Prudential Financial, Inc. Logo

Prudential Financial, Inc.

PRU

(1.5)
Stock Price

121,80 USD

0.09% ROA

8.75% ROE

60.65x PER

Market Cap.

37.258.810.000,00 USD

78.57% DER

4.84% Yield

4.7% NPM

Prudential Financial, Inc. Stock Analysis

Prudential Financial, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Prudential Financial, Inc. Fundamental Stock Analysis
# Analysis Rating
1 Dividend

The company's consistent dividend distribution over the past five years reflects its dedication to providing shareholders with steady returns, making it an appealing choice for investors seeking income stability.

2 ROE

The stock's ROE falls within an average range (2.42%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

3 ROA

The stock's ROA (0.09%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

4 PBV

The stock's PBV ratio (1.34x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

5 DER

The stock maintains a fair debt to equity ratio (79%), indicating a reasonable balance between the money it owes and the ownership it possesses.

6 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

7 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

8 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

9 Graham Number

The Graham number of this company suggests that its stock price may be overvalued, indicating a less favorable investment opportunity.

10 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

11 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock seems overpriced (-58.924), indicating a potential drawback for investors as its market price exceeds its estimated intrinsic value.

Prudential Financial, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Prudential Financial, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Prudential Financial, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Prudential Financial, Inc. Revenue
Year Revenue Growth
2001 27.177.000.000
2002 26.675.000.000 -1.88%
2003 27.907.000.000 4.41%
2004 28.348.000.000 1.56%
2005 31.708.000.000 10.6%
2006 32.488.000.000 2.4%
2007 34.401.000.000 5.56%
2008 29.275.000.000 -17.51%
2009 32.688.000.000 10.44%
2010 38.414.000.000 14.91%
2011 49.045.000.000 21.68%
2012 84.815.000.000 42.17%
2013 41.461.000.000 -104.57%
2014 54.105.000.000 23.37%
2015 57.119.000.000 5.28%
2016 58.779.000.000 2.82%
2017 59.689.000.000 1.52%
2018 62.992.000.000 5.24%
2019 57.243.000.000 -10.04%
2020 49.834.000.000 -14.87%
2021 61.408.000.000 18.85%
2022 60.050.000.000 -2.26%
2023 33.408.000.000 -79.75%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Prudential Financial, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2001 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Prudential Financial, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2001 0
2002 8.463.000.000 100%
2003 7.602.000.000 -11.33%
2004 7.346.000.000 -3.48%
2005 7.838.000.000 6.28%
2006 8.263.000.000 5.14%
2007 8.841.000.000 6.54%
2008 9.309.000.000 5.03%
2009 8.991.000.000 -3.54%
2010 7.872.000.000 -14.21%
2011 9.815.000.000 19.8%
2012 11.094.000.000 11.53%
2013 11.011.000.000 -0.75%
2014 11.807.000.000 6.74%
2015 10.912.000.000 -8.2%
2016 11.779.000.000 7.36%
2017 11.915.000.000 1.14%
2018 11.949.000.000 0.28%
2019 14.058.000.000 15%
2020 14.256.000.000 1.39%
2021 13.419.000.000 -6.24%
2022 12.585.000.000 -6.63%
2023 12.264.000.000 -2.62%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Prudential Financial, Inc. EBITDA
Year EBITDA Growth
2001 235.000.000
2002 2.407.000.000 90.24%
2003 4.477.000.000 46.24%
2004 3.800.000.000 -17.82%
2005 4.910.000.000 22.61%
2006 5.026.000.000 2.31%
2007 5.221.000.000 3.73%
2008 -878.000.000 694.65%
2009 3.320.000.000 126.45%
2010 4.401.000.000 24.56%
2011 6.719.000.000 34.5%
2012 975.000.000 -589.13%
2013 -1.314.000.000 174.2%
2014 3.669.000.000 135.81%
2015 9.129.000.000 59.81%
2016 7.336.000.000 -24.44%
2017 7.969.000.000 7.94%
2018 6.471.000.000 -23.15%
2019 2.331.000.000 -177.61%
2020 -1.948.000.000 219.66%
2021 6.651.000.000 129.29%
2022 -944.000.000 804.56%
2023 -4.232.000.000 77.69%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Prudential Financial, Inc. Gross Profit
Year Gross Profit Growth
2001 27.177.000.000
2002 26.655.000.000 -1.96%
2003 27.907.000.000 4.49%
2004 28.348.000.000 1.56%
2005 31.708.000.000 10.6%
2006 32.488.000.000 2.4%
2007 34.401.000.000 5.56%
2008 29.275.000.000 -17.51%
2009 32.688.000.000 10.44%
2010 38.414.000.000 14.91%
2011 49.045.000.000 21.68%
2012 84.815.000.000 42.17%
2013 41.461.000.000 -104.57%
2014 54.105.000.000 23.37%
2015 57.119.000.000 5.28%
2016 58.779.000.000 2.82%
2017 59.689.000.000 1.52%
2018 62.992.000.000 5.24%
2019 57.243.000.000 -10.04%
2020 49.834.000.000 -14.87%
2021 61.408.000.000 18.85%
2022 60.050.000.000 -2.26%
2023 33.408.000.000 -79.75%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Prudential Financial, Inc. Net Profit
Year Net Profit Growth
2001 -154.000.000
2002 194.000.000 179.38%
2003 1.264.000.000 84.65%
2004 2.256.000.000 43.97%
2005 3.540.000.000 36.27%
2006 3.428.000.000 -3.27%
2007 3.704.000.000 7.45%
2008 -1.073.000.000 445.2%
2009 3.124.000.000 134.35%
2010 3.195.000.000 2.22%
2011 3.383.000.000 5.56%
2012 469.000.000 -621.32%
2013 -667.000.000 170.31%
2014 1.381.000.000 148.3%
2015 5.642.000.000 75.52%
2016 4.368.000.000 -29.17%
2017 7.863.000.000 44.45%
2018 4.074.000.000 -93%
2019 4.186.000.000 2.68%
2020 -242.000.000 1829.75%
2021 7.724.000.000 103.13%
2022 -1.406.000.000 649.36%
2023 -3.228.000.000 56.44%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Prudential Financial, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2001 0
2002 0 0%
2003 2 100%
2004 3 66.67%
2005 6 50%
2006 7 0%
2007 8 14.29%
2008 -3 450%
2009 8 128.57%
2010 6 -40%
2011 7 28.57%
2012 1 0%
2013 -1 100%
2014 3 133.33%
2015 13 75%
2016 10 -20%
2017 18 44.44%
2018 10 -100%
2019 10 10%
2020 -1 0%
2021 20 100%
2022 -4 733.33%
2023 -9 62.5%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Prudential Financial, Inc. Free Cashflow
Year Free Cashflow Growth
2001 76.000.000
2002 9.981.000.000 99.24%
2003 -596.000.000 1774.66%
2004 8.277.000.000 107.2%
2005 4.042.000.000 -104.77%
2006 4.375.000.000 7.61%
2007 5.966.000.000 26.67%
2008 8.309.000.000 28.2%
2009 3.180.000.000 -161.29%
2010 6.542.000.000 51.39%
2011 10.582.000.000 38.18%
2012 20.909.000.000 49.39%
2013 5.030.000.000 -315.69%
2014 14.355.000.000 64.96%
2015 13.895.000.000 -3.31%
2016 12.967.000.000 -7.16%
2017 11.138.000.000 -16.42%
2018 21.664.000.000 48.59%
2019 15.821.000.000 -36.93%
2020 8.280.000.000 -91.07%
2021 10.548.000.000 21.5%
2022 5.158.000.000 -104.5%
2023 2.840.000.000 -81.62%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Prudential Financial, Inc. Operating Cashflow
Year Operating Cashflow Growth
2001 76.000.000
2002 9.981.000.000 99.24%
2003 -596.000.000 1774.66%
2004 7.119.000.000 108.37%
2005 4.042.000.000 -76.13%
2006 4.375.000.000 7.61%
2007 5.966.000.000 26.67%
2008 10.838.000.000 44.95%
2009 5.840.000.000 -85.58%
2010 6.542.000.000 10.73%
2011 12.377.000.000 47.14%
2012 20.909.000.000 40.81%
2013 8.445.000.000 -147.59%
2014 19.396.000.000 56.46%
2015 13.895.000.000 -39.59%
2016 14.778.000.000 5.98%
2017 13.445.000.000 -9.91%
2018 21.664.000.000 37.94%
2019 19.625.000.000 -10.39%
2020 8.368.000.000 -134.52%
2021 9.812.000.000 14.72%
2022 5.158.000.000 -90.23%
2023 2.840.000.000 -81.62%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Prudential Financial, Inc. Capital Expenditure
Year Capital Expenditure Growth
2001 0
2002 0 0%
2003 0 0%
2004 -1.158.000.000 100%
2005 0 0%
2006 0 0%
2007 0 0%
2008 2.529.000.000 100%
2009 2.660.000.000 4.92%
2010 0 0%
2011 1.795.000.000 100%
2012 0 0%
2013 3.415.000.000 100%
2014 5.041.000.000 32.26%
2015 0 0%
2016 1.811.000.000 100%
2017 2.307.000.000 21.5%
2018 0 0%
2019 3.804.000.000 100%
2020 88.000.000 -4222.73%
2021 -736.000.000 111.96%
2022 0 0%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Prudential Financial, Inc. Equity
Year Equity Growth
2001 20.453.000.000
2002 21.330.000.000 4.11%
2003 21.292.000.000 -0.18%
2004 22.344.000.000 4.71%
2005 22.763.000.000 1.84%
2006 22.892.000.000 0.56%
2007 23.457.000.000 2.41%
2008 13.422.000.000 -74.77%
2009 25.195.000.000 46.73%
2010 32.415.000.000 22.27%
2011 35.650.000.000 9.07%
2012 38.575.000.000 7.58%
2013 35.278.000.000 -9.35%
2014 40.981.000.000 13.92%
2015 41.890.000.000 2.17%
2016 45.863.000.000 8.66%
2017 54.069.000.000 15.18%
2018 49.031.000.000 -10.28%
2019 63.719.000.000 23.05%
2020 68.210.000.000 6.58%
2021 62.608.000.000 -8.95%
2022 17.208.000.000 -263.83%
2023 26.947.000.000 36.14%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Prudential Financial, Inc. Assets
Year Assets Growth
2001 293.030.000.000
2002 292.746.000.000 -0.1%
2003 321.274.000.000 8.88%
2004 401.058.000.000 19.89%
2005 417.776.000.000 4%
2006 454.266.000.000 8.03%
2007 485.814.000.000 6.49%
2008 445.011.000.000 -9.17%
2009 480.203.000.000 7.33%
2010 539.854.000.000 11.05%
2011 555.071.000.000 2.74%
2012 709.298.000.000 21.74%
2013 731.781.000.000 3.07%
2014 695.764.000.000 -5.18%
2015 757.388.000.000 8.14%
2016 783.962.000.000 3.39%
2017 831.921.000.000 5.76%
2018 815.078.000.000 -2.07%
2019 896.552.000.000 9.09%
2020 940.722.000.000 4.7%
2021 937.582.000.000 -0.33%
2022 689.917.000.000 -35.9%
2023 681.254.000.000 -1.27%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Prudential Financial, Inc. Liabilities
Year Liabilities Growth
2001 272.577.000.000
2002 270.726.000.000 -0.68%
2003 299.982.000.000 9.75%
2004 378.714.000.000 20.79%
2005 395.013.000.000 4.13%
2006 431.374.000.000 8.43%
2007 462.357.000.000 6.7%
2008 431.589.000.000 -7.13%
2009 454.474.000.000 5.04%
2010 506.926.000.000 10.35%
2011 518.833.000.000 2.29%
2012 670.007.000.000 22.56%
2013 695.900.000.000 3.72%
2014 654.204.000.000 -6.37%
2015 715.465.000.000 8.56%
2016 737.874.000.000 3.04%
2017 777.577.000.000 5.11%
2018 766.047.000.000 -1.51%
2019 832.833.000.000 8.02%
2020 872.512.000.000 4.55%
2021 874.974.000.000 0.28%
2022 672.709.000.000 -30.07%
2023 654.307.000.000 -2.81%

Prudential Financial, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
139.62
Net Income per Share
1.7
Price to Earning Ratio
60.65x
Price To Sales Ratio
0.74x
POCF Ratio
7.82
PFCF Ratio
7.79
Price to Book Ratio
1.45
EV to Sales
0.8
EV Over EBITDA
20.89
EV to Operating CashFlow
8.5
EV to FreeCashFlow
8.5
Earnings Yield
0.02
FreeCashFlow Yield
0.13
Market Cap
37,26 Bil.
Enterprise Value
40,65 Bil.
Graham Number
52.21
Graham NetNet
-927.18

Income Statement Metrics

Net Income per Share
1.7
Income Quality
7.64
ROE
0.02
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.81
EBT Per Ebit
1.82
Ebit per Revenue
0.03
Effective Tax Rate
0.2

Margins

Sales, General, & Administrative to Revenue
0.25
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.03
Pretax Profit Margin
0.06
Net Profit Margin
0.05

Dividends

Dividend Yield
0.05
Dividend Yield %
4.84
Payout Ratio
2.98
Dividend Per Share
5

Operating Metrics

Operating Cashflow per Share
13.2
Free CashFlow per Share
13.2
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.03
Return on Tangible Assets
0
Days Sales Outstanding
7.99
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
45.69
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
875,02
Book Value per Share
71,19
Tangible Book Value per Share
72.9
Shareholders Equity per Share
71.19
Interest Debt per Share
60.74
Debt to Equity
0.79
Debt to Assets
0.03
Net Debt to EBITDA
1.74
Current Ratio
3.52
Tangible Asset Value
26,43 Bil.
Net Current Asset Value
-648,24 Bil.
Invested Capital
0.79
Working Capital
4,34 Bil.
Intangibles to Total Assets
0
Average Receivables
0,96 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.54

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Prudential Financial, Inc. Dividends
Year Dividends Growth
2002 0
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 100%
2008 1 0%
2009 1 0%
2010 1 100%
2011 1 0%
2012 2 0%
2013 2 0%
2014 2 50%
2015 2 0%
2016 3 0%
2017 3 33.33%
2018 4 0%
2019 4 25%
2020 4 0%
2021 5 0%
2022 5 0%
2023 4 -33.33%

Prudential Financial, Inc. Profile

About Prudential Financial, Inc.

Prudential Financial, Inc., together with its subsidiaries, provides insurance, investment management, and other financial products and services in the United States and internationally. It operates through eight segments: PGIM, Retirement, Group Insurance, Individual Annuities, Individual Life, Assurance IQ, International Businesses, and Closed Block. The company 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 general account. It also provides a range of retirement investment, and income products and services to retirement plan sponsors in the public, private, and not-for-profit sectors; and group life, long-term and short-term group disability, and group corporate-, bank-, and trust-owned life insurance in the United States, primarily to institutional clients for use in connection with employee and membership benefits plans, as well as sells accidental death and dismemberment, and other supplemental health solutions; and provides plan administration services in connection with its insurance coverages. In addition, the company develops and distributes individual variable and fixed annuity products, principally to the mass affluent and affluent markets; and individual variable, term, and universal life insurance products to the mass middle, mass affluent, and affluent markets in the United States. Further, it provides third-party life, health, Medicare, property and casualty, and term life products to retail shoppers through its digital and independent agent channels. The company offers its products and services to individual and institutional customers through its proprietary and third-party distribution networks. Prudential Financial, Inc. was founded in 1875 and is headquartered in Newark, New Jersey.

CEO
Mr. Charles Frederick Lowrey J
Employee
40.366
Address
751 Broad Street
Newark, 07102

Prudential Financial, Inc. Executives & BODs

Prudential Financial, Inc. Executives & BODs
# Name Age
1 Ms. Yanela del Carmen Frias
Executive Vice President & Chief Financial Officer
70
2 Mr. Charles Frederick Lowrey Jr.
Chairman, Chief Executive Officer & President
70
3 Ms. Ann Mary Kappler
Executive Vice President, General Counsel & Chief Compliance Officer
70
4 Mr. Todd Shriber
Vice President of Life Distribution and Sales
70
5 Mr. Andrew Francis Sullivan
Executive Vice President and Head of International Businesses & PGIM
70
6 Mr. Robert Michael Falzon CFA
Executive Vice Chairman
70
7 Mr. Timothy Lee Schmidt
Senior Vice President & Chief Investment Officer
70
8 Mr. Robert Douglas Axel
Senior Vice President, Controller & Principal Accounting Officer
70
9 Ms. Stacey Goodman
Chief Information Officer & Executive Vice President
70
10 Mr. Darin C. Arita
Senior Vice President and Head of Investor Relations
70

Prudential Financial, Inc. Competitors