NYSE · Financial Services

Prudential Financial, Inc.

PRU · Insurance - Life

$106.53

▼ -0.48 (-0.45%)

Cached · 10 min

Overall Grade

Defensive

Enterprising

Profitability

F⤢

Net Income Margin 3.8%

Fin. Health

F⤢

Years to Pay Off Debt 38.7 yrs

Valuation

F⤢

Margin of Safety 0.0%

Price-to-Book 1.16x

Cash Flow

A⤢

Free Cash Flow $1.0B

Defensive — Graham's strict criteria (P/B, P/E, dividends, stability) · Enterprising — Profitability & cash flow focused, accepts higher valuations for quality

About Prudential Financial, Inc.

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.

Market Data

Market Cap $37.0B

Enterprise Value $57.7B

P/E (TTM) 10.96

Dividend Yield 5.09%

Exchange NYSE

Key Margins

Gross Profit N/A

Operating Margin N/A

Net Margin 3.8%

Company Info

Sector Financial Services

Industry Insurance - Life

Employees 36607

Country United States

Visit website

📖

Full Graham Analysis

Mr. Market is currently offering Prudential Financial, Inc. at $106.53.

The business passes 4 of 6 of Graham's defensive criteria — adequate but not exceptional.

At $106.53, the stock trades at a 81% premium to its Graham Number of $58.99. Graham would consider this price speculative.

There is no margin of safety at the current price. Graham would advise patience and waiting for a better entry point.

Conclusion: This stock is better suited for Graham's Enterprising investor — one willing to devote time and skill to security selection.

Showing Key Metrics

Income Highlights

Metric	Q1 2026	Q4 2025	Q4 2024
Gross Profit %	N/A•	N/A•	N/A
Operating Margin %	N/A•	N/A•	N/A
Net Income %	3.8%▼	5.8%•	N/A
Diluted EPS	1.68▼	2.55•	N/A

Balance Sheet Highlights

Metric	Q1 2026	Q4 2025	Q4 2024
Total Assets	$765.4B	$773.7B	N/A
Total Debt	$23.1B▲	$23.0B•	N/A
Working Capital	N/A•	N/A•	N/A
Years to Pay Debt	38.71	25.37	N/A

Cash Flow Highlights

Metric	Q1 2026	Q4 2025
Free Cash Flow	$1.0B▼	$3.3B
Owner Earnings	N/A	N/A
CapEx % of Net Income	N/A	N/A

Income Statement

	2026	2025
Tax Rate For Calcs	0	0
Net Income From Continuing Operation Net Minority Interest	597,000	905,000
Reconciled Depreciation	143,000	-49,000
Normalized Income	597,000	905,000
Net Income From Continuing And Discontinued Operation	597,000	905,000
Total Expenses	14,813,000	14,461,000
Diluted Average Shares	349,400	350,900
Basic Average Shares	347,700	349,000
Diluted EPS	0	0
Basic EPS	0	0
Diluted NI Availto Com Stockholders	588,000	895,000
Net Income Common Stockholders	588,000	895,000
Otherunder Preferred Stock Dividend	9,000	10,000
Net Income	597,000	905,000
Minority Interests	-9,000	-36,000
Net Income Including Noncontrolling Interests	606,000	941,000
Net Income Continuous Operations	606,000	941,000
Earnings From Equity Interest Net Of Tax	2,000	-4,000
Tax Provision	129,000	269,000
Pretax Income	733,000	1,214,000
Other Income Expense	30,000	1,014,000
Other Operating Expenses	20,000	-15,000
Selling General And Administration	3,469,000	3,476,000
General And Administrative Expense	3,469,000	3,476,000
Other Gand A	3,469,000	3,476,000
Total Revenue	15,546,000	15,676,000
Operating Revenue	15,546,000	15,676,000
Loss Adjustment Expense	9,572,000	8,803,000
Net Policyholder Benefits And Claims	9,572,000	8,803,000
Policyholder Benefits Gross	9,572,000	13,476,000

Balance Sheet

	2026	2025	2024
Treasury Shares Number	318,980	318,361
Ordinary Shares Number	347,325	347,944
Share Issued	666,305	666,305
Net Debt	7,175,000	3,246,000
Total Debt	23,111,000	22,958,000
Tangible Book Value	31,593,000	30,561,000
Invested Capital	55,086,000	55,396,000
Net Tangible Assets	31,593,000	30,561,000
Common Stock Equity	31,975,000	32,438,000
Total Capitalization	53,920,000	53,698,000
Total Equity Gross Minority Interest	34,927,000	35,581,000
Minority Interest	2,952,000	3,143,000
Stockholders Equity	31,975,000	32,438,000
Gains Losses Not Affecting Retained Earnings	-3,450,000	-3,077,000
Other Equity Adjustments	-3,450,000	-3,077,000
Treasury Stock	25,461,000	25,335,000
Retained Earnings	34,932,000	34,831,000
Additional Paid In Capital	25,948,000	26,013,000
Capital Stock	6,000	6,000
Common Stock	6,000	6,000
Total Liabilities Net Minority Interest	730,469,000
Non Current Deferred Liabilities	15,910,000	15,798,000
Non Current Deferred Revenue	15,910,000	15,798,000
Long Term Debt And Capital Lease Obligation	21,945,000	21,260,000
Long Term Debt	21,945,000	21,260,000
Current Debt And Capital Lease Obligation	1,166,000	1,698,000
Current Debt	1,166,000	1,698,000
Other Current Borrowings	36,000	33,000
Line Of Credit	220,000	255,000
Commercial Paper	874,000	874,000
Current Notes Payable	36,000	536,000
Payables And Accrued Expenses	20,334,000	20,116,000
Payables	20,334,000	20,116,000
Dividends Payable	809,000	1,272,000
Total Tax Payable	255,000
Income Tax Payable	255,000
Accounts Payable	19,270,000	18,844,000
Total Assets	765,396,000	773,740,000
Investments And Advances	388,533,000	385,902,000
Long Term Equity Investment	16,821,000	16,502,000	16,419,000
Investments In Other Ventures Under Equity Method	16,821,000	16,502,000	16,419,000
Goodwill And Other Intangible Assets	382,000	1,877,000
Other Intangible Assets	382,000	787,000
Goodwill		1,090,000	1,053,000
Net PPE		2,698,000	2,694,000
Receivables	43,213,000	44,356,000
Taxes Receivable	0	279,000
Loans Receivable	3,233,000	2,351,000
Accounts Receivable	43,213,000	44,077,000
Cash Cash Equivalents And Short Term Investments	83,492,000	73,025,000
Other Short Term Investments	67,556,000	53,313,000
Cash And Cash Equivalents	15,936,000	19,712,000

Cash Flow

	2026	2025
Free Cash Flow	1,008,000	3,319,000
Repurchase Of Capital Stock	-246,000	-254,000
Repayment Of Debt	-560,000	-252,000
Issuance Of Debt	732,000	1,192,000
End Cash Position	15,993,000	19,749,000
Beginning Cash Position	19,749,000	17,524,000
Effect Of Exchange Rate Changes	-28,000	-135,000
Changes In Cash	-3,728,000	2,360,000
Financing Cash Flow	5,440,000	4,398,000
Cash Flow From Continuing Financing Activities	5,440,000	4,398,000
Net Other Financing Charges	4,403,000	4,500,000
Proceeds From Stock Option Exercised	29,000	25,000
Cash Dividends Paid	-502,000	-475,000
Common Stock Dividend Paid	-502,000	-475,000
Net Common Stock Issuance	-246,000	-254,000
Common Stock Payments	-246,000	-254,000
Net Issuance Payments Of Debt	173,000	838,000
Net Short Term Debt Issuance	1,000	-102,000
Net Long Term Debt Issuance	172,000	940,000
Long Term Debt Payments	-560,000	-252,000
Long Term Debt Issuance	732,000	1,192,000
Investing Cash Flow	-10,176,000	-5,357,000
Cash Flow From Continuing Investing Activities	-10,176,000	-5,357,000
Net Other Investing Changes	78,000	138,000
Net Investment Purchase And Sale	-9,972,000	-5,240,000
Sale Of Investment	28,764,000	28,611,000
Purchase Of Investment	-38,736,000	-33,851,000
Operating Cash Flow	1,008,000	3,319,000
Cash Flow From Continuing Operating Activities	1,008,000	3,319,000
Change In Working Capital	-1,008,000	1,042,000
Change In Other Working Capital	-1,320,000	449,000
Other Non Cash Items	-620,000	-515,000
Depreciation And Amortization	143,000	-49,000
Operating Gains Losses	1,042,000	175,000
Earnings Losses From Equity Investments	0	-5,000
Gain Loss On Investment Securities	1,042,000	180,000
Net Income From Continuing Operations	606,000	941,000

📊 Quarterly mode — Graham Fair Value & 7 Criteria require annual data. Switch to Annual for full analysis.

Quarter vs Same Quarter Last Year

YoY strips seasonality

Revenue Growth (YoY)

Prior year: $13.5B ▲ $15.5B +14.8%

Revenue growth vs same quarter last year strips seasonality. Consistent double-digit growth is a Buffett hallmark.

Net Margin

Prior year: 5.2% ▼ 3.8% -1.4pp

Net margin can be distorted by one-time items, tax timing, or interest costs — compare to operating margin for signal quality.

Quarterly Health Checks

3 Graham/Buffett criteria that are valid and reliable on quarterly data

✅ Adequate Size

Graham required scale for resilience. Quarterly revenue × 4 gives an annualised proxy.

$15.5B/qtr (≈$62.2B ann.)

vs > $1.5B annualised revenue

✅ Free Cash Flow

Buffett's most important single metric. A positive FCF quarter means the business generated real cash for owners after maintaining its asset base.

$1.0B

vs Positive

Operating Cash Flow

$1.0B

Latest quarter · Buffett's cash reality check

ROIC

N/A

Based on latest annual operating income

Market Cap / Net Assets

1.1x

Net Assets: $34.9B

Peers & Industry

No auto-detected peers for Insurance - Life. You can manually compare PRU against any stock using the Compare tool.

"The management of a business is its most important single factor — more important than market position, patents, or financial structure."

— Benjamin Graham

Capital Allocation & Alignment

Insider Ownership

0.18%

Low — management has little skin in the game

Return on Equity (ROE)

1.9%

Weak — poor returns on equity

Return on Assets (ROA)

0.1%

Poor — assets are not generating adequate returns

Share Buybacks (Latest Year)

$1.0B

Management is returning capital to shareholders via buybacks

Debt Trend YoY

+0.7% YoY

Debt is roughly stable

Leadership Team

Andrew Francis Sullivan

Chairman, CEO & President

Age 54

Pay: $6,220,845

1.042% of net income

Yanela del Carmen Frias

Executive VP & CFO

Age 53

Pay: $2,585,871

0.433% of net income

Jacques Philppe Chappuis

President & CEO of PGIM Inc.

Age 55

Pay: $13,960,166

2.338% of net income

Todd Shriber

Vice President of Life Distribution and Sales

Top Institutional Holders

Institution	% Owned	Shares
Blackrock Inc.	9.64%	33,466,367
Vanguard Capital Management LLC	6.51%	22,581,014
State Street Corporation	4.89%	16,955,581
Vanguard Portfolio Management LLC	4.69%	16,287,591
Geode Capital Management, LLC	3.18%	11,039,329
Morgan Stanley	1.77%	6,154,554
Goldman Sachs Group Inc	1.47%	5,100,250
Invesco Ltd.	1.37%	4,766,675

⚠️ Current ratio below 1 — liquidity risk

Risk Analysis

Beta (Market Risk)

0.85

Low volatility — more stable than the market

Short Interest

4.0% of float

Low short interest — market is not heavily bearish

Debt-to-Equity

1.59x

Moderate leverage

Current Ratio

0.81x

Weak liquidity — current liabilities exceed current assets

52-Week Price Range

Low: $91.89 Current: $106.53 High: $119.76

Currently at 53% of 52-week range

Prudential Financial, Inc.

Metric Explanations

Full Graham Analysis

Income Highlights

Balance Sheet Highlights

Cash Flow Highlights

Quarter vs Same Quarter Last Year

Quarterly Health Checks

Operating Cash Flow

ROIC

Market Cap / Net Assets

Peers & Industry

Capital Allocation & Alignment

Leadership Team

Top Institutional Holders

Risk Analysis