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Prudential Financial Inc (PRU)

Juste valeur
Financial ServicesInsurance - LifeUnited States

Fondamental

62

Prix

$112.66

Capitalisation boursière

$40.05B

Partie 1 · Ce que vaut l'entreprise

Vue d'ensemble

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.

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Bilan & Liquidités

Chiffre d'affaires

$64.77B

12 derniers mois (au 30/06/2026)

Résultat net

$3.92B

12 derniers mois (au 30/06/2026)

Flux de trésorerie libre

-

Capitaux propres totaux

$32.44B

Passif total

$738.16B

Ratio de liquidité général

-

Couverture des intérêts

-

Dette/EBITDA

3.96

Bénéfice par action

Chiffre d'affaires & Résultat net

Flux de trésorerie libre

Décomposition du résultat

État historique

Marges dans le temps

La dette dans le temps

Le poids de la dette

Grille de la croissance

Croissance — Chiffre d'affaires

Estimation de la juste valeur

AssuranceJustement valorisé

Juste valeur

$124.38

Prix actuel

$112.66

Marge de sécurité

+9.4%

Fourchette de juste valeur

$100.71 - $148.05

Écart entre les méthodes de valorisation utilisées, pas un intervalle de confiance calibré statistiquement.

Méthodes d'estimation

Objectif de cours des analystes:$113.40
Flux de trésorerie actualisés (DCF):Non applicable à ce type d'entreprise
Multiple de résultat (P/E):$87.68
Formule de croissance de Graham:Non applicable à ce type d'entreprise
Valeur de la capacité bénéficiaire (EPV):Non applicable à ce type d'entreprise
P/B justifié:$148.48
Actualisation des dividendes (Gordon):$110.21
P/FFO, les fonds provenant de l'exploitation:Non applicable à ce type d'entreprise
Bénéfices de milieu de cycle:Non applicable à ce type d'entreprise
Multiple sur le chiffre d'affaires:Non applicable à ce type d'entreprise
Consensus des analystes:Conserver (0B / 17H / 9S)
Dernière surprise sur les résultats:+14.46%

Indicateurs de valorisation

Ratio P/E

10.30

ROE

11.0%

Ratio P/B

1.24

P/FCF

-

Marge brute

-

ROIC

-

Radar de rentabilité

Création de valeur (avantage concurrentiel)

ROIC

-

WACC

6.1%

ROIC − WACC

-

Critères d'analyse fondamentale

Réussi (11)

  • EPS shows upward trend
  • P/B Ratio 1.24
  • Debt/EBITDA
  • Low reliance on intangibles
  • Price below Graham Number
  • ROE 12.2%
  • Earnings Surprise avg 10.2%
  • Earnings Quality (OCF/NI) 2.80
  • Share Dilution -1.6%
  • Net Margin Trend 6.0% vs 2.8%
  • Piotroski F-Score 6/9

Échoué (7)

  • EPS CAGR 1.92%
  • Price CAGR 1.37%
  • Debt/Equity ratio
  • Return on Tangible Assets
  • DCF valuation (Unknown)
  • Revenue Growth 5Y 1.4%
  • Analyst Consensus 0% Buy

Indisponible (10)

  • ROIC NaN%
  • Gross Margin NaN%
  • P/FCF NaN
  • Dividend Payout NaN%
  • Operating Margin NaN%
  • Positive Free Cash Flow
  • CapEx intensity
  • Current Ratio
  • Interest Coverage
  • PEG Ratio (need PE > 0 and growth > 0)

Score F de Piotroski

6/9

Signaux mixtes : certains domaines nécessitent attention

score
criteria

Qualité des bénéfices

2.80

Qualité élevée : bénéfices soutenus par la trésorerie

Dilution du capital

-1.6%

Rachat d'actions. Favorable aux actionnaires

Participations institutionnelles

Gouvernance

Équipe dirigeante

NomTitreÂge
Mr. Andrew Francis SullivanChairman, CEO & President54
Ms. Yanela del Carmen FriasExecutive VP & CFO53
Mr. Scott E. CaseExecutive VP & Head of Global Technology and Operations54
Mr. Jacques Philppe ChappuisPresident & CEO of PGIM Inc.55
Mr. Matthew J. ArmasSenior VP & Chief Investment Officer-
Mr. Robert Edwin BoyleSenior VP, Controller & Principal Accounting Officer59
Ms. Tina MadonGlobal Head of Investor Relations-
Ms. Ann Mary KapplerExecutive VP, General Counsel & Head of Corporate Affairs67
Mr. Todd ShriberVice President of Life Distribution and Sales-
Ms. Vicki A. WaliaExecutive VP & Chief People and Experience Officer44

Risque d'audit

2

Risque du conseil

4

Risque de rémunération

4

Risque droits des actionnaires

1

Partie 2 · Le prix et le moment d'entrer

Cette partie ne dit pas si l'entreprise vaut la peine : elle aide à choisir quand l'acheter, une fois que les fondamentaux vous ont convaincu. À l'intérieur : analyse technique, potentiel, baisses historiques, exposition gamma.

Documents

  • Rapport annuel (10-K)

    Un aperçu annuel de l'activité, des résultats financiers et des risques de l'entreprise.

    Déposé le 2026-02-12

    Voir le document
  • Rapport trimestriel (10-Q)

    Une mise à jour de la performance financière des trois derniers mois.

    Déposé le 2026-08-05

    Voir le document
  • Rapport d'événement important (8-K)

    Un avis concernant un événement important, comme un changement de direction ou une annonce majeure.

    Déposé le 2026-08-04

    Voir le document

via SEC EDGAR

Historique des résultats

via SEC EDGAR

Latest News

Recent headlines for PRU, sourced from Markets Gazette.

  • 8/4/2026POSITIVE
    Prudential Tops Estimates as Revenue From Asset Manager Soars

    Prudential Financial Inc. announced second-quarter earnings that surpassed Wall Street expectations, driven by a significant surge in revenue from its asset management division. While specific figures were not detailed in the initial report, the strong performance in asset management indicates robust growth in fee-based income and successful strategies in navigating market conditions. This outperformance is a positive signal for investors, suggesting effective capital deployment and a strong competitive position within the financial services sector, potentially leading to increased shareholder value.

  • 8/3/2026POSITIVE
    Flint: Prudential To Focus On Under-Insured Asia, Africa

    Prudential PLC, under the guidance of Chairman Douglas Flint, is strategically pivoting its growth focus towards the under-insured markets in Asia and Africa. This targeted approach aims to capitalize on significant unmet demand for insurance products in these rapidly developing regions. By concentrating on these emerging markets, Prudential seeks to unlock new revenue streams and expand its customer base, potentially leading to substantial long-term value creation for shareholders. Investors may view this strategic shift positively, anticipating accelerated growth and market share gains in underserved territories.

  • 5/27/2026POSITIVE
    PGIM Backs $4B of US Land-Bank Deals in Asset-Based Push

    Prudential Financial's asset management arm, PGIM, has committed approximately $4 billion to land-banking projects through a strategic partnership with Domain Real Estate Partners. This significant investment signals a concerted effort by PGIM to increase its exposure to the US homebuilding sector, a market often seen as a bellwether for economic activity. The land-banking strategy aims to secure future development opportunities, potentially yielding substantial returns as housing demand continues to evolve. Investors may view this move as a positive indicator of PGIM's confidence in the long-term prospects of the US real estate and construction industries.

  • 5/26/2026POSITIVE
    PGIM Backs $4 Billion of US Land-Bank Deals in Asset-Based Push

    Prudential Financial's asset management arm, PGIM, has committed approximately $4 billion to land-banking projects via a partnership with Domain Real Estate Partners. This strategic move aims to secure exposure to the burgeoning US homebuilding sector. The significant capital allocation signals PGIM's confidence in the long-term growth prospects of the US real estate market, particularly in land acquisition for future development. Investors may view this as a positive indicator for Prudential's diversified asset management strategy and its ability to identify and capitalize on key industry trends.

  • 5/5/2026POSITIVE
    Prudential Profit Rises Even as Firm Grapples With Japan Pause

    Prudential Financial Inc. reported first-quarter profits that surpassed Wall Street's expectations, offering a positive development for CEO Andy Sullivan. The company's performance comes despite a recent sales pause implemented in Japan, one of its key operational regions. This earnings beat suggests underlying strength in Prudential's core business segments and its ability to navigate market challenges effectively. Investors will be watching closely to see if this positive momentum can be sustained and if the company can successfully resolve the issues impacting its Japanese operations.

  • 5/5/2026NEUTRAL
    Prudential CEO Plans Strategic Update With Japan Sales Paused

    Prudential Financial Inc. CEO Andy Sullivan is set to deliver a strategic update later this year. This comes as the company faces a temporary pause in sales operations within Japan, a key market for its business. The update is anticipated to shed light on the company's future direction and how it plans to navigate challenges in its international operations, particularly in Japan. Investors will be looking for clarity on the duration of the sales pause and the strategic adjustments Prudential intends to make to mitigate its impact and ensure continued growth.

via Markets Gazette