventory turnover | n/a | |
| Receivables turnover | n/a | |
| Days sales outstanding | n/a | |
| Days inventory outstanding | n/a | |
| Days payables outstanding | n/a | |
| Cash conversion cycle (days) | n/a | |
| Capex / revenue | n/a | |
| Capex / depreciation | n/a | |
| Operating expense ratio | n/a |
Cash flow & earnings quality
| Measure | PRU | Industry percentile |
|---|---|---|
| Operating cash flow / net income | n/a | |
| FCF / net income | n/a | |
| FCF / operating cash flow | n/a | |
| Capex / operating cash flow | n/a | |
| Accruals ratio | n/a | |
| Sloan accruals ratio | n/a | |
| Earnings quality score (0-1) | n/a |
Scores & forensic checks
| Measure | PRU | Industry percentile |
|---|---|---|
| IS score | 57 | 75th |
| IS profitability | 29 | 17th |
| IS growth | 64 | 74th |
| IS value | 86 | 42nd |
| IS momentum | 90 | 83rd |
| IS risk (safety) | 80 | 62nd |
| IS quality | 72 | 88th |
| IS balance sheet | 66 | 88th |
| IS earnings quality | 73 | 67th |
| IS cash flow | 79 | 75th |
| Piotroski F-score (0-9) | 8 | 96th |
| Altman Z-score | — | |
| Beneish M-score | — | |
| Ohlson O-score | −7.23 | 8th |
| IS credit score | 65 | 67th |
Size (TTM)
| Measure | PRU | Industry percentile |
|---|---|---|
| Market cap | $40.0B | 92nd |
| Revenue | $64.8B | 96th |
| EBITDA | $5.0B | 79th |
| Net income | $3.8B | 83rd |
| Free cash flow | n/a | |
| Total assets | $783.6B | 92nd |
| Shareholders' equity | $31.6B | 92nd |
| Employees | 36,607 | 88th |
Insider transactions, last 6 months
Form 4 · most recent 12| Date | Insider | Type | Shares | Price | Value | Owned after |
|---|---|---|---|---|---|---|
| 2026-09-10 | Wolk Joseph J Director |
Award / grant | 21 | — | — | 1,826 |
| 2026-09-10 | Wolk Joseph J Director |
Award / grant | 21 | — | — | 1,798 |
| 2026-09-10 | Todman Michael Director |
Award / grant | 155 | — | — | 13,334 |
| 2026-09-10 | Todman Michael Director |
Award / grant | 151 | — | — | 12,943 |
| 2026-09-10 | Todman Michael Director |
Award / grant | 21 | — | — | 1,798 |
| 2026-09-10 | Stoddard Thomas D Director |
Award / grant | 20 | — | — | 1,783 |
| 2026-09-10 | Stoddard Thomas D Director |
Award / grant | 21 | — | — | 1,798 |
| 2026-09-10 | Poon Christine A Director |
Award / grant | 161 | — | — | 13,840 |
| 2026-09-10 | Poon Christine A Director |
Award / grant | 49 | — | — | 4,248 |
| 2026-09-10 | Poon Christine A Director |
Award / grant | 21 | — | — | 1,798 |
| 2026-09-10 | Pianalto Sandra Director |
Award / grant | 214 | — | — | 18,394 |
| 2026-09-10 | Pianalto Sandra Director |
Award / grant | 84 | — | — | 7,227 |
Shares acquired vs disposed, by month
acquired disposed · all Form 4 typesBy transaction type, 6 months
| Type | Direction | Filings | Shares | Value |
|---|---|---|---|---|
| Award / grant | Acquired | 60 | 22,596 | — |
| Open-market sale | Disposed | 2 | 21,232 | $2.4M |
| Option exercise | Disposed | 5 | 14,216 | — |
| Option exercise | Acquired | 5 | 14,216 | — |
| Return to issuer | Disposed | 2 | 3,530 | $362,107 |
| Tax withholding | Disposed | 3 | 5,830 | $574,223 |
| — | Disposed | 1 | 0 | — |
Awards, option exercises and tax withholding are compensation mechanics; open-market buys and sales are the discretionary ones.
Form 144 notices
| Filed | Filer | Shares proposed | Est. proceeds |
|---|---|---|---|
| None on file. | |||
A Form 144 is notice of a proposed sale, not a confirmed one.
Congress trades
12 months: House 7 trades (3 purchases) · Senate 1 (0 purchases)| Traded | Member | Chamber | Type | Amount | Disclosed |
|---|---|---|---|---|---|
| 2026-04-23 | Lloyd Smucker | House | Sale | $1,001 - $15,000 | 2026-05-01 |
| 2026-04-23 | Lloyd K. Smucker | House | Sale | $1,001 - $15,000 | 2026-05-01 |
| 2026-03-27 | Alan Armstrong | Senate | Sale | $1,001 - $15,000 | 2026-07-21 |
| 2026-02-10 | Gilbert Cisneros | House | Sale | $1,001 - $15,000 | 2026-03-10 |
| 2026-01-29 | Ro Khanna | House | Sale | $15,001 - $50,000 | 2026-02-10 |
| 2023-09-07 | Tommy Tuberville | Senate | Sale (Partial) | $15,001 - $50,000 | 2023-10-13 |
| 2023-09-07 | Tommy Tuberville | Senate | Sale (Partial) | $15,001 - $50,000 | 2023-10-12 |
| 2023-09-07 | Thomas Hawley Tuberville | Senate | Sale (Partial) | $15,001 - $50,000 | 2023-10-12 |
STOCK Act disclosures, in ranges, filed up to 45 days after the trade.
Largest 13F holders
Quarter to 2026-06-30, the latest most managers have filed| Manager | Shares | Value | % of shares out |
|---|---|---|---|
| BlackRock, Inc. | 32,497,736 | $3.5B | 9.42% |
| VANGUARD CAPITAL MANAGEMENT LLC | 22,636,013 | $2.4B | 6.56% |
| STATE STREET CORP | 17,164,760 | $1.9B | 4.98% |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 16,320,636 | $1.8B | 4.73% |
| GEODE CAPITAL MANAGEMENT, LLC | 11,259,368 | $1.2B | 3.26% |
| Invesco Ltd. | 5,121,051 | $552.7M | 1.48% |
| GOLDMAN SACHS GROUP INC | 4,876,829 | $526.4M | 1.41% |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | 4,030,890 | $435.1M | 1.17% |
| DIMENSIONAL FUND ADVISORS LP | 3,909,820 | $422.0M | 1.13% |
| NORTHERN TRUST CORP | 3,038,688 | $328.0M | 0.88% |
| NIPPON LIFE INSURANCE CO | 2,560,000 | $276.3M | 0.74% |
| Legal & General Group Plc | 2,343,813 | $253.0M | 0.68% |
| NORDEA INVESTMENT MANAGEMENT AB | 2,226,087 | $242.1M | 0.65% |
| VANGUARD FIDUCIARY TRUST CO | 1,948,454 | $210.3M | 0.56% |
| BANK OF AMERICA CORP /DE/ | 1,936,042 | $209.0M | 0.56% |
Institutional ownership by quarter
% of shares held by 13F filers
Number of 13F filers holding
Holder changes by quarter
| Quarter | Holders | Ownership | New | Increased | Reduced | Closed |
|---|---|---|---|---|---|---|
| 2026-06-30 | 1,420 | 68.2% | 156 | 543 | 474 | 88 |
| 2026-03-31 | 1,367 | 66.8% | 136 | 526 | 488 | 152 |
| 2025-12-31 | 1,414 | 66.0% | 215 | 519 | 465 | 85 |
| 2025-09-30 | 1,315 | 65.1% | 105 | 479 | 493 | 83 |
| 2025-06-30 | 1,320 | 65.2% | 117 | 520 | 463 | 113 |
| 2025-03-31 | 1,338 | 66.0% | 113 | 504 | 503 | 124 |
| 2024-12-31 | 1,376 | 66.3% | 184 | 505 | 461 | 83 |
| 2024-09-30 | 1,303 | 64.2% | 100 | 503 | 479 | 91 |
| 2024-06-30 | 1,305 | 64.0% | 125 | 481 | 476 | 77 |
| 2024-03-31 | 1,272 | 63.5% | 128 | 463 | 454 | 74 |
| 2023-12-31 | 1,236 | 63.1% | 155 | 390 | 488 | 60 |
| 2023-09-30 | 1,162 | 62.0% | 114 | 421 | 417 | 86 |
Schedule 13D / 13G filers
| Filed | Form | Filer | % of class | Shares |
|---|---|---|---|---|
| None on file. | ||||
Required above 5% of a class; 13G is the passive form.
ETFs with the largest holding
| ETF | Weight in fund | Holding value |
|---|---|---|
| VITSX | 0.05% | $1.2B |
| VTSAX | 0.05% | $1.2B |
| VSMPX | 0.05% | $1.2B |
| VTI | 0.05% | $1.2B |
| VFINX | 0.06% | $1.0B |
| VFIAX | 0.06% | $1.0B |
Share structure
Shares outstanding345,000,000
Float343,899,450
Free float99.7%
Income statement
Fiscal years, USD| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|
| Revenue | $71.1B | $57.0B | $54.3B | $70.7B | $60.8B |
| Cost of revenue | $42.9B | $45.1B | $36.7B | $53.2B | $35.2B |
| Gross profit | $28.3B | $11.9B | $17.6B | $17.5B | $25.6B |
| R&D | $0 | $0 | $0 | $0 | $0 |
| SG&A | $13.6B | $12.6B | $13.0B | $13.3B | $13.0B |
| Operating income | $10.8B | −$1.9B | $3.1B | $3.2B | $4.8B |
| EBITDA | $11.0B | −$1.8B | $3.0B | $3.6B | $4.9B |
| Pretax income | $10.9B | −$2.0B | $3.1B | $3.4B | $4.8B |
| Income tax | $2.0B | −$279.0M | $613.0M | $507.0M | $1.1B |
| Net income | $8.9B | −$1.6B | $2.5B | $2.7B | $3.6B |
| EPS, diluted | $19.51 | $-4.49 | $6.74 | $7.50 | $10.22 |
| Diluted shares | 390.1M | 372.3M | 364.6M | 359.3M | 349.9M |
Balance sheet
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|
| Cash & short-term investments | $392.0B | $329.6B | $340.7B | $66.4B | $26.1B |
| Receivables | $0 | $19.0B | $28.2B | $38.5B | $48.0B |
| Inventory | $0 | $0 | $0 | $0 | $0 |
| Total current assets | $0 | $0 | $0 | $0 | $26.1B |
| PP&E, net | $0 | $0 | $0 | $0 | $0 |
| Goodwill & intangibles | $3.2B | $2.0B | $2.1B | $1.9B | $23.4B |
| Total assets | $937.6B | $689.0B | $721.2B | $735.6B | $773.7B |
| Accounts payable | $0 | $5.7B | $15.7B | $17.1B | $18.8B |
| Total current liabilities | $0 | $0 | $0 | $0 | $0 |
| Long-term debt | $18.6B | $20.0B | $20.0B | $20.4B | $21.8B |
| Total liabilities | $875.0B | $657.1B | $691.3B | $705.5B | $738.2B |
| Shareholders' equity | $62.6B | $31.9B | $29.9B | $30.1B | $35.6B |
Cash flow statement
Outflows are negative| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|
| Net income | $7.8B | −$1.5B | $2.5B | $2.8B | $3.6B |
| Depreciation & amortization | $204.0M | $124.0M | −$70.0M | $383.0M | $128.0M |
| Stock-based compensation | $284.0M | $220.0M | $0 | $0 | $0 |
| Change in working capital | $3.3B | $1.3B | −$958.0M | −$412.0M | −$4.6B |
| Operating cash flow | $9.8B | $5.2B | $6.5B | $8.5B | $6.3B |
| Capital expenditure | $736.0M | $0 | $0 | $0 | $0 |
| Free cash flow | $10.5B | $5.2B | $6.5B | $8.5B | $6.3B |
| Investing cash flow | −$5.3B | −$7.6B | −$12.1B | −$28.6B | −$25.9B |
| Net debt issued / repaid | −$1.1B | $1.4B | −$388.0M | $845.0M | $3.1B |
| Buybacks | −$2.5B | −$1.5B | −$1.0B | −$1.0B | −$1.0B |
| Dividends paid | −$1.8B | −$1.8B | −$1.8B | −$1.9B | −$1.9B |
Ratio history
Margins on the fiscal-year (TTM at Q4) basis; multiples at each year end| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|
| Gross margin | 37.8% | 19.6% | 32.4% | 24.8% | 31.1% |
| Operating margin | 13.3% | -4.5% | 5.7% | 4.5% | 7.6% |
| Net margin | 10.9% | -3.8% | 4.6% | 3.9% | 5.9% |
| FCF margin | 13.9% | 8.3% | 12.0% | 12.0% | 10.3% |
| ROE | 11.9% | -4.7% | 8.5% | 9.8% | 11.9% |
| ROIC | -2.5% | 0.7% | -0.8% | -16.1% | 9.2% |
| ROA | 0.8% | -0.3% | 0.4% | 0.4% | 0.5% |
| Debt / equity | 0.32 | 0.69 | 0.75 | 0.77 | 1.03 |
| Interest coverage | — | — | 7.0x | — | 8.7x |
| Current ratio | — | — | — | — | — |
| Revenue growth | +24.1% | −19.7% | −4.6% | +30.2% | −13.7% |
| EPS growth | +2,259.6% | −128.9% | +217.7% | +10.7% | +33.9% |
| P/E at year end | 4.4x | n/m | 13.7x | 14.8x | 11.0x |
| EV / EBITDA at year end | n/m | 113.3x | n/m | n/m | 9.8x |
| FCF yield at year end | 28.90% | 15.03% | 19.12% | 21.12% | 15.88% |
| Dividend payout | 23.5% | — | 74.2% | 69.3% | 53.9% |
Revenue by segment
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|
| Retirement | $15.3B | $24.8B | $7.7B | $33.3B | $16.7B |
| International Insurance | $21.9B | $20.1B | — | — | — |
| International Businesses | — | — | — | $17.9B | — |
| Individual Life | $6.9B | $7.1B | $3.2B | $6.2B | $6.1B |
| Life Planner | — | — | $7.0B | — | — |
| Group Insurance | $6.2B | $6.1B | $5.7B | $6.4B | $6.8B |
| Gibraltar Life and Other | — | — | $6.2B | — | — |
| Individual Annuities | $4.9B | — | — | — | — |
Revenue by region · FY2024
UNITED STATES$48.6B · 69%
JAPAN$13.8B · 20%
Non-US$8.1B · 11%
Street estimates by fiscal year
Next report 2026-11-03 · consensus EPS $3.42 · these are analysts' numbers, not ours| Fiscal year | Revenue (mean) | Revenue range | EPS (mean) | EPS range | Analysts | P/E on mean EPS |
|---|---|---|---|---|---|---|
| 2026 | $59.4B | $58.2B – $60.9B | $14.45 | $14.14 – $14.84 | 9 | 8.0x |
| 2027 | $60.6B | $57.8B – $62.0B | $14.66 | $14.18 – $15.05 | 10 | 7.9x |
| 2028 | $62.0B | $58.9B – $64.2B | $16.27 | $15.65 – $17.32 | 4 | 7.1x |
Reported vs expected, every quarter on file
| Reported | EPS expected | EPS actual | EPS surprise | Revenue expected | Revenue actual | Revenue surprise |
|---|---|---|---|---|---|---|
| 2026-08-04 | $3.52 | $4.08 | +15.9% | $14.4B | $14.2B | −1.4% |
| 2026-05-05 | $3.09 | $3.61 | +16.8% | $14.1B | $15.2B | +8.0% |
| 2026-02-03 | $3.37 | $3.30 | −2.1% | $14.7B | $14.5B | −1.0% |
| 2025-10-29 | $3.72 | $4.26 | +14.5% | $14.1B | $17.9B | +27.0% |
| 2025-07-30 | $3.22 | $3.58 | +11.2% | $13.5B | $13.8B | +1.9% |
| 2025-04-30 | $3.18 | $3.29 | +3.5% | $14.4B | $13.5B | −6.3% |
| 2025-02-04 | $3.36 | $2.96 | −11.9% | $14.7B | $12.6B | −14.2% |
| 2024-10-30 | $3.47 | $3.48 | +0.3% | $14.9B | $19.5B | +30.9% |
| 2024-08-01 | $3.45 | $3.39 | −1.7% | $13.5B | $14.9B | +10.0% |
| 2024-04-30 | $3.13 | $3.12 | −0.3% | $14.5B | $23.5B | +62.2% |
| 2024-02-06 | $2.61 | $2.58 | −1.1% | $13.0B | $17.4B | +33.8% |
| 2023-11-01 | $3.16 | $3.44 | +8.9% | $13.0B | $8.4B | −35.6% |
| 2023-08-01 | $3.04 | $2.94 | −3.3% | $13.1B | $13.5B | +3.3% |
| 2023-05-02 | $3.02 | $2.66 | −11.9% | $13.0B | $17.1B | +31.3% |
| 2023-02-07 | $2.57 | $2.42 | −5.8% | $13.6B | $11.1B | −17.9% |
| 2022-11-01 | $2.21 | $2.13 | −3.6% | $14.7B | $20.2B | +37.7% |
| 2022-08-02 | $2.62 | $1.74 | −33.6% | $12.3B | $11.4B | −7.2% |
| 2022-05-03 | $2.67 | $3.17 | +18.7% | $13.9B | $11.9B | −14.8% |
| 2022-02-03 | $2.36 | $3.18 | +34.7% | $14.0B | $16.4B | +17.2% |
| 2021-11-02 | $2.74 | $3.78 | +38.0% | $13.5B | $21.6B | +60.0% |
| 2021-08-03 | $3.04 | $3.79 | +24.7% | $13.1B | $15.9B | +21.0% |
| 2021-05-04 | $2.68 | $4.11 | +53.4% | $14.3B | $16.9B | +18.6% |
| 2021-02-04 | $2.50 | $2.93 | +17.2% | $13.8B | $16.0B | +16.4% |
| 2020-11-03 | $2.72 | $3.21 | +18.0% | $12.6B | $15.5B | +22.3% |
Off-exchange (dark pool) volume, weekly
FINRA ATS, $ billions · through the week of 2026-08-31 (FINRA publishes with a delay)| Week of | Notional | Shares | Trades |
|---|---|---|---|
| 2026-08-31 | $222.5M | 1,850,336 | 49,900 |
| 2026-08-24 | $237.1M | 1,969,713 | 56,980 |
| 2026-08-17 | $206.4M | 1,673,695 | 59,480 |
| 2026-08-10 | $169.9M | 1,378,988 | 51,248 |
| 2026-08-03 | $413.9M | 3,409,115 | 81,013 |
| 2026-07-27 | $324.5M | 2,640,892 | 66,371 |
Short-sale share of off-exchange volume
daily 20-day average| Date | Short share | Short volume | Total volume |
|---|---|---|---|
| 2026-10-15 | 70.5% | 567,031 | 804,397 |
| 2026-10-14 | 71.9% | 411,691 | 572,419 |
| 2026-10-13 | 67.4% | 305,415 | 452,943 |
| 2026-10-12 | 57.2% | 244,418 | 427,367 |
| 2026-10-09 | 78.4% | 529,088 | 674,519 |
| 2026-10-08 | 76.4% | 385,823 | 505,038 |
| 2026-10-07 | 75.8% | 390,562 | 515,308 |
| 2026-10-06 | 66.2% | 301,893 | 456,327 |
| 2026-10-05 | 67.6% | 362,847 | 536,926 |
| 2026-10-02 | 77.6% | 556,602 | 717,264 |
A daily flow measure from FINRA, not short interest.
Seasonality
Average return by calendar month| Month | Avg return | Up years | Years |
|---|---|---|---|
| Jan | −1.1% | 60% | 20 |
| Feb | −2.7% | 50% | 20 |
| Mar | +0.4% | 48% | 21 |
| Apr | +4.5% | 70% | 20 |
| May | +1.3% | 55% | 20 |
| Jun | −0.8% | 55% | 20 |
| Jul | +2.6% | 60% | 20 |
| Aug | −0.4% | 50% | 20 |
| Sep | +0.7% | 55% | 20 |
| Oct | +0.5% | 70% | 20 |
| Nov | +2.2% | 65% | 20 |
| Dec | +4.7% | 70% | 20 |
History, not a forecast.
Indicators
as of 2026-10-16RSI 1450.9
MFI48.9
ADX25.2
Stochastic %K / %D60.8 / 45.1
Williams %R-16.4
CCI29
TSI / signal-15.4 / -17.9
Chaikin money flow0.06
ATR$2.28
Bollinger width7.8%
Volume vs 20-day avg0.96x
SupertrendDown
Moving averages and bands
level (price vs level)SMA 20$115.05 (+0.7%)
SMA 50$118.16 (−1.9%)
SMA 200$108.33 (+7.0%)
EMA 21$115.24 (+0.6%)
EMA 50$116.21 (−0.3%)
EMA 200$111.02 (+4.4%)
Bollinger upper$119.51 (−3.0%)
Bollinger lower$110.58 (+4.8%)
Parabolic SAR$111.02 (+4.4%)
Open the live chart, 110+ indicatorsAbout Prudential Financial, Inc.
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.
https://www.prudential.com
Key executives
| Name | Title | Pay | Born |
|---|---|---|---|
| Jacques Philppe Chappuis | President & CEO of PGIM Inc. | $14.0M | 1970 |
| Andrew Francis Sullivan | Chairman, Chief Executive Officer & President | $6.2M | 1971 |
| Yanela del Carmen Frias | Executive Vice President & Chief Financial Officer | $2.6M | 1972 |
| Scott E. Case | Executive Vice President & Head of Global Technology and Operations | $2.5M | 1971 |
| Matthew J. Armas | Senior Vice President & Chief Investment Officer | — | — |
| Robert Boyle | Senior Vice President, Controller & Principal Accounting Officer | — | 1966 |
| Tina Madon | Global Head of Investor Relations | — | — |
| Todd Shriber | Vice President of Life Distribution and Sales | — | — |
Executive pay, latest proxy
| Executive | Year | Salary | Stock awards | Incentive | Total |
|---|---|---|---|---|---|
| None on file. | |||||
Employees
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| 2026-08-25 | $1.4 | 2026-09-10 |
| 2026-05-26 | $1.4 | 2026-06-11 |
| 2026-02-17 | $1.4 | 2026-03-12 |
| 2025-11-18 | $1.35 | 2025-12-11 |
| 2025-08-19 | $1.35 | 2025-09-11 |
| 2025-05-20 | $1.35 | 2025-06-12 |
| 2025-02-18 | $1.35 | 2025-03-13 |
| 2024-11-19 | $1.3 | 2024-12-12 |
Moat model
None · Efficient Scale · 2026-06-30Cost advantage38
Intangibles36
Switching costs22
Network effect40
Efficient scale65
Our component scores (0-100) and overall 37.9; a model of the business, not a call on the stock.
InsiderStreet reports findings from filings and market data. Nothing on this page is a recommendation to buy or sell.Every figure is computed in code · data as of 2026-10-17