# Prudential Financial Inc. (PRU) fundamentals

Data as of 2026-11-04. NYSE, United States. Sector: Financial Services / Insurance. Price $118.81, market value $41.0 billion.

## Valuation
- **P/E (trailing): 10.8×** (5-yr avg 10.8×, 3-yr avg 13.1×). Prudential Financial Inc. trades at 10.8× trailing earnings, close to its own five-year average of 10.8×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 8.7×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.26**. A PEG of 0.26 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 0.6×**. Each dollar of revenue is priced at 0.6×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 1.3×**. The shares trade at 1.3× book value; book value is a meaningful part of the valuation.
- **Earnings yield: 9.3%**. The inverse of the P/E: 9.3% of the price is earned each year.

## Profitability
- **Net margin: 5.9%**. 5.9% of each dollar of sales reaches the bottom line.
- **Return on equity: 11.0%**. 11.0% on shareholders' equity is solid.
- **Return on assets: 0.5%**. Each dollar of assets produces 0.5% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): -13.7%** (3-yr 2.2%/yr, 5-yr 1.3%/yr). Revenue fell 13.7% over the last year, against 1.3% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 33.2%**. Earnings per share rose 33.2%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.
- **Cash and short-term investments: $19.7 billion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 4.71%** ($5.50 per share, trailing). Prudential Financial Inc. yields 4.71%, an income-level yield.
- **Payout ratio: 54%**. 54% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 17**. 17 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 4.2%/yr** (1-yr 3.8%). The dividend has grown 4.2% a year over five years.
- **Shareholder yield: 7.1%**. Dividends plus net buybacks return 7.1% of the market value a year.

## Analyst view
- **Analyst consensus: hold** (15 analysts). 15 analysts cover Prudential Financial Inc.; the consensus is hold, with an average price target of $107.53 (-9% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 18.4%** (YTD 7.7%, 3-mo -3.8%). The shares are up 18.4% over twelve months including dividends.
- **From 52-week high: -7.0%** (29.3% above the low). Trading 7% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 58**. An RSI of 58 is neutral.
- **Beta (1 yr): 0.61** (volatility 22%). Beta of 0.61 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=PRU · Page: https://foliofundamentals.com/stocks/pru

Not investment advice.