Morningstar

Prudential Financial Inc PRU

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Stock XNYS Rating as of
$120.81 +0.27 (0.22%)
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As of Delayed Price Closed

Company Report

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Prudential Should Continue to Benefit From Higher Rates; Maintaining Our $108 Fair Value Estimate

Suryansh Sharma

Prudential Financial provides a variety of financial services products, including life insurance, annuities, retirement plan services, and investment management products in various countries. The investment management business has achieved adequate scale and is a source of stable earnings, strong operating margins, and maintained cash flows for the company.

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Price vs Fair Value

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PRU is trading at a 770% premium.
Price
$120.81
Fair Value
$541.00
Uncertainty
Medium
1-Star Price
$169.30
5-Star Price
$97.80
Economic Moat
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Capital Allocation
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Bulls Say, Bears Say

Bulls

The company will be a net beneficiary of higher interest rates as it can reinvest its maturing fixed-income securities at a higher yield.

Bears

Prudential offers a wide range of complex insurance products that expose it to underwriting, investment, capital market, and interest-rate risks thereby making it difficult to predict the company’s overall risk exposure, especially during periods of economic turbulence.

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News

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Trading Information

Previous Close Price
$120.54
Day Range
$120.25–121.83
52-Week Range
$87.95–128.53
Bid/Ask
$118.76 / $124.07
Market Cap
$43.13 Bil
Volume/Avg
893,288 / 1.5 Mil

Key Statistics

Price/Earnings (Normalized)
9.64
Price/Sales
0.70
Dividend Yield (Trailing)
4.26%
Dividend Yield (Forward)
4.30%
Total Yield
6.58%

Company Profile

Prudential Financial is a large, diversified insurance company offering annuities, life insurance, retirement plan services, and asset management products. While it operates in a number of countries, the vast majority of revenue is generated in the United States and Japan. The company’s investment management business, PGIM, contributes approximately 10% of its earnings and has around $1.3 trillion in assets under management. The US businesses are responsible for about 50% of earnings and can be classified into Institutional Retirement Strategies, Individual Retirement Strategies, Group Insurance, Individual Life Insurance, and Assurance IQ. Finally, the international business segment of the company contributes approximately 40% of earnings with a strong market position in Japan.
Sector
Financial Services
Industry
Insurance - Life
Stock Style Box
Mid Value
Total Number of Employees
40,658
Website
https://www.investor.prudential.com

Competitors

Valuation

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Metric
PRU
SLF
MET
Price/Earnings (Normalized)
 9.6412.0710.32
Price/Book Value
 1.541.912.13
Price/Sales
 0.701.190.89
Price/Cash Flow
 5.2729.864.19
Price/Earnings
PRU
SLF
MET

Financial Strength

Metric
PRU
SLF
MET
Quick Ratio
 ———
Current Ratio
 ———
Interest Coverage
 —8.124.53
Quick Ratio
No chart available

Profitability

Metric
PRU
SLF
MET
Return on Assets (Normalized)
 0.65%1.15%0.87%
Return on Equity (Normalized)
 16.69%16.42%20.77%
Return on Invested Capital (Normalized)
 7.34%12.67%4.43%
Return on Assets
PRU
SLF
MET

Insurance - Life Industry Comparables

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Capital Allocation
Economic Moat
Market Cap
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CjyrrymxZffdwtg$61.9 Bil
 MetLife Inc
MET
VgllzzwGkdz$57.8 Bil
 Manulife Financial Corp
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KnstxvvXdnn$52.4 Bil
 Prudential PLC ADR
PUK
BszzckyqtCpvtv$25.3 Bil

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