Prudential Financial Inc (PRU) Financial Analysis

In short

Prudential Financial Inc (PRU) has revenue down 13.7% to $60.8B and net income up 31.1% to $3.6B year on year. Its net margin is 5.9%, and it trades at 10.3× trailing earnings. Fisclear flags 1 medium-severity risk and no high-severity ones. How we calculate this

Compare: MET vs PRU · AFL vs PRU · LNC vs PRU · PRU vs UNM

Valuation

Financial Services

Live · Yahoo Finance

Price

$114.82

Market Cap

$39.6B

P/E (TTM)

10.4x

Price ÷ earnings per share

P/B

1.3x

Price ÷ book value

P/S (TTM)

0.6x

Price ÷ revenue per share

EV / EBITDA

11.6x

Beta

0.84

Moderate market correlation

Dividend Yield

4.88%

PEG Ratio

0.8x

P/E ÷ earnings growth rate

52-Week Range

$91.89$114.82 now$127.72

Decision Context

Altman Z-Score indicates financial distress risk. Review debt levels and cash runway before any position sizing decision.

Based on filing period ending Jun 2026

FisclearScore is a quantitative model using public financial data and sector median benchmarks (refreshed monthly). Not financial advice. Always conduct independent due diligence.

PRU vs

Macro Context

Fed Funds Rate

3.75%

Accommodative

10-Year Treasury

4.99%

2026-09-01

Unemployment

4.2%

Near full employment

CPI Index

334.1

2026-08-01

M2 Money Supply

$23.3T

2026-08-01

The Federal Funds rate stands at 3.75% — a moderately elevated rate environment that raises borrowing costs across the economy; 10-year Treasury yields are at 4.99%, setting the benchmark for long-term corporate borrowing; Unemployment stands at 4.2%; Industrial production index is at 103.1; M2 money supply is $23.3T; CPI index stands at 334.1.

SWOT Analysis — PRU

Inflationary Boom

Macro lens (Inflationary Boom): Rising costs and tighter margins amplify financial risks in this regime.

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Strengths

EPS (Diluted): $9.99 (+33.2% YoY) — Earnings per share rose 33% — each share earned more.
Net Income: $3.6B (+31.1% YoY) — Profit grew 31% — the company kept more of each dollar earned.
Total Assets: $773.7B (+5.2% YoY) — Total assets grew 5% — the company's resource base expanded.

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Weaknesses

Operating Cash Flow: $6.3B (-26.2% YoY) — Operating cash flow fell 26% but remained positive.
Revenue: $60.8B (-13.7% YoY) — Revenue fell 14% — the company generated less from its core operations.

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Opportunities

No clear opportunities identified at this time.

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Threats

Revenue declined 14% year-over-year — the company brought in less from its core business than the prior year.

Year-over-Year Changes

EPS (Diluted)

$9.99

was $7.50

+33.2%

Earnings per share rose 33% — each share earned more.

Net Income

$3.6B

was $2.7B

+31.1%

Profit grew 31% — the company kept more of each dollar earned.

Operating Cash Flow

$6.3B

was $8.5B

−26.2%

Operating cash flow fell 26% but remained positive.

Revenue

$60.8B

was $70.4B

−13.7%

Revenue fell 14% — the company generated less from its core operations.

Total Assets

$773.7B

was $735.6B

+5.2%

Total assets grew 5% — the company's resource base expanded.

Risk Flags

0 high · 1 medium · 0 low

◈ Medium
Revenue declined 14% year-over-year — the company brought in less from its core business than the prior year.

Technical Signals

Daily closes · 1-year data

Prudential Financial Inc: common questions

Is Prudential Financial Inc profitable?

Yes. Prudential Financial Inc made a net profit of $3.6B in its latest fiscal year (fiscal 2025), a net margin of 5.9%.

Is Prudential Financial Inc's revenue growing?

No. Revenue fell 13.7% year on year, to $60.8B.

What is Prudential Financial Inc's P/E ratio?

Prudential Financial Inc trades at 10.4× its trailing twelve-month earnings. In other words, the share price is about 10 times the profit per share the company earned over the past year.

Does Prudential Financial Inc pay a dividend?

Yes. Prudential Financial Inc's forward dividend yield is 4.88%, the expected annual dividend as a share of the current share price.

What are the main risks for Prudential Financial Inc?

Fisclear's checks flag 1 medium- or high-severity risk. The most serious: Revenue declined 14% year-over-year — the company brought in less from its core business than the prior year.

Answers are generated from the figures in this report (updated 9 Oct 2026). Information, not investment advice.