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Prudential Financial Inc (PRU)

合理估值
Financial ServicesInsurance - LifeUnited States

基本面

62

价格

$112.41

市值

$40.05B

第一部分 · 这家公司值多少

概览

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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Direct competitors

Who this company fights with for the same customers

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资产负债表与流动性

营收

$64.77B

最近12个月(截至2026/6/30)

净利润

$3.92B

最近12个月(截至2026/6/30)

自由现金流

-

股东权益合计

$32.44B

负债合计

$738.16B

流动比率

-

利息覆盖率

-

债务/EBITDA

3.96

每股收益

营收与净利润

自由现金流

收入构成

历史财务表

利润率变化

债务变化

债务负担有多重

增长一览表

增长 — 营业收入

公允价值估算

保险合理估值

公允价值

$124.31

当前价格

$112.41

安全边际

+9.6%

公允价值区间

$100.53 - $148.09

所用估值方法之间的离散区间,并非经过统计校准的置信区间。

估算方法

分析师目标价:$113.40
现金流折现法(DCF):不适用于此类公司
市盈率法(P/E):$87.28
格雷厄姆成长公式:不适用于此类公司
盈利能力价值(EPV):不适用于此类公司
合理市净率(P/B):$148.48
股息折现模型(戈登模型):$110.21
P/FFO(运营资金):不适用于此类公司
周期中段收益:不适用于此类公司
市销率法(P/S):不适用于此类公司
分析师共识:持有 (0B / 17H / 9S)
最近财报超预期:+14.46%

估值指标

市盈率(P/E)

10.26

ROE

11.0%

市净率(P/B)

1.24

P/FCF

-

毛利率

-

ROIC

-

盈利能力雷达图

价值创造(经济护城河)

ROIC

-

WACC

6.1%

ROIC − WACC

-

基本面分析标准

通过(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

未通过(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

不可用(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)

Piotroski F-评分

6/9

信号混杂:部分领域需关注

score
criteria

盈利质量

2.80

高质量:盈利有现金流支撑

股权稀释

-1.6%

正在回购股份,对股东友好

机构持股

公司治理

管理团队

姓名职位年龄
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

审计风险

2

董事会风险

4

薪酬风险

4

股东权利风险

1

第二部分 · 价格与买入时机

这一部分不判断公司是否值得拥有:它帮助你在基本面说服你之后,选择何时买入。包含:技术分析、潜力、历史回撤、Gamma 敞口。

文件

  • 年度报告(10-K)

    对公司业务、财务业绩和风险的年度概述。

    提交日期:2026-02-12

    查看文件
  • 季度报告(10-Q)

    最近三个月财务表现的最新情况。

    提交日期:2026-08-05

    查看文件
  • 临时报告(8-K)

    关于重大事件(如管理层变动或重要公告)的通知。

    提交日期:2026-08-04

    查看文件

via SEC EDGAR

损益历史

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