Prudential Financial, Inc. 5.95 (PRH) 10-Year Financial Performance & Capital Metrics

PRH • • Insurance & Managed Care

Financial ServicesLife InsuranceDiversified Life & Health InsurersGlobal Diversified Insurers

AboutPrudential Financial, Inc. engages in the provision of insurance, investment management, and other financial products and services to both individual and institutional customers. It operates through the following segments: PGIM, U.S. Businesses, International Businesses, Closed Block, and Corporate and Others. The PGIM segment provides 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 globally, as well as the Company’s general account. The U.S. Businesses segment offers a range of products and solutions that cover protection, retirement, savings, income and investment needs. The U.S. Businesses are organized into five segments: Retirement, Group Insurance, Individual Annuities, Individual Life and Assurance IQ. The Retirement segment provides retirement investment and income products and services to retirement plan sponsors in the public, private, and not-for-profit sectors. The Group Insurance segment provides group life, long-term and short-term group disability, and group corporate bank, and trust-owned life insurance in the U.S., primarily to institutional clients for use in connection with employee plans and affinity groups. The Individual Annuities segment develops and distributes individual variable and fixed annuity products, primarily to the U.S. mass affluent and affluent markets. The Individual Life segment develops and distributes individual variable life, term life and universal life insurance products primarily to the U.S. mass middle, mass affluent and affluent markets. The Assurance IQ segment leverages data science and technology to primarily distribute third-party products and a proprietary term life product directly to retail shoppers, primarily through its digital and agent channels. The International Businesses segment develops and distributes life insurance, retirement, and related products to the mass affluent and affluent markets in Japan, Korea, and other foreign countries through its Life Planner operations. The Closed Block segment includes certain in force participating insurance and annuity products and corresponding assets that are used for the payment of benefits, expenses and policyholders’ dividends related to these products. The Corporate and Other Operations segment include corporate items and initiatives that are not allocated to business segments. The company was founded by John Fairfield Dryden in 1875 and is headquartered in Newark, NJ.Show more

Revenue $70.41B +30.4%
Combined Ratio 18.95% -20.8%
Net Income $2.73B +9.6%
Return on Equity 9.1% +12.9%
Medical Cost Ratio 0%
Operating Margin 81.05% +6.6%
Net Margin 3.87% -16.0%
ROA 0.37% +6.1%
Equity / Assets 4.1% -0.9%
Book Value per Share 83.85 +2.6%
Tangible BV/Share 21.66 +7.8%
Debt/Equity 0.96 +4.4%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓12 consecutive years of dividend growth
✓Trading near 52-week high
✓Trading at only 0.3x book value

✗Weaknesses

✗Weak 3Y average ROE of 4.2%

Price & Volume

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Growth Metrics

Revenue CAGR

10Y1.77%

5Y1.67%

3Y-0.37%

TTM-23.65%

Profit (Net Income) CAGR

10Y7.24%

5Y-8.21%

3Y-32.5%

TTM-36.26%

EPS CAGR

10Y10.05%

5Y-5.72%

3Y-27.19%

TTM-35.26%

ROCE

10Y Avg2.95%

5Y Avg3.93%

3Y Avg4.61%

Latest8%

Peer Comparison

Global Diversified Insurers

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
PUKPrudential plc	40.3B	31.88	18.98	-32.01%	15.46%	21.22%	8.7%	0.25
PRUPrudential Financial, Inc.	40.74B	116.43	15.52	30.24%	4.51%	7.51%	20.87%	0.72
MFCManulife Financial Corporation	63.06B	37.60	13.24	-3.57%	8.24%	11.14%	42.01%	0.27
METMetLife, Inc.	51.33B	77.90	13.11	3.29%	5.43%	13.16%	29.45%	0.68
PRHPrudential Financial, Inc. 5.95		25.10	3.33	30.43%	4.69%	7.51%		0.96
PRSPrudential Financial, Inc. 5.62		24.30	3.24	30.43%	4.69%	7.51%		0.96

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Revenue+	57.12B	58.78B	59.69B	62.99B	64.81B	57.09B	71.18B	54.58B	53.98B	70.41B
Revenue Growth %	-0.03%	0.03%	0.02%	0.06%	0.03%	-0.12%	0.25%	-0.23%	-0.01%	0.3%
Medical Costs & Claims+	0	0	0	0	0	0	0	0	0	0
Medical Cost Ratio %	-	-	-	-	-	-	-	-	-	-
Gross Profit+	57.12B	58.78B	59.69B	62.99B	64.81B	57.09B	71.18B	54.58B	53.98B	70.41B
Gross Margin %	-	-	-	-	-	-	-	-	-	-
Gross Profit Growth %	-0.03%	0.03%	0.02%	0.06%	0.03%	-0.12%	0.25%	-0.23%	-0.01%	0.3%
Operating Expenses+	13.03B	13.66B	13.49B	14.22B	13.39B	13.91B	13.61B	12.57B	12.92B	13.34B
OpEx / Revenue %	-	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	113M	318M	222M	161M	0	0	204M	117M	-70M	0
Combined Ratio %	-	-	-	-	-	-	-	-	-	-
Operating Income+	9.03B	7.18B	6.6B	4.83B	51.42B	43.19B	10.44B	-989M	41.06B	57.06B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.34%	-0.2%	-0.08%	-0.27%	9.63%	-0.16%	-0.76%	-1.09%	42.51%	0.39%
EBITDA+	9.14B	7.5B	6.83B	5B	51.42B	43.19B	10.64B	-872M	40.99B	57.06B
EBITDA Margin %	-	-	-	-	-	-	-	-	-	-
Interest Expense	0	0	0	0	0	0	364M	708M	0	0
Non-Operating Income	0	0	0	0	51.42B	43.19B	1.06B	903M	37.99B	57.06B
Pretax Income+	7.77B	5.71B	6.49B	4.83B	5.18B	-227M	9.47B	-1.95B	3.12B	3.35B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	2.07B	1.33B	-1.44B	822M	947M	-81M	1.67B	-279M	613M	507M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	5.64B	4.32B	7.77B	4.03B	4.19B	-374M	8.87B	-2.15B	2.49B	2.73B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	3.16%	-0.23%	0.8%	-0.48%	0.04%	-1.09%	24.71%	-1.24%	2.16%	0.1%
EPS (Diluted)+	12.25	9.67	17.82	9.45	10.11	-1.00	19.51	-4.49	6.74	7.53
EPS Growth %	3.24%	-0.21%	0.84%	-0.47%	0.07%	-1.1%	20.51%	-1.23%	2.5%	0.12%
EPS (Basic)	12.49	9.85	18.19	9.64	10.23	-1.00	19.65	-4.49	6.76	7.57
Diluted Shares Outstanding	460.4M	446.6M	436M	426.2M	410.9M	395.8M	390.1M	372.3M	364.6M	359.3M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Assets+	757.25B	783.96B	832.14B	815.08B	896.55B	940.72B	937.58B	689.03B	721.12B	735.59B
Asset Growth %	-0.01%	0.04%	0.06%	-0.02%	0.1%	0.05%	-0%	-0.27%	0.05%	0.02%
Total Investment Assets+	16.64B	25.43B	18.5B	27.89B	31.53B	16.1B	35.13B	24.07B	21.06B	474M
Long-Term Investments	8.53B	8.09B	11.7B	12.06B	13.22B	16.1B	20.04B	19.48B	21.06B	0
Short-Term Investments	8.11B	17.35B	6.8B	15.83B	18.31B	0	15.09B	4.59B	0	474M
Total Current Assets+	28.96B	34.73B	24.66B	34.64B	38.12B	37.07B	30.88B	24.9B	19.42B	8.28B
Cash & Equivalents	17.75B	14.18B	14.54B	15.49B	16.47B	13.86B	12.93B	17.3B	19.42B	18.5B
Receivables	0	0	0	0	0	0	0	0	0	0
Other Current Assets	0	34.73B	24.66B	34.64B	21.79B	23.37B	17.99B	7.65B	0	0
Goodwill & Intangibles+	20.67B	21.12B	21.77B	23.12B	24.64B	23.75B	20.77B	22.04B	22.46B	22.34B
Goodwill	824M	833M	843M	863M	3.01B	3.04B	1.8B	876M	1.07B	1.05B
Intangible Assets	19.85B	20.29B	20.93B	22.26B	21.62B	20.71B	18.96B	21.17B	21.39B	21.29B
PP&E (Net)	0	0	0	0	554M	466M	395M	340M	404M	0
Other Assets	699.09B	720.03B	774.01B	745.25B	44.48B	45.5B	185.91B	618.05B	630.38B	713.25B
Total Liabilities	715.33B	737.87B	777.63B	766.05B	832.83B	872.51B	874.97B	657.11B	691.34B	705.46B
Total Debt+	37.29B	28.93B	28.47B	30.73B	32.13B	32.35B	30.23B	28.02B	27.24B	28.77B
Net Debt	19.54B	14.75B	13.93B	15.24B	15.65B	18.5B	17.3B	10.72B	837M	2.12B
Long-Term Debt	28.19B	20.19B	18.69B	18.33B	19.92B	20.02B	18.9B	20.28B	20.26B	20.62B
Short-Term Debt	9.1B	8.74B	9.78B	12.4B	11.77B	11.97B	11.04B	7.48B	6.78B	7.84B
Total Current Liabilities+	21.31B	23.48B	23.78B	24.27B	27.36B	0	24.8B	13.58B	13.26B	17.46B
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Deferred Revenue	0	0	0	0	0	0	0	0	0	0
Other Current Liabilities	-17.81B	-19.15B	-19.43B	-20.34B	4.21B	-24B	4.25B	5.82B	6.48B	9.62B
Deferred Taxes	0	0	0	0	0	0	0	0	0	0
Other Liabilities	687.14B	717.68B	758.93B	747.71B	0	0	855.77B	636.46B	670.88B	684.84B
Total Equity+	41.92B	46.09B	54.51B	49.03B	63.72B	68.21B	62.61B	31.92B	29.79B	30.13B
Equity Growth %	-0.01%	0.1%	0.18%	-0.1%	0.3%	0.07%	-0.08%	-0.49%	-0.07%	0.01%
Shareholders Equity	41.89B	45.86B	54.24B	48.62B	63.12B	67.42B	61.88B	30.59B	27.82B	27.87B
Minority Interest	33M	225M	275M	414M	604M	785M	732M	1.33B	1.97B	2.25B
Retained Earnings	18.93B	21.95B	28.67B	30.47B	32.99B	30.75B	36.65B	31.71B	32.35B	33.19B
Common Stock	6M	6M	6M	6M	6M	6M	6M	6M	6M	6M
Accumulated OCI	10.67B	14.62B	17.07B	10.91B	24.04B	30.74B	21.32B	-3.81B	-6.5B	-6.71B
Return on Equity (ROE)	0.13%	0.1%	0.15%	0.08%	0.07%	-0.01%	0.14%	-0.05%	0.08%	0.09%
Return on Assets (ROA)	0.01%	0.01%	0.01%	0%	0%	-0%	0.01%	-0%	0%	0%
Equity / Assets	-	-	-	-	-	-	-	-	-	-
Debt / Equity	0.89x	0.63x	0.52x	0.63x	0.50x	0.47x	0.48x	0.88x	0.91x	0.96x
Book Value per Share	91.06	103.20	125.03	115.04	155.07	172.33	160.49	85.73	81.70	83.85
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	13.64B	14.84B	13.46B	21.66B	19.63B	8.37B	9.81B	5.16B	6.51B	8.5B
Operating CF Growth %	-0.3%	0.09%	-0.09%	0.61%	-0.09%	-0.57%	0.17%	-0.47%	0.26%	0.31%
Operating CF / Revenue %	-	-	-	-	-	-	-	-	-	-
Net Income	5.64B	4.37B	7.86B	4.07B	4.19B	-374M	8.87B	-1.65B	2.49B	2.73B
Depreciation & Amortization	113M	318M	222M	161M	460M	457M	206M	117M	-70M	383M
Stock-Based Compensation	164M	202M	263M	155M	231M	242M	284M	220M	257M	314M
Deferred Taxes	0	0	0	0	0	0	0	0	0	0
Other Non-Cash Items	-782M	144M	-1.19B	-258M	1.23B	4.59B	-3.01B	5.07B	4.35B	5.34B
Working Capital Changes	8.8B	9.84B	6.3B	17.53B	13.51B	3.45B	3.46B	1.4B	-516M	-266M
Cash from Investing+	-7.75B	-21.55B	-11.96B	-21.63B	-17.03B	-16.21B	-5.34B	-7.64B	-12.12B	-28.59B
Capital Expenditures	0	0	0	0	0	0	0	0	0	0
Acquisitions	0	-532M	-64M	0	-1.75B	0	0	0	0	0
Purchase of Investments	0	0	0	0	0	0	0	0	0	0
Sale/Maturity of Investments	0	0	0	0	0	0	0	0	0	0
Other Investing	-7.75B	-21.16B	-11.89B	-21.63B	-15.27B	-16.21B	-5.34B	-7.64B	-12.12B	-28.59B
Cash from Financing+	-3.52B	3.24B	-1.26B	781M	-1.63B	4.88B	-3.01B	4.93B	7.74B	19.39B
Dividends Paid	-1.12B	-1.3B	-1.3B	-1.52B	-1.64B	-1.77B	-1.81B	-1.82B	-1.85B	-1.89B
Share Repurchases	-1.66B	-2.12B	-1.25B	-1.5B	-2.5B	-500M	-2.5B	-1.49B	-1.01B	-1B
Stock Issued	0	0	0	0	0	0	0	0	0	0
Debt Issuance (Net)	1000K	-1000K	-1000K	1000K	1000K	1000K	-1000K	1000K	-1000K	1000K
Other Financing	-999M	6.63B	1.89B	2.68B	610M	6.9B	2.74B	6.58B	10.84B	20.86B
Net Change in Cash+	2.69B	-3.43B	355M	959M	979M	-2.62B	-921M	4.37B	2.16B	-943M
Exchange Rate Effect	1000K	1000K	1000K	1000K	1000K	1000K	-1000K	1000K	1000K	-1000K
Cash at Beginning	14.92B	17.61B	14.18B	14.54B	15.49B	16.47B	13.86B	12.93B	17.3B	19.46B
Cash at End	17.61B	14.18B	14.54B	15.49B	16.47B	13.86B	12.93B	17.3B	19.46B	18.52B
Free Cash Flow+	13.64B	14.84B	13.46B	21.66B	19.63B	8.37B	9.81B	5.16B	6.51B	8.5B
FCF Growth %	-0.3%	0.09%	-0.09%	0.61%	-0.09%	-0.57%	0.17%	-0.47%	0.26%	0.31%
FCF Margin %	-	-	-	-	-	-	-	-	-	-
FCF per Share	29.62	33.22	30.87	50.83	47.76	21.14	25.15	13.85	17.86	23.66

Key Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Combined Ratio	22.82%	23.23%	22.61%	22.58%	20.66%	24.36%	19.12%	23.03%	23.94%	18.95%
Medical Cost Ratio	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
Return on Equity (ROE)	13.39%	9.81%	15.44%	7.78%	7.43%	-0.57%	13.56%	-4.54%	8.06%	9.1%
Return on Assets (ROA)	0.74%	0.56%	0.96%	0.49%	0.49%	-0.04%	0.94%	-0.26%	0.35%	0.37%
Equity / Assets	5.54%	5.88%	6.55%	6.02%	7.11%	7.25%	6.68%	4.63%	4.13%	4.1%
Book Value / Share	91.06	103.2	125.03	115.04	155.07	172.33	160.49	85.73	81.7	83.85
Debt / Equity	0.89x	0.63x	0.52x	0.63x	0.50x	0.47x	0.48x	0.88x	0.91x	0.96x
Revenue Growth	-3.29%	2.91%	1.55%	5.53%	2.88%	-11.91%	24.69%	-23.32%	-1.11%	30.43%

Revenue by Segment

	2022	2023	2024
Retirement	24.75B	7.71B	33.32B
Retirement Growth	-	-68.85%	332.17%
International Businesses	-	-	17.93B
International Businesses Growth	-	-	-
Group Insurance	6.12B	5.7B	6.43B
Group Insurance Growth	-	-6.92%	12.77%
Individual Life	7.07B	3.18B	6.2B
Individual Life Growth	-	-55.05%	94.81%
Life Planner	-	7B	-
Life Planner Growth	-	-	-
Gibraltar Life and Other	-	6.23B	-
Gibraltar Life and Other Growth	-	-	-
International Insurance	20.07B	-	-
International Insurance Growth	-	-	-

Revenue by Geography

	2022	2023	2024
UNITED STATES	38.85B	31.03B	48.57B
UNITED STATES Growth	-	-20.12%	56.51%
JAPAN	15.68B	15.54B	13.76B
JAPAN Growth	-	-0.92%	-11.44%
Non-US	5.52B	7.41B	8.08B
Non-US Growth	-	34.26%	9.00%

Frequently Asked Questions

Valuation & Price

Prudential Financial, Inc. 5.95 (PRH) has a price-to-earnings (P/E) ratio of 3.3x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Prudential Financial, Inc. 5.95 (PRH) grew revenue by 30.4% over the past year. This is strong growth.

Yes, Prudential Financial, Inc. 5.95 (PRH) is profitable, generating $2.61B in net income for fiscal year 2024 (3.9% net margin).

Dividend & Returns

Yes, Prudential Financial, Inc. 5.95 (PRH) pays a dividend with a yield of 20.97%. This makes it attractive for income-focused investors.

Prudential Financial, Inc. 5.95 (PRH) has a return on equity (ROE) of 9.1%. This is below average, suggesting room for improvement.

Industry Metrics

Prudential Financial, Inc. 5.95 (PRH) has a combined ratio of 0.0%. A ratio below 100% indicates underwriting profitability.

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