| Profitability | 29/100 |
| Growth | 64/100 |
| Momentum | 90/100 |
| Quality | 72/100 |
| Earnings Quality | 73/100 |
| Balance Sheet | 66/100 |
| Value | 86/100 |
| Risk (safety) | 80/100 |
| Overall | 57.0/100 |
| Symbol | IS Score |
|---|---|
| PUK | 53 |
| AFL | 59 |
| MET | 42 |
| UNM | 32 |
| GL | 46 |
| JXN | 64 |
| PRU | 57 |
Both readings sit above the midpoint — business quality at 57 and price structure at 62 out of 100 — so they are not in conflict. The fundamentals and the tape are saying the same thing, which is the case in which either one alone would have been enough.
| Trigger | Where it stands now | What it would mean |
|---|---|---|
| IS Score reaches 75 and holds two consecutive quarters | now 57.0 | would move us up one band |
| IS Score stops falling - one quarter higher than the prior | last four: 29 → 43 → 55 → 57 | the direction matters more than the level |
| Technical vote share back above 50% | now 73% | price structure no longer broken |
| Institutional holder count rises two quarters running | peak 1,420 → now 1,420 | fewer institutions willing to hold is our clearest warning |
This page is InsiderStreet's own reading, produced from the data in the rest of this document. It is not a price target and not investment advice. Analyst consensus and street price targets appear later under their own heading and are the street's numbers, not ours.
| Quarter | Holders | 13F shares | Value | Reported own% |
|---|---|---|---|---|
| 2026 Q2 | 1,420 | 220.6M | $23.3B | 68.2% |
| 2026 Q1 | 1,367 | 216.2M | $20.9B | 66.8% |
| 2025 Q4 | 1,414 | 213.6M | $23.8B | 66.0% |
| 2025 Q3 | 1,315 | 210.7M | $21.6B | 65.1% |
| 2025 Q2 | 1,320 | 210.9M | $22.4B | 65.2% |
| 2025 Q1 | 1,338 | 213.6M | $23.6B | 66.0% |
| 2024 Q4 | 1,376 | 214.5M | $25.1B | 66.3% |
| 2024 Q3 | 1,303 | 207.6M | $24.7B | 64.2% |
| 2024 Q2 | 1,305 | 206.9M | $23.9B | 64.0% |
| 2024 Q1 | 1,272 | 205.4M | $23.9B | 63.5% |
| 2023 Q4 | 1,236 | 204.1M | $21.0B | 63.1% |
| 2023 Q3 | 1,162 | 200.5M | $19.0B | 62.0% |
| Insider | Role | Date | Type | Shares | Value | Post-Txn Owned |
|---|---|---|---|---|---|---|
| Wolk Joseph J | director | 2026-09-10 | A-Award | 21 | — | 1,826 |
| Wolk Joseph J | director | 2026-09-10 | A-Award | 21 | — | 1,798 |
| Todman Michael | director | 2026-09-10 | A-Award | 155 | — | 13,334 |
| Todman Michael | director | 2026-09-10 | A-Award | 151 | — | 12,943 |
| Todman Michael | director | 2026-09-10 | A-Award | 21 | — | 1,798 |
| Stoddard Thomas D | director | 2026-09-10 | A-Award | 20 | — | 1,783 |
| Stoddard Thomas D | director | 2026-09-10 | A-Award | 21 | — | 1,798 |
| Poon Christine A | director | 2026-09-10 | A-Award | 161 | — | 13,840 |
| 6-mo decomposition (Form 4) | Txns | Shares | Value | Signal weight |
|---|---|---|---|---|
| S — Open-market sales | 2 | 21,232 | $2.4M | Counted |
| M — Exercises (paired A/D) | 30 | 86,969 | — | None — mechanics |
| F — Tax withholding | 28 | 39,643 | $3.9M | None — compensation |
| P — Open-market purchases | 0 | 0 | $0 | Counted — none occurred |
| Member | Chamber | Trade | Size band | Traded | Disclosed |
|---|---|---|---|---|---|
| Lloyd Smucker | House | SELL | $1,001 - $15,000 | 2026-04-23 | 2026-05-01 |
| Lloyd K. Smucker | House | SELL | $1,001 - $15,000 | 2026-04-23 | 2026-05-01 |
| Gilbert Cisneros | House | SELL | $1,001 - $15,000 | 2026-02-10 | 2026-03-10 |
| Alan Armstrong | Senate | SELL | $1,001 - $15,000 | 2026-03-27 | 2026-07-21 |
| Tommy Tuberville | Senate | SELL | $15,001 - $50,000 | 2023-09-07 | 2023-10-13 |
| Tommy Tuberville | Senate | SELL | $15,001 - $50,000 | 2023-09-07 | 2023-10-12 |
| Manager | Shares | Value |
|---|---|---|
| Assenagon Asset Management S.A. | 429,666 | $49M |
| Wedge Capital Management L L P/Nc | 284,798 | $32M |
| Gradient Investments Llc | 158,500 | $18M |
| Cantor Fitzgerald Investment Advis | 139,967 | $16M |
| Asr Vermogensbeheer N.V. | 136,266 | $15M |
| Viking Fund Management Llc | 135,000 | $15M |
| Fund | Weight | Position |
|---|---|---|
| VITSX | 0.1% | $1.2B |
| VTSAX | 0.1% | $1.2B |
| VSMPX | 0.1% | $1.2B |
| VTI | 0.1% | $1.2B |
| VFINX | 0.1% | $1.0B |
| VFIAX | 0.1% | $1.0B |
| ATS Venue (4-wk) | Shares | Avg trade |
|---|---|---|
| Incr Intelligent Cross Llc | 2.6M | 43 sh |
| Ebxl Level Ats | 1.6M | 24 sh |
| Mstx Ms Trajectory Cross (Ats-1) | 1.5M | 39 sh |
| Ubsa Ubs Ats | 1.5M | 40 sh |
| Sgmt Sigma X2 | 1.2M | 33 sh |
| Mlix Instinct X | 0.9M | 54 sh |
| Region | Revenue | Share |
|---|---|---|
| UNITED STATES | $48.6B | 69% |
| JAPAN | $13.8B | 20% |
| Non-US | $8.1B | 11% |
Moat score 38/100 — None; primary source Efficient Scale.
| Officer | Title |
|---|---|
| Jacques Philppe Chappuis | President & CEO of PGIM Inc. |
| Andrew Francis Sullivan | Chairman, Chief Executive Officer & President |
| Yanela del Carmen Frias | Executive Vice President & Chief Financial Officer |
| Scott E. Case | Executive Vice President & Head of Global Technology and Operations |
| Period | EPS est. | EPS actual | EPS surprise | Rev est. ($M) | Rev actual ($M) | Rev surprise |
|---|
| YoY growth | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | +24.8% | -19.9% | -4.8% | +30.2% | -14.0% |
| Gross profit | +85.9% | -58.0% | +47.6% | -0.2% | +45.8% |
| Operating income | -3454.5% | -117.5% | -262.4% | +4.5% | +49.1% |
| Net income | -2471.1% | -118.6% | -251.1% | +9.6% | +31.1% |
| $B · FY ends | FY21 | FY22 | FY23 | FY24 | FY25 | Trend |
|---|---|---|---|---|---|---|
| Revenue | 71.1 | 57.0 | 54.3 | 70.7 | 60.8 | |
| Cost of revenue | 42.9 | 45.1 | 36.7 | 53.2 | 35.2 | |
| Gross profit | 28.3 | 11.9 | 17.6 | 17.5 | 25.6 | |
| R&D expense | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| SG&A expense | 13.6 | 12.6 | 13.0 | 13.3 | 13.0 | |
| Operating income | 10.8 | -1.9 | 3.1 | 3.2 | 4.8 | |
| EBITDA | 11.0 | -1.8 | 3.0 | 3.6 | 4.9 | |
| D&A | 0.2 | 0.1 | -0.1 | 0.4 | 0.1 | |
| Pretax income | 10.9 | -2.0 | 3.1 | 3.4 | 4.8 | |
| Income tax | 2.0 | -0.3 | 0.6 | 0.5 | 1.1 | |
| Net income | 8.9 | -1.6 | 2.5 | 2.7 | 3.6 | |
| Diluted EPS ($) | 19.51 | -4.49 | 6.74 | 7.50 | 10.22 | |
| Diluted shares (M) | 390 | 372 | 365 | 359 | 350 |
| $B | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Cash & equivalents | 17.3 | 19.4 | 18.5 | 19.7 | |
| ST investments | 312.3 | 321.3 | 47.9 | 6.4 | |
| Receivables (net) | 19.0 | 28.2 | 38.5 | 48.0 | |
| Total current assets | 0.0 | 0.0 | 0.0 | 26.1 | |
| PP&E (net) | 0.0 | 0.0 | 0.0 | 0.0 | |
| Goodwill + intangibles | 2.0 | 2.1 | 1.9 | 23.4 | |
| Total assets | 689.0 | 721.2 | 735.6 | 773.7 | |
| Accounts payable | 5.7 | 15.7 | 17.1 | 18.8 | |
| Short-term debt | 1.1 | 0.9 | 1.2 | 11.1 | |
| Deferred revenue | 0.0 | 0.0 | 0.0 | 0.0 | |
| Total current liabilities | 0.0 | 0.0 | 0.0 | 0.0 | |
| Long-term debt | 20.0 | 20.0 | 20.4 | 21.8 | |
| Total liabilities | 657.1 | 691.3 | 705.5 | 738.2 | |
| Shareholders' equity | 31.9 | 29.9 | 30.1 | 35.6 |
| $B | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Net income | (1.5) | 2.5 | 2.8 | 3.6 | |
| D&A | 0.1 | (0.1) | 0.4 | 0.1 | |
| Stock-based compensation | 0.2 | 0.0 | 0.0 | 0.0 | |
| Working capital change | 1.3 | (1.0) | (0.4) | (4.6) | |
| Operating cash flow | 5.2 | 6.5 | 8.5 | 6.3 | |
| Capital expenditures | 0.0 | 0.0 | 0.0 | 0.0 | |
| Investing cash flow | (7.6) | (12.1) | (28.6) | (25.9) | |
| Buybacks | (1.5) | (1.0) | (1.0) | (1.0) | |
| Dividends paid | (1.8) | (1.8) | (1.9) | (1.9) | |
| Debt issuance / (repay) | 1.4 | (0.4) | 0.8 | 3.1 | |
| Financing cash flow | 4.9 | 7.7 | 19.4 | 20.8 | |
| Free cash flow | 5.2 | 6.5 | 8.5 | 6.3 |
| Ratio | FY21 | FY22 | FY23 | FY24 | FY25 | TTM | Trend |
|---|---|---|---|---|---|---|---|
| PROFITABILITY | |||||||
| ROE | 11.9% | -4.7% | 8.5% | 9.8% | 11.9% | 12% | |
| ROA | 0.8% | -0.3% | 0.4% | 0.4% | 0.5% | 0.5% | |
| ROIC | -2.5% | 0.7% | -0.8% | -16.1% | 9.2% | 0.7% | |
| Gross margin | 39.7% | 20.9% | 32.4% | 24.8% | 42.0% | 30.8% | |
| Operating margin | 15.2% | -3.3% | 5.7% | 4.5% | 7.9% | 7.7% | |
| Net margin | 12.5% | -2.9% | 4.6% | 3.9% | 5.9% | 5.9% | |
| EBITDA margin | 15.5% | -3.1% | 5.5% | 5.1% | 8.1% | 8.1% | |
| FCF margin | 13.9% | 8.3% | 12.0% | 12.0% | 10.3% | — | |
| VALUATION | |||||||
| P/E | 4.40 | -14.63 | 13.69 | 14.76 | 11.05 | 10.4 | |
| P/B | 0.55 | 1.03 | 1.22 | 1.44 | 1.22 | 1.2 | |
| P/S | 0.48 | 0.55 | 0.63 | 0.57 | 0.65 | 0.62 | |
| P/FCF | 3.46 | 6.65 | 5.23 | 4.74 | 6.30 | 3.6 | |
| EV/EBITDA | -35.30 | 113.29 | -95.21 | -1.27 | 9.76 | 8.6 | |
| EV/Revenue | -4.78 | -4.87 | -5.27 | -0.06 | 0.77 | 0.7 | |
| Earnings yield | 22.7% | -6.8% | 7.3% | 6.8% | 9.1% | 10.25% | |
| FCF yield | 28.9% | 15.0% | 19.1% | 21.1% | 15.9% | 27.43% | |
| Ratio | FY21 | FY22 | FY23 | FY24 | FY25 | TTM | Trend |
|---|---|---|---|---|---|---|---|
| LEVERAGE & SOLVENCY | |||||||
| Current ratio | — | — | — | — | — | 1.79 | |
| Quick ratio | — | — | — | — | — | 1.79 | |
| Debt / equity | 0.32 | 0.69 | 0.75 | 0.77 | 1.03 | 0.65 | |
| Debt / assets | 2.1% | 3.1% | 2.9% | 2.9% | 4.3% | 2.6% | |
| Net debt / EBITDA | -38.85 | 126.18 | -106.55 | -12.48 | 1.50 | 1.03 | |
| Interest coverage | — | — | 6.95 | — | 8.74 | — | |
| Ratio | FY21 | FY22 | FY23 | FY24 | FY25 | TTM | Trend |
|---|---|---|---|---|---|---|---|
| EFFICIENCY | |||||||
| Asset turnover | 0.08 | 0.07 | 0.08 | 0.10 | 0.08 | 0.08 | |
| Receivables turnover | — | 5.99 | 2.34 | 2.17 | 1.49 | 1.4 | |
| DSO (days) | 0 | 61 | 156 | 168 | 245 | 270 | |
| DPO (days) | 0 | 23 | 107 | 113 | 156 | — | |
| Cash conversion cycle | 0 | 38 | 49 | 55 | 89 | 270 | |
| GROWTH (YoY) | |||||||
| Revenue growth | 24.1% | -19.7% | -4.6% | 30.2% | -13.7% | — | |
| Net income growth | 2165.2% | -127.9% | 215.6% | 9.6% | 31.1% | — | |
| EPS growth | 2259.6% | -128.9% | 217.7% | 10.7% | 33.9% | — | |
| FCF growth | 17.3% | -51.7% | 37.5% | 30.6% | -26.2% | — | |
| PER SHARE ($) | |||||||
| EPS (diluted, TTM) | 20.28 | -5.86 | 6.89 | 7.63 | 10.22 | 11.88 | |
| Book value / share | 162.45 | 83.22 | 77.06 | 78.01 | 92.70 | 98.72 | |
| Revenue / share | 185.83 | 154.68 | 150.32 | 197.80 | 174.23 | 200.42 | |
| FCF / share | 25.76 | 12.88 | 18.03 | 23.80 | 17.92 | 33.91 | |
| Cash / share | 1029.04 | 896.52 | 943.89 | 185.82 | 74.66 | 1077.90 | |
| SHAREHOLDER RETURN & SCORES | |||||||
| Buyback yield | 7.4% | 4.7% | 3.0% | 2.5% | 2.5% | 2.85% | |
| Altman Z-Score | 0.19 | 0.16 | 0.18 | 0.21 | 0.23 | 0.5 | |
| Piotroski F-Score | 8 | 3 | 7 | 6 | 6 | 9/9 | |
| Beneish M-Score | -2.58 | -2.54 | -2.24 | -1.83 | -2.59 | -2.69 | |
| Model | Score | Zone | Note |
|---|---|---|---|
| Piotroski F-Score | 9 / 9 | Strong | |
| Altman Z-Score | 0.5 | Distress (<1.81) | Distress |
| Income quality | 2.70 | Cash-backed | OCF ÷ net income |
| Beneish M-Score | -2.69 | Non-manipulator | vs −2.22 threshold |
| DuPont Decomposition (TTM) | Value |
|---|---|
| Tax burden | 0.77 |
| Interest burden | 1.00 |
| Operating margin | 7.7% |
| Asset turnover | 0.08× |
| Financial leverage | 24.82× |
| = ROE | 12% |
| Growth Quality (live) | Value |
|---|---|
| Revenue stability | 0.08 |
| Earnings stability | 0.11 |
| Earnings persistence | 0.50 |
| Revenue CAGR 3y | 0.4% |
| EPS CAGR 3y | 48.6% |
| FCF CAGR 3y | 20.8% |
| Company | Mkt cap | P/E | ROE | Net margin | Rev growth | Piotroski | 1-yr ret |
|---|---|---|---|---|---|---|---|
| PUK | $29.6B | 8.5 | 39% | 6.4% | +175.6% | 7/9 | -10.0% |
| AFL | $60.2B | 12.9 | 17% | 20.2% | +11.6% | 6/9 | +14.8% |
| MET | $64.0B | 19.2 | 13% | 3.9% | +9.0% | 6/9 | +30.4% |
| UNM | $14.6B | 21.5 | 6% | 7.8% | +3.3% | 7/9 | +25.9% |
| GL | $13.0B | 11.1 | 21% | 18.0% | +5.3% | 7/9 | — |
| JXN | $8.8B | 163.2 | 1% | — | +18.6% | 7/9 | — |
| PRI | $8.7B | 11.3 | 33% | 23.4% | +7.6% | 8/9 | — |
| VOYA | $8.5B | 15.7 | 13% | 5.0% | -25.5% | 6/9 | — |
| Consensus estimates | Revenue mean | High / Low | EPS mean | High / Low | # EPS est. |
|---|---|---|---|---|---|
| FY2026 | $59.42B | $60.92B / $58.25B | $14.45 | $14.84 / $14.14 | 9 |
| FY2027 | $60.62B | $62.02B / $57.80B | $14.66 | $15.05 / $14.18 | 10 |
| FY2028 | $61.98B | $64.21B / $58.94B | $16.27 | $17.32 / $15.65 | 4 |
| Window | Avg Target | vs. Price | # Targets |
|---|---|---|---|
| Last Month | $102.00 | -12.0% | 2 |
| Last Quarter | $109.40 | -5.6% | 5 |
| Last Year | $107.42 | -7.3% | 24 |
| All Time | $109.44 | -5.6% | 57 |
| Moving Average | Value | Distance | % Distance | Signal |
|---|---|---|---|---|
| SMA 20 | $115.05 | +0.86 | +0.75% | Above |
| SMA 50 | $118.16 | -2.25 | -1.90% | Below |
| SMA 200 | $108.33 | +7.58 | +7.00% | Above |
| EMA 9 | $114.53 | +1.38 | +1.20% | Above |
| EMA 21 | $115.24 | +0.67 | +0.58% | Above |
| EMA 50 | $116.21 | -0.30 | -0.26% | Below |
| EMA 200 | $111.02 | +4.89 | +4.40% | Above |
| Level | Value | Level | Value |
|---|---|---|---|
| Pivot / R1 / R2 | $115.41 / $117.39 / $118.42 | S1 / S2 | $114.38 / $112.40 |
| Bollinger (20,2) | $110.58 – $119.51 | Squeeze | Off |
| 52-wk range | $91.89 – $127.72 | Off 52-wk high | -9.3% |
| ATR (14) | $2.28 (2.0%) | Historical vol | 17.1% |
| Computed from live weekly prices | PRU | S&P 500 |
|---|---|---|
| Weekly volatility (σ, 1y) | 2.99% | 1.83% |
| Best / worst week (1y) | +4.9% / -7.3% | — |
| Max drawdown (5y, monthly) | -55.2% | — |
| 1-week VaR (95%) | -6.4% | — |
| Beta (5y) | 0.82 | 1.00 |
| Reading | PRU | Insurance - Life n=167 | Financial Services n=24,134 | All US symbols n=70,435 |
|---|---|---|---|---|
| Overall | -23.1 | -19.5 | -16.3 | -20.5 |
| Trend | -27.7 | -26.8 | -12.5 | -21.3 |
| Momentum | +15.9 | -14.7 | -4.4 | -15.8 |
| Volume | -37.6 | -29.2 | +0.0 | -3.8 |
| Pillar (live disclosure scores) | Score |
|---|---|
| Environmental | 62 |
| Social | 68 |
| Governance | 63 |
| Composite ESG | 64 |
Methodology. Every figure originates in InsiderStreet's production data layer and is computed deterministically by the same engines that power insiderstreet.ai. This factsheet contains no model-written text. Sections without underlying data are omitted rather than estimated.
| Data domain | Source | Coverage for this report |
|---|---|---|
| Price & volume | market_db.historical_prices | 52 rows |
| Fundamentals | income_statements_annual | 6 rows · 2020 to 2025 |
| Reported vs consensus | fact/earnings_calendar | 24 rows · 2020-11-03 to 2026-08-04 |
| Analyst estimates | dim/forward_estimates | 3 rows · 2026-12-31 to 2028-12-31 |
| Institutional ownership (13F) | holdings_db.institutional_ownership_summary | 100 rows · 2001 to 2026 |
| Insider transactions (Form 4) | edgar/form4 | 12 rows · 2026-09-10 |
| Proposed sales (Form 144) | edgar/form144 | not present for this symbol |
| Beneficial ownership (13D/G) | edgar/13dg | not present for this symbol |
| Short-sale volume (FINRA) | edgar/short_volume_daily | 60 rows · 2026-07-23 to 2026-10-15 |
| Dark pool (ATS, tier 1) | edgar/darkpool_weekly | 12 rows · 2026-06-15 to 2026-08-31 |
| ETF & fund holding | etf_holdings_changelog (30d) | 1 record |
| Peer set | stock_peers_dynamic | 8 rows |
| Industry medians | industry_medians | 1 record |
| Congressional trades | congress_db (House + Senate) | 1 record |
| ESG | fact/esg_disclosures | 1 record |
Method. Every figure in this factsheet is looked up from a named field computed in code. It contains no model-written text.
Not covered. Short interest as a percent of float and days-to-cover are not in this data set — the short-sale figures above are FINRA volume, a flow, and cannot support squeeze or covering analysis. Options positioning and intraday data are also absent. 13F ownership is filed 45 days after quarter end and congressional trades are disclosed on a lag, so both describe a past position, not a current one.