Prudential Financial Inc (PFH)
Financials · Life & Health Insurance · US stock · S&P 500 component
$14.88
▼ -0.12 (0.80%)
Fair valueData under review
$117
$59fair band $82–$153$176
Day's range
$14.69 – $15.24
52-week range
$14.50 – $17.50
About Prudential Financial Inc
This company, linked to the Prudential Financial group, provides life insurance, retirement products and investment management services. It sells protection and savings products to individuals and institutions and manages investment portfolios for clients. Revenue comes from insurance premiums, investment income on the assets backing its policies, and fees for managing assets and administering retirement plans.
Trailing twelve-month revenue stands at $64.8 billion. The three-year revenue growth rate is 2.2% a year. Profitability shows an operating margin of 7.6% and a return on invested capital of 11%. Shareholders receive a dividend, yielding 6.9%. This gives an X-Ray Score of 55 out of 100. These figures describe past results as reported and are a factual snapshot, not a forecast. Some measures, such as margins for real estate trusts and banks, are defined differently from those of industrial firms, so comparisons should be made with care.
Written with AI from public information and the filing figures on this page, then checked automatically for unsupported numbers. It can contain mistakes: read the company's own filings below before relying on it.
Price chart
52-wk range $14.50 – $17.50Volume 97,200Daily, split-adjusted
Vitals
Market cap$5.2B
52-week range$14.50 – $17.50
Volume (last day)97,200
P/E (TTM)1.3
EBIT / EV yield44.6%
Free-cash-flow yield–
Dividend yield6.9%
Revenue (TTM)$64.8B
Net income (TTM)$3.9B
Operating margin7.6%
Return on capital10.6%
Debt incl. leases$20.6B
Cash & securities$15.2B
Debt = borrowings plus lease liabilities. Cash & securities = cash, equivalents and short-term marketable securities (long-term securities are not counted, so net cash can be understated for companies like Apple). Net debt = debt minus cash & securities. Source: latest SEC 10-Q/10-K. EBIT / EV yield = operating profit divided by market cap plus net debt.
Fair value estimate
$117
Data under review
+0.0% to fair value
Equal blend of three models: peer multiples, a fundamentals-adjusted multiple (growth, ROIC and margin) and a 10-year DCF scaled to the market's average. Earnings-power value (no growth) is a floor and not part of the blend. Model uncertainty is Medium, so the safety margin is 30%.
Price $15
Undervalued < $82Fair $82 – $153Overvalued > $153
Excess-return (bank)
$97
A model estimate, not a price target or recommendation. Inputs: risk-free 5.09%, equity risk premium 4.23% (Damodaran). How it works.
What this means
Read the lenses below
The price sits inside our fair-value band. A high score does not guarantee a good outcome; it shifts the odds a little. Use the checklist as a prompt for your own research.
Before you invest · decision checklist
Ticked boxes are filled in from our data; the rest are yours to answer.
The five-lens scan
Every score explained in one sentence, ranked against Financials peers. Open a lens to see the numbers behind it.
Valuation
Strong
99/100
Cheap against its sector on earnings and cash flow.
See the numbers →
EBIT / EV yield44.6%
Fair value vs price7.9×
Growth
Weak
10/100
Growing slower than most of its sector.
See the numbers →
Revenue growth (3y)2.2%
Growth consistency60%
Profitability
Weak
35/100
Earns lower returns on its capital than most peers.
See the numbers →
Return on invested capital10.6%
Operating margin7.6%
Financial health
Fair
67/100
Balance sheet is in typical shape for its sector.
See the numbers →
Piotroski F-Score8 / 9
Net debt / EBITDA1.1×
Interest coverNo interest cost
Dividends
Fair
64/100
Dividend is typical for its sector.
See the numbers →
Dividend yield6.9%
Dividend growth2.0%
Quarterly results: last 6 quarters
-42.7%
Mar '25
-7.8%
Jun '25
-8.2%
Sep '25
+25.3%
Dec '25
+15.3%
Mar '26
+14.1%
Jun '26
Revenue against the same quarter a year earlier. Latest quarter revenue $15.7B, diluted EPS $2.80.
Compare with peers
GL Globe Life Inc.53 MET Metlife Inc51 AFL Aflac Inc38 PFG Principal Financial Gr...34Other Life & Health Insurance companies by X-Ray Score.
Fundamentals checklist
● 4 Good · ● 3 Average · ● 3 BadCash quality
Earnings backed by cashAverage
Risk models
Piotroski F-ScoreGood
Growth
Revenue growth (3y)Bad
Growth consistencyBad
Balance sheet
Net debt / EBITDAAverage
Interest coverGood
Valuation
Fair value vs priceGood
EBIT / EV yieldGood
Profitability
Return on invested capitalAverage
Operating marginBad
Each check is graded against the company's sector, not a fixed number. Checklist score 47/100.
Financials
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Revenue | $71.2B | $56.9B | $54.0B | $70.4B | $60.8B |
| Operating income | $12.3B | −$295M | $4.8B | $5.2B | $4.7B |
| Net income | $8.9B | −$1.6B | $2.5B | $2.7B | $3.6B |
| Operating cash flow | $9.8B | $5.2B | $6.5B | $8.5B | $6.3B |
| Operating margin | 17.3% | -0.5% | 9.0% | 7.4% | 7.7% |
| Free cash flow | – | – | – | – | – |
| Diluted EPS | $22.40 | $-4.49 | $6.74 | $7.50 | $9.99 |
Fiscal years, from SEC filings.
Technical summary
Daily
Bearish
3 bullish · 4 neutral · 9 bearish
Weekly
Strongly bearish
0 bullish · 1 neutral · 11 bearish
Monthly
Strongly bearish
0 bullish · 1 neutral · 7 bearish
Moving averages (daily)
| SMA 10 | 14.82 | Bullish |
| EMA 10 | 14.85 | Bullish |
| SMA 20 | 14.96 | Bearish |
| EMA 20 | 14.93 | Bearish |
| SMA 50 | 15.18 | Bearish |
| EMA 50 | 15.17 | Bearish |
| SMA 100 | 15.57 | Bearish |
| EMA 100 | 15.49 | Bearish |
| SMA 200 | 16.08 | Bearish |
| EMA 200 | 15.87 | Bearish |
Oscillators (daily)
| RSI (14) | 47.00 | Neutral |
| MACD (12, 26) | -0.12 | Bearish |
| Momentum (12) | 0.95 | Bullish |
| Stochastic %K (14) | 51.35 | Neutral |
| Williams %R (14) | -48.65 | Neutral |
| CCI (20) | -4.91 | Neutral |
Pivot points (classic, last session)
S3 14.08 | S2 14.38 | S1 14.63 | Pivot 14.94 | R1 15.19 | R2 15.49 | R3 15.74 |
Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.
Dividends
Paid, last 12 months
1.03 USD
Yield on today's price
6.94%
Frequency
Quarterly
Next ex-dividend date
13 Nov 2026
| Ex-dividend date | Amount per share |
|---|---|
| 13 Nov 2026 (upcoming) | 0.2578 |
| 14 Aug 2026 | 0.2580 |
| 15 May 2026 | 0.2580 |
| 13 Feb 2026 | 0.2580 |
| 14 Nov 2025 | 0.2580 |
| 15 Aug 2025 | 0.2580 |
| 15 May 2025 | 0.2580 |
| 14 Feb 2025 | 0.2580 |
| 15 Nov 2024 | 0.2580 |
| 15 Aug 2024 | 0.2580 |
| 14 May 2024 | 0.2580 |
| 14 Feb 2024 | 0.2580 |
Ex-dividend dates and amounts from EODHD. Shown as declared, before tax.
PFH SEC filings
15 Oct 2026
8-KSEC EDGAR
Results of operations; Regulation FD disclosure
9 Oct 2026
8-KSEC EDGAR
Regulation FD disclosure
8 Oct 2026
8-KSEC EDGAR
Regulation FD disclosure
5 Aug 2026
10-QSEC EDGAR
Quarterly report
4 Aug 2026
8-KSEC EDGAR
Results of operations; Regulation FD disclosure
24 Jul 2026
8-KSEC EDGAR
Regulation FD disclosure
15 Jul 2026
8-KSEC EDGAR
Results of operations; Regulation FD disclosure
4 Jun 2026
8-KSEC EDGAR
Other events
Where the numbers come from
Statements SEC EDGAR filings (10-K, 10-Q), quarters derived from year-to-date figures.
Prices end-of-day closes, split-adjusted.
Industry inputs beta, multiples and equity risk premium from Damodaran Online (NYU Stern).
StocksXray is for education only and is not financial advice. Scores and fair values are model estimates from public filings and carry uncertainty.