Prudential (PRU) Stock Analysis
NYQ · Financial Services · Insurance - Life
$117.22
-2.23 (-1.87%)
PRU Interactive Price Chart & Trading Signals
PRU Stock Snapshot — Valuation, Risk & Technical Signals
PRU Key Fundamentals, Analyst Targets & Company Profile
Key Financial Ratios
Market Cap
$40.44B
P/E Ratio
10.63
Forward P/E
7.89
PEG Ratio
0.69
P/B Ratio
1.28
EPS
$11.03
Dividend Yield
4.69%
52W Range
$91.89 – $127.72
Beta
0.82
Volume
0.3M
ROE
12.0%
Profit Margin
6.0%
Revenue Growth
14.1%
Gross Margin
29.0%
EV/EBITDA
11.87
Analyst Target
$113.40
The trailing price-to-earnings ratio stands at 10.6x. Forward P/E of 7.9x implies earnings expansion expected. Price-to-book is 1.28x. EV/EBITDA sits at 11.87x. Market capitalization is $40.44B. Revenue is growing at 14.1% on a trailing basis. Earnings are expanding at 89.2%. Profit margins are 6.0%. Return on equity is 12.0%. Beta of 0.82 indicates market-average volatility.
Analyst Consensus
Recommendation
Hold
Low Target
$92.00
Mean Target
$113.40
High Target
$131.00
Based on 15 analysts
About Prudential
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.
PRU Deep Dive Analysis
Bottom Line
Verdict
Fairly ValuedBest for
General investorWatch out for
None flaggedNon-zero inputs
4/5Counts non-zero values for price, P/E, beta, macro risk, and revenue growth; zero may mean unavailable or be a genuine zero.
Prudential Financial, Inc. (PRU) trades near our multi-model fair value estimate of $120.96 by approximately 3.2%. Trailing P/E: 10.6x. Profitability signals include profit margin of 6.0% and return on equity of 12.0%. Recent growth metrics show revenue growth of 14.1% and earnings growth of 89.2%. Risk profile: beta of 0.82. Consensus: hold.
Valuation, Growth & Risk
Valuation
Fairly Valued
P/E 10.6x
Price is close to fair value estimate.
Growth
Expanding
Rev 14.1%
Revenue is outpacing the market.
Valuation Snapshot
Prudential Financial, Inc. (PRU) trades near our multi-model fair value estimate of $120.96 by approximately 3.2%. The trailing price-to-earnings ratio stands at 10.6x. Forward P/E of 7.9x suggests earnings compression ahead. Price-to-sales is 0.6x. Price-to-book is 1.3x. EV/EBITDA sits at 11.9x. Market capitalization is $40.44B.
Why it matters: A fairly valued stock means you are paying roughly what the business is worth today.
Growth & Profitability
Revenue is growing at 14.1% on a trailing basis. Earnings are expanding at 89.2%. Profit margins are 6.0%. Return on equity is 12.0%. Return on assets is 0.4%.
Why it matters: Growing revenue with healthy margins usually means the business is gaining market share or pricing power.
Risk Profile
Beta of 0.82 indicates market-average volatility. Net debt position is $17.55B.
Why it matters: Lower risk means steadier returns, but often with less upside in bull markets.
Analyst Context
Analyst consensus target of $113.40 implies 3.3% downside. Target range spans $92.00 to $131.00. 15 analysts cover the stock. Consensus recommendation: hold.
Why it matters: Analyst targets reflect what professionals expect over 12 months. A wide gap between price and target can mean the market disagrees with the consensus.
Investor Fit
Free cash flow yield of 15.5% is attractive for cash-flow-focused investors.
Takeaway: Match the stock's risk-reward profile with your own goals and time horizon. No single metric tells the whole story.
Data Methodology & Sources
Market Data (Facts)
- Price, volume, and market cap: Yahoo Finance (may be delayed)
- P/E, EPS, revenue, and debt: Yahoo Finance fundamentals
- Analyst estimates: Yahoo Finance (coverage and update times vary)
- Insider transactions: Yahoo Finance (reporting may be delayed)
QuantSoar Model (Derived)
- Fair value: available outputs from seven models; outliers are filtered using MAD (k=3.5), then combined with fixed model weights.
- Margin of Safety = (Fair Value − Displayed Price) / Displayed Price × 100
- Composite Score: 40% Value + 30% Momentum + 30% Risk
- Verdict Gauge: Base 50 + Valuation (up to ±25) + Whale sentiment (up to ±10) + Insider buying (+5) + Macro risk (up to ±10) + Technical signal (up to ±10). Analyst consensus is separate.
Model outputs are estimates based on available data and are not investment advice. Cross-check with primary sources before making investment decisions.
PRU Fairly Valued
Prudential Financial, Inc. (PRU) trades near our multi-model fair value estimate of $120.96 by approximately 3.2%.
Frequently Asked Questions
ValuationIs PRU stock overvalued right now?
ValuationWhat is PRU fair value based on current fundamentals?
RiskHow risky is PRU compared with other stocks?
GrowthIs PRU still growing?
AnalystWhat do analysts think about PRU?
DividendDoes PRU pay a dividend?
CatalystWhat could change the investment case for PRU?
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About the Author
Phasakorn Traklang (Peach) — Founder
Phasakorn Traklang (Peach) is the founder of QuantSoar, bringing expertise in SEO, web development, and technical analytics to build an AI-powered investment platform accessible to retail investors worldwide.
Connect on LinkedInInvestment Disclaimer: Tax treatment can depend on tax residence, account type, and tax year. This information is general and is not personal tax or investment advice. SEC
Data: Yahoo Finance / SEC EDGAR / Alpha Vantage / Finnhub. AI outputs verified against source data.