Prudential Financial, Inc. 5.62 (PRS) 10-Year Financial Performance & Capital Metrics

PRS • • 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. It operates through the following segments: Prudential Investment Management, Inc. (PGIM), U.S. Businesses, International Businesses, and Corporate and Others. The PGIM segment involves the provision of 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. The U.S. Businesses segment includes retirement strategies, group insurance, and individual life. The International Businesses segment focuses on investing in existing businesses and assessing acquisition opportunities. The Corporate and Other Operations segment involves the corporate items and initiatives 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 83.62 +2.4%
Tangible BV/Share 21.61 +7.5%
Debt/Equity 0.96 +4.4%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

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

✗Weaknesses

✗Weak 3Y average ROE of 4.5%

Price & Volume

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Growth Metrics

Revenue CAGR

10Y1.77%

5Y1.67%

3Y-0.25%

TTM-23.65%

Profit (Net Income) CAGR

10Y7.24%

5Y-8.21%

3Y-29.32%

TTM-36.03%

EPS CAGR

10Y10.01%

5Y-5.8%

3Y-30.56%

TTM-101.78%

ROCE

10Y Avg2.94%

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	70.93B	56.88B	53.98B	70.41B
Revenue Growth %	-0.03%	0.03%	0.02%	0.06%	0.03%	-0.12%	0.24%	-0.2%	-0.05%	0.3%
Medical Costs & Claims+	0	0	0	0	0	0	57.63B	-3.17B	0	0
Medical Cost Ratio %	-	-	-	-	-	-	-	-	-	-
Gross Profit+	57.12B	58.78B	59.69B	62.99B	64.81B	57.09B	13.3B	60.05B	53.98B	70.41B
Gross Margin %	-	-	-	-	-	-	-	-	-	-
Gross Profit Growth %	0.06%	0.03%	0.02%	0.06%	0.03%	-0.12%	-0.77%	3.51%	-0.1%	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	177M	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	7.72B	-1.67B	2.49B	2.73B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	3.16%	-0.23%	0.8%	-0.48%	0.04%	-1.09%	21.65%	-1.22%	2.49%	0.1%
EPS (Diluted)+	12.17	9.71	17.86	9.50	10.11	-1.00	22.40	-4.49	6.74	7.50
EPS Growth %	3.21%	-0.2%	0.84%	-0.47%	0.06%	-1.1%	23.4%	-1.2%	2.5%	0.11%
EPS (Basic)	12.37	9.85	18.19	9.64	10.23	-1.00	22.56	-4.49	6.76	7.54
Diluted Shares Outstanding	460.4M	446.6M	436M	426.2M	410.9M	395.8M	390.1M	372.3M	364.6M	360.27M

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	13.7B	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	1.2B	424M	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	-9.95B	-21.94B	-23.57B	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	737.33B	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%	0.12%	-0.04%	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	83.62
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	7.72B	-1.65B	2.49B	2.73B
Depreciation & Amortization	0	0	0	0	0	0	0	0	0	0
Stock-Based Compensation	0	0	0	0	0	0	0	0	0	0
Deferred Taxes	0	0	0	0	0	0	0	0	0	0
Other Non-Cash Items	-1.72B	46M	911M	9M	2.26B	5.71B	-1.21B	7B	4.98B	6.19B
Working Capital Changes	9.72B	10.42B	4.69B	17.58B	13.18B	3.03B	3.3B	-194M	-958M	-412M
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	1.45B	132M	422M	0	0
Purchase of Investments	-160.07B	-162.19B	-153.89B	-157.19B	-135.32B	-152.55B	-143.71B	-125.33B	-103.49B	-140.95B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Other Investing	106M	-227M	-723M	-188M	-437M	-278M	-596M	-98M	-676M	-50M
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	209M	426M	246M	132M	133M	153M	200M	163M	126M	201M
Debt Issuance (Net)	-1000K	1000K	1000K	1000K	1000K	1000K	-1000K	-1000K	-1000K	1000K
Other Financing	1.04B	5.39B	791M	1.22B	642M	6.27B	2.2B	8.17B	10.86B	17.36B
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	23.6

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%	100.43%	16.52%	23.94%	18.95%
Medical Cost Ratio	0%	0%	0%	0%	0%	0%	81.25%	-5.57%	0%	0%
Return on Equity (ROE)	13.39%	9.81%	15.44%	7.78%	7.43%	-0.57%	11.81%	-3.54%	8.06%	9.1%
Return on Assets (ROA)	0.74%	0.56%	0.96%	0.49%	0.49%	-0.04%	0.82%	-0.21%	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	83.62
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%	24.25%	-19.81%	-5.1%	30.43%

Revenue by Segment

	2014	2015	2016	2017	2018	2020	2021	2022	2023	2024
Group Insurance	5.36B	5.14B	4.65B	5.47B	-	5.79B	6.22B	6.12B	5.7B	6.43B
Group Insurance Growth	-	-3.99%	-9.61%	17.68%	-	-	7.45%	-1.51%	-6.92%	12.77%
Individual Life	5.23B	5.23B	2.94B	4.97B	-	6.4B	6.9B	7.07B	3.18B	6.2B
Individual Life Growth	-	0.13%	-43.80%	69.13%	-	-	7.80%	2.57%	-55.05%	94.81%
PGIM1	-	-	-	-	-	-	-	-	-	4.09B
PGIM1 Growth	-	-	-	-	-	-	-	-	-	-
Retirement	12.08B	11.82B	7.81B	13.84B	-	12.03B	15.3B	24.75B	7.71B	-
Retirement Growth	-	-2.12%	-33.95%	77.29%	-	-	27.12%	61.81%	-68.85%	-
Life Planner	-	-	-	-	-	-	-	-	7B	-
Life Planner Growth	-	-	-	-	-	-	-	-	-	-
Gibraltar Life and Other	-	-	-	-	-	-	-	-	6.23B	-
Gibraltar Life and Other Growth	-	-	-	-	-	-	-	-	-	-
International Insurance	20.07B	19.36B	15.81B	21.56B	-	21.58B	21.91B	20.07B	-	-
International Insurance Growth	-	-3.50%	-18.34%	36.34%	-	-	1.57%	-8.40%	-	-
Individual Annuities	4.71B	4.7B	2.72B	5.11B	-	4.44B	4.91B	-	-	-
Individual Annuities Growth	-	-0.32%	-42.04%	87.80%	-	-	10.68%	-	-	-
Closed Block Division	-	-	2.62B	-	2.3B	-	-	-	-	-
Closed Block Division Growth	-	-	-	-	-	-	-	-	-	-
Investment Management1	-	-	-	3.35B	-	-	-	-	-	-
Investment Management1 Growth	-	-	-	-	-	-	-	-	-	-
Corporate and Other	-	-	318M	331M	-	-	-	-	-	-
Corporate and Other Growth	-	-	-	4.09%	-	-	-	-	-	-
Asset Management1	2.84B	2.94B	-	-	-	-	-	-	-	-
Asset Management1 Growth	-	3.66%	-	-	-	-	-	-	-	-

Revenue by Geography

	2014	2015	2016	2017	2018	2020	2021	2022	2023	2024
UNITED STATES	-	36.15B	36.08B	36.57B	40.6B	34.92B	45.29B	38.85B	31.03B	48.57B
UNITED STATES Growth	-	-	-0.20%	1.37%	11.02%	-13.99%	29.68%	-14.21%	-20.12%	56.51%
JAPAN	-	18.18B	19.77B	19.59B	19.13B	19.86B	18.85B	15.68B	15.54B	13.76B
JAPAN Growth	-	-	8.75%	-0.91%	-2.37%	3.86%	-5.09%	-16.82%	-0.92%	-11.44%
Non-US	-	20.97B	22.7B	23.12B	22.39B	22.11B	6.8B	5.52B	7.41B	-
Non-US Growth	-	-	8.26%	1.83%	-3.15%	-1.24%	-69.27%	-18.79%	34.26%	-
KOREA, REPUBLIC OF	-	1.46B	1.44B	1.57B	1.5B	364M	-	-	-	-
KOREA, REPUBLIC OF Growth	-	-	-1.57%	8.90%	-4.59%	-75.65%	-	-	-	-
Domestic Operations	35.79B	-	-	-	-	-	-	-	-	-
Domestic Operations Growth	-	-	-	-	-	-	-	-	-	-
Foreign Operations Total	18.31B	-	-	-	-	-	-	-	-	-
Foreign Operations Total Growth	-	-	-	-	-	-	-	-	-	-
Foreign Operations Japan	15.46B	-	-	-	-	-	-	-	-	-
Foreign Operations Japan Growth	-	-	-	-	-	-	-	-	-	-
Foreign Operations Korea	1.48B	-	-	-	-	-	-	-	-	-
Foreign Operations Korea Growth	-	-	-	-	-	-	-	-	-	-

Frequently Asked Questions

Valuation & Price

Prudential Financial, Inc. 5.62 (PRS) has a price-to-earnings (P/E) ratio of 3.2x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Prudential Financial, Inc. 5.62 (PRS) grew revenue by 30.4% over the past year. This is strong growth.

Yes, Prudential Financial, Inc. 5.62 (PRS) is profitable, generating $2.61B in net income for fiscal year 2024 (3.9% net margin).

Dividend & Returns

Yes, Prudential Financial, Inc. 5.62 (PRS) pays a dividend with a yield of 21.60%. This makes it attractive for income-focused investors.

Prudential Financial, Inc. 5.62 (PRS) has a return on equity (ROE) of 9.1%. This is below average, suggesting room for improvement.

Industry Metrics

Prudential Financial, Inc. 5.62 (PRS) has a combined ratio of 0.0%. A ratio below 100% indicates underwriting profitability.

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