Prudential Financial (PRU) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Prudential Financial

NYSE•Financial Services•Insurance - Life

$117.93+0.89(0.01%)After hours

Market Cap

$38.29B

P/E

10.0x

P/S

0.6x

P/B

1.2x

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.

How this company scores

GoodMetricSide Score: 75/100

Strongest: Cash & Earnings Quality (24/25); weakest: Balance Sheet & Red Flags (13/25).

Profitability19/25

Growth19/25

Balance Sheet & Red Flags13/25

Cash & Earnings Quality24/25

Strengths

Rising free cash flowRising earningsCash-backed earningsProfit converts from growth

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 9.2x5y range 5.4x – 294.7x

Currently below its 19-quarter median.

P/S · 0.5x5y range 0.5x – 0.7x

Currently near its 20-quarter median.

P/B · 1.1x5y range 0.7x – 2.2x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

The company posted negative operating margins in recent quarters — core operations are unprofitable.

Revenue Decline

Watch

Revenue has softened, declining in 4 quarters. Watch for further erosion.

Price & Volume

Market Cap $38.29B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $64.83B
Q. Revenue: $15.66B
TTM EBITDA: $5.28B
TTM Op. Income: $4.98B
Q. Op. Income: $1.25B
TTM Net Income: $3.84B
Q. Net Income: $909.00M
EPS: N/A
Shares Out.: $324.64M

$64.83B in TTM revenue grew 8.9% YoY, reaching $15.66B last quarter. TTM EBITDA of $5.28B and TTM operating income of $4.98B show growth is flowing through to the bottom line. TTM net income of $3.84B means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 3 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 8.2%
Op. Margin: 8.0%
Net Margin: 5.8%

Op. margin of 8.0% is up 2.6% YoY — cost efficiency is improving. Net margin at 5.8% Over the past year, operating margin is up 49% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 9.2x
P/S Ratio: 0.5x
P/B Ratio: 1.1x

At 9.2x P/E, the stock trades below typical market levels. P/S of 0.5x and P/B of 1.1x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has fallen for 4 consecutive quarters — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $783.55B
Cash: $15.16B
Long-Term Debt: $23.48B
Book Value: $31.58B
D/E Ratio: 0.7
Debt/EBITDA: 18.3

With $783.55B in assets and $23.48B in long-term debt, D/E is 0.7and book value is $31.58B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has risen for 3 consecutive quarters — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

TTM Free Cash Flow: $10.97B
FCF Margin: 16.9%
FCF / Net Income: 2.9

TTM FCF of $10.97B. The FCF / Net Income ratio of 2.9x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 5 consecutive quarters — an improving trend.