Financials · Life & Health Insurance · US stock · price as of 16 Oct 2026
Key indicators
Price
$14.88
52-week range
$14.50 – $17.50
Market cap
$5.2B
P/E (trailing)
1.3×
Dividend yield
6.9%
Revenue (last 12 months)
$64.8B
Revenue growth (3y a year)
2.2%
Price / book
0.2×
Return on equity
12.4%
Fair value
Blended fair value$117.38 book-value models
Versus priceData under review+0% to fair value
Excess-return model (banks, insurers)
$96.84
Price / book vs return on equity
$148.17
Model uncertainty
Medium
X-Ray Score
55/ 100 · Medium confidence · ahead of 69% of sector peers
Valuation99
Growth10
Profitability35
Financial health67
Dividends64
Five-year price chart navy: price · brown: 200-day average · blue band: fair value range
Executive summary
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%. 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.
StocksXray gives Prudential Financial Inc an X-Ray Score of 55 out of 100 (medium confidence), ahead of 69% of the S&P 500 stocks in its sector. Its strongest lens is valuation (99) and its weakest is growth (10).
Our fair value blend is $117.38. At $14.88 the stock trades 87% below that blend, so the label is "Data under review" with medium model uncertainty. Fair value is a range, not a price target.
XStocksXray
Prudential Financial Inc (PFH)
Valuation history multiples at each fiscal year-end price; the last column uses today's price and the last twelve months
FY2021
FY2022
FY2023
FY2024
FY2025
Now
Price
$20.11
$14.72
$16.54
$16.69
$16.46
$14.88
Market cap
$7.8B
$5.5B
$6.0B
$6.0B
$5.8B
$5.2B
P/E
0.9×
–
2.5×
2.2×
1.6×
1.3×
Price / book
0.1×
0.2×
0.2×
0.2×
0.2×
0.2×
Dividend yield
22.87%
32.61%
30.23%
31.16%
32.81%
6.94%
Fundamentals checklist ● 2 Good · ● 1 Average · ● 3 Bad · each check graded against the sector
Risk models
Piotroski F-Score8 of 9Good
Growth
Revenue growth (3y)2.2%Bad
Growth consistency60%Bad
Valuation
Fair value vs price7.9×Good
Profitability
Return on invested capital10.6%Average
Operating margin7.6%Bad
XStocksXray
Prudential Financial Inc (PFH)
Financials US$ millions, from SEC filings; last column is the last twelve months
Income statement
FY21
FY22
FY23
FY24
FY25
LTM
Revenue
71,247
56,881
53,979
70,405
60,774
64,765
Net income
8,868
-1,647
2,488
2,727
3,576
3,918
Diluted EPS ($)
22.40
-4.49
6.74
7.50
9.99
11.16
Net margin
12.4%
−2.9%
4.6%
3.9%
5.9%
6.0%
Balance sheet
FY21
FY22
FY23
FY24
FY25
LTM
Total assets
937,582
689,029
721,212
735,587
773,740
783,554
Cash
12,888
17,251
19,419
18,497
19,712
15,162
Total debt
19,344
20,683
19,500
20,140
20,299
20,618
Equity
61,876
30,593
27,820
27,872
32,438
31,577
Dividend per share ($)
4.60
4.80
5.00
5.20
5.40
5.50
Revenue and net income US$ billions: navy revenue, teal net income
Every number comes from SEC filings, end-of-day prices and the StocksXray models described on the methodology page. The X-Ray Score ranks each metric against the company's own sector. Fair value blends three models and carries a typical error of about 40%, so treat it as a range. Analyst ratings, price targets and earnings-call summaries are not part of this report. Educational research, not financial advice; read the disclaimer.