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PRU logoPrudential Financial, Inc.(PRU)Earnings, Financials & Key Ratios

PRU•NYSE•Insurance & Managed Care
$100.27
$34.89B mkt cap·9.8× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryLife InsuranceSub-IndustryDiversified global life and asset managers
AboutPrudential Financial, Inc., together with its subsidiaries, provides insurance, investment management, and other financial products and services in the United States and internationally. It operates through eight segments: PGIM, Retirement, Group Insurance, Individual Annuities, Individual Life, Assurance IQ, International Businesses, and Closed Block. The company 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 general account. It also provides a range of retirement investment, and income products and services to retirement plan sponsors in the public, private, and not-for-profit sectors; and group life, long-term and short-term group disability, and group corporate-, bank-, and trust-owned life insurance in the United States, primarily to institutional clients for use in connection with employee and membership benefits plans, as well as sells accidental death and dismemberment, and other supplemental health solutions; and provides plan administration services in connection with its insurance coverages. In addition, the company develops and distributes individual variable and fixed annuity products, principally to the mass affluent and affluent markets; and individual variable, term, and universal life insurance products to the mass middle, mass affluent, and affluent markets in the United States. Further, it provides third-party life, health, Medicare, property and casualty, and term life products to retail shoppers through its digital and independent agent channels. The company offers its products and services to individual and institutional customers through its proprietary and third-party distribution networks. Prudential Financial, Inc. was founded in 1875 and is headquartered in Newark, New Jersey.Show more
  • Revenue$60.77B-14.0%
  • Combined Ratio92.13%-3.5%
  • Net Income$3.58B+31.1%
  • Return on Equity10.88%+19.7%
  • Medical Cost Ratio57.96%-22.9%
  • Operating Margin7.87%+73.4%
  • Net Margin5.88%+52.5%
  • ROA0.47%+26.6%
  • Equity / Assets4.6%+12.3%
  • Book Value per Share101.68+21.3%
  • Tangible BV/Share34.79-55.7%
  • Debt/Equity0.94+30.6%
Analysis→Technical→

PRU Key Insights

Prudential Financial, Inc. (PRU) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Profitable underwriting: 92.1% combined ratio
  • ✓Low loss ratio of 58.0%
  • ✓Healthy dividend yield of 5.5%
  • ✓Share count reduced 2.6% through buybacks
  • ✓Trading at only 1.0x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

PRU Price & Volume

Prudential Financial, Inc. (PRU) stock price & volume — 10-year historical chart

Loading chart...

PRU Growth Metrics

Prudential Financial, Inc. (PRU) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years0.62%
5 Years1.28%
3 Years2.17%
TTM-13.74%

Profit CAGR

10 Years-4.46%
5 Years-
3 Years-
TTM31.13%

EPS CAGR

10 Years-1.73%
5 Years-
3 Years-
TTM34.22%

Return on Capital

10 Years3.47%
5 Years0.49%
3 Years0.5%
Last Year0.63%

PRU Recent Earnings

Prudential Financial, Inc. (PRU) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 5/12 qtrs (42%)●Beat Revenue 8/12 qtrs (67%)
Q1 2026Latest
Feb 3, 2026
EPS
$3.30
Est $3.37
-2.1%
Revenue
$14.5B
Est $14.7B
-1.0%
Q4 2025
Oct 29, 2025
EPS
$4.26
Est $3.72
+14.5%
Revenue
$17.9B
Est $14.1B
+27.0%
Q3 2025
Jul 30, 2025
EPS
$3.58
Est $3.22
+11.2%
Revenue
$13.8B
Est $13.5B
+1.9%
Q2 2025
Apr 30, 2025
EPS
$3.29
Est $3.18
+3.5%
Revenue
$13.5B
Est $14.4B
-6.3%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q1 2026LatestFeb 3, 2026
$3.30vs $3.37-2.1%
$14.5Bvs $14.7B-1.0%
Q4 2025Oct 29, 2025
$4.26vs $3.72+14.5%
$17.9Bvs $14.1B+27.0%
Q3 2025Jul 30, 2025
$3.58vs $3.22+11.2%
$13.8Bvs $13.5B+1.9%
Q2 2025Apr 30, 2025
$3.29vs $3.18+3.5%
$13.5Bvs $14.4B-6.3%
Based on last 12 quarters of dataView full earnings history →

PRU Peer Comparison

Prudential Financial, Inc. (PRU) competitors in Diversified global life and asset managers — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
MET logoMETMetLife, Inc.Direct Competitor52.79B79.9013.453.29%5.43%13.16%28.63%0.68
LNC logoLNCLincoln National CorporationDirect Competitor6.4B37.542.0453.61%11.43%20.18%0.77
UNM logoUNMUnum GroupDirect Competitor13.05B80.8318.892.07%5.87%7.07%4.25%0.35
PFG logoPFGPrincipal Financial Group, Inc.Direct Competitor21.86B100.8719.21-3.11%7.58%9.89%20.31%0.34
GNW logoGNWGenworth Financial, Inc.Direct Competitor3.44B8.8716.43-10.86%3.25%2.28%9.52%0.15
AIG logoAIGAmerican International Group, Inc.Product Competitor42.1B78.4714.45-1.82%11.86%7.7%7.87%0.22
AFL logoAFLAflac IncorporatedProduct Competitor58.97B114.4616.76-8.84%21%13.05%4.33%0.29
GL logoGLGlobe Life Inc.Product Competitor12.09B154.1410.963.82%19.36%20.64%10.37%0.44

Compare PRU vs Peers

Prudential Financial, Inc. (PRU) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs MET

Most directly comparable listed peer for PRU.

Scale Benchmark

vs BLK

Larger-name benchmark to compare PRU against a more recognizable public peer.

Peer Set

Compare Top 5

vs MET, LNC, UNM, PFG

PRU Income Statement

Prudential Financial, Inc. (PRU) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Revenue59.69B62.99B64.8B57.03B71.15B56.99B54.27B70.67B60.77B
Revenue Growth %1.53%5.53%2.87%-11.99%24.76%-19.91%-4.77%30.24%-14.01%
Medical Costs & Claims39.2B44.87B44.03B41.82B42.87B45.1B36.71B53.16B35.22B
Medical Cost Ratio %65.66%71.24%67.95%73.33%60.25%79.14%67.65%75.21%57.96%
Gross Profit
20.5B▲ 0%
18.12B▼ 11.6%
20.77B▲ 14.6%
15.21B▼ 26.8%
28.28B▲ 85.9%
11.89B▼ 58.0%
17.55B▲ 47.6%
17.52B▼ 0.2%
25.55B▲ 45.8%
Gross Margin %34.34%28.76%32.05%26.67%39.75%20.86%32.35%24.79%42.04%
Gross Profit Growth %4.99%-11.6%14.62%-26.75%85.91%-57.96%47.65%-0.21%45.84%
Operating Expenses14.01B13.29B15.68B15.54B17.45B13.78B14.48B14.31B20.77B
OpEx / Revenue %23.47%21.09%24.2%27.24%24.52%24.18%26.69%20.25%34.17%
Depreciation & Amortization222M161M460M457M206M117M-70M383M128M
Combined Ratio %89.13%92.33%92.15%100.57%84.77%103.32%94.34%95.46%92.13%
Operating Income
6.49B▲ 0%
4.83B▼ 25.5%
5.08B▲ 5.2%
-323M▼ 106.4%
10.84B▲ 3454.5%
-1.89B▼ 117.5%
3.07B▲ 262.4%
3.21B▲ 4.5%
4.79B▲ 49.1%
Operating Margin %10.87%7.67%7.85%-0.57%15.23%-3.32%5.66%4.54%7.87%
Operating Income Growth %13.71%-25.48%5.19%-106.35%3454.49%-117.46%262.37%4.46%49.11%
EBITDA6.71B5B5.54B134M11.04B-1.77B3B3.59B4.91B
EBITDA Margin %11.24%7.93%8.56%0.23%15.52%-3.11%5.53%5.08%8.08%
Interest Expense000000002.11B
Non-Operating Income000000000
Pretax Income
6.49B▲ 0%
4.83B▼ 25.5%
5.08B▲ 5.2%
-227M▼ 104.5%
10.93B▲ 4916.3%
-1.95B▼ 117.9%
3.12B▲ 259.7%
3.35B▲ 7.4%
4.79B▲ 42.7%
Pretax Margin %10.87%7.67%7.85%-0.4%15.37%-3.43%5.75%4.74%7.87%
Income Tax-1.44B822M947M-81M2B-279M613M507M1.05B
Effective Tax Rate %-22.17%17%18.62%35.68%18.25%14.28%19.64%15.12%22.01%
Net Income
7.86B▲ 0%
4.07B▼ 48.2%
4.19B▲ 2.7%
-374M▼ 108.9%
8.87B▲ 2471.1%
-1.65B▼ 118.6%
2.49B▲ 251.1%
2.73B▲ 9.6%
3.58B▲ 31.1%
Net Margin %13.17%6.47%6.46%-0.66%12.46%-2.89%4.58%3.86%5.88%
Net Income Growth %80.01%-48.19%2.75%-108.93%2471.12%-118.57%251.06%9.61%31.13%
EPS (Diluted)
17.86▲ 0%
9.50▼ 46.8%
10.11▲ 6.4%
-1.00▼ 109.9%
19.51▲ 2051.0%
-4.49▼ 123.0%
6.74▲ 250.1%
7.50▲ 11.3%
10.22▲ 36.3%
EPS Growth %83.93%-46.81%6.42%-109.89%2051%-123.01%250.11%11.28%36.27%
EPS (Basic)18.199.6410.23-1.0022.56-4.496.767.5410.16
Diluted Shares Outstanding436M426.2M410.9M395.8M390.1M372.3M364.6M359.3M349.92M

PRU Balance Sheet

Prudential Financial, Inc. (PRU) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Total Assets831.92B815.08B896.55B940.72B937.58B689.03B721.21B735.59B773.74B
Asset Growth %6.12%-2.02%10%4.93%-0.33%-26.51%4.67%1.99%5.19%
Total Investment Assets469.87B479.25B806.47B553.62B492.2B417.44B434.73B444.78B467.82B
Long-Term Investments389.63B371.62B409.9B458.8B401.31B329.55B342.53B346.29B396.01B
Short-Term Investments359.73B360.13B396.56B421.36B379.07B312.31B321.33B47.9B6.41B
Total Current Assets4.35B3.93B412.89B0000026.13B
Cash & Equivalents14.49B15.35B16.33B13.7B12.89B17.25B19.42B18.5B19.71B
Receivables0000018.99B28.25B38.55B47.99B
Other Current Assets000-435.06B-391.96B-348.55B-369B-104.94B-47.99B
Goodwill & Intangibles21.77B5.21B2.57B4.72B3.19B2.02B2.11B1.89B23.41B
Goodwill843M3.01B863M3.04B1.8B876M1.07B1.05B1.09B
Intangible Assets20.93B2.2B1.71B1.68B1.39B1.14B1.04B841M22.32B
PP&E (Net)00554M000000
Other Assets-46.98B416.47B-412.48B-463.52B-404.51B-331.57B-344.63B-348.19B-419.42B
Total Liabilities777.58B766.05B832.83B872.51B874.97B657.11B691.34B705.46B738.16B
Total Debt20.07B20.78B21.85B20.95B19.62B21.06B20.87B21.57B33.28B
Net Debt5.58B5.43B5.53B7.25B6.73B3.81B1.46B3.07B13.57B
Long-Term Debt18.69B18.33B19.92B19.72B18.6B19.98B20B20.36B21.83B
Short-Term Debt1.38B2.45B1.93B1.23B1.02B1.07B873M1.21B11.13B
Total Current Liabilities759.21B748.13B813.52B000000
Accounts Payable000005.73B15.73B17.08B18.84B
Deferred Revenue000000000
Other Current Liabilities-17.44B-14.5B793.22B-22.77B-19.27B-7.78B-18.08B-19.01B-49.55B
Deferred Taxes000000000
Other Liabilities735.15B747.71B0-96.98B-96.38B-34.34B-35.02B-35.55B714.02B
Total Equity
54.34B▲ 0%
49.03B▼ 9.8%
63.72B▲ 30.0%
68.21B▲ 7.0%
62.61B▼ 8.2%
31.92B▼ 49.0%
29.88B▼ 6.4%
30.13B▲ 0.8%
35.58B▲ 18.1%
Equity Growth %17.91%-9.78%29.96%7.05%-8.21%-49.02%-6.4%0.84%18.11%
Shareholders Equity54.07B48.62B63.12B67.42B61.88B30.59B27.82B27.87B32.44B
Minority Interest275M414M604M785M732M1.33B2.06B2.25B3.14B
Retained Earnings28.5B30.47B32.99B30.75B36.65B31.71B32.35B33.19B34.83B
Common Stock6M6M6M6M6M6M6M6M6M
Accumulated OCI17.07B10.91B24.04B30.74B21.32B-3.81B-6.5B-6.71B-3.08B
Return on Equity (ROE)15.66%7.88%7.43%-0.57%13.56%-3.48%8.05%9.09%10.88%
Return on Assets (ROA)0.97%0.49%0.49%-0.04%0.94%-0.2%0.35%0.37%0.47%
Equity / Assets6.53%6.02%7.11%7.25%6.68%4.63%4.14%4.1%4.6%
Debt / Equity0.37x0.42x0.34x0.31x0.31x0.66x0.70x0.72x0.94x
Book Value per Share124.64115.04155.07172.33160.4985.7381.9483.85101.68
Tangible BV per Share74.72102.82148.81160.41152.3080.3276.1678.5834.79

PRU Cash Flow Statement

Prudential Financial, Inc. (PRU) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations13.45B21.66B19.63B8.37B9.81B5.16B6.51B8.5B6.27B
Operating CF Growth %-9.02%61.13%-9.41%-57.36%17.26%-47.43%26.21%30.6%-26.24%
Operating CF / Revenue %22.52%34.39%30.29%14.67%13.79%9.05%12%12.03%10.32%
Net Income7.97B4.09B4.24B-146M7.79B-1.46B2.51B2.85B3.58B
Depreciation & Amortization222M161M460M457M204M124M-70M383M128M
Stock-Based Compensation263M155M231M242M284M220M000
Deferred Taxes00-231M-242M-284M-220M-257M00
Other Non-Cash Items578M-166M1.75B5.03B-1.49B5.18B5.29B5.68B7.16B
Working Capital Changes4.67B17.58B13.18B3.03B3.3B1.31B-958M-412M-4.59B
Cash from Investing-11.93B-21.63B-17.03B-16.21B-5.34B-7.64B-12.12B-28.59B-25.89B
Capital Expenditures-2.31B0-3.8B-88M736M0000
Acquisitions-64M0-1.75B1.45B132M422M000
Purchase of Investments-143.09B-144.89B-122.72B-144.49B-133.06B-118.59B-95.59B-130.21B-129.77B
Sale/Maturity of Investments134.24B126.97B111.68B127.19B127.44B110.05B86.26B104.97B104.08B
Other Investing-712M-3.7B-437M-278M-596M475M-2.79B-3.35B-207M
Cash from Financing-1.26B781M-1.63B4.88B-3.01B4.93B7.74B19.39B20.77B
Dividends Paid-1.3B-1.52B-1.64B-1.77B-1.81B-1.82B-1.85B-1.89B-1.93B
Share Repurchases-1.25B-1.5B-2.5B-500M-2.5B-1.49B-1.01B-1B-1B
Stock Issued00000000109M
Debt Issuance (Net)-1000K1000K1000K1000K-1000K1000K-1000K1000K1000K
Other Financing1.89B2.48B791M6.92B2.45B6.79B10.98B21.44B20.49B
Net Change in Cash
363M▲ 0%
959M▲ 164.2%
979M▲ 2.1%
-2.62B▼ 367.5%
-921M▲ 64.8%
4.37B▲ 573.9%
2.16B▼ 50.4%
-943M▼ 143.6%
1.23B▲ 230.3%
Exchange Rate Effect110M142M16M340M-2.38B1.91B37M-254M77M
Cash at Beginning14.13B14.54B15.49B16.47B13.86B12.93B17.3B19.46B18.52B
Cash at End14.49B15.49B16.47B13.86B12.93B17.3B19.46B18.52B19.75B
Free Cash Flow
11.14B▲ 0%
21.66B▲ 94.5%
15.82B▼ 27.0%
8.28B▼ 47.7%
10.55B▲ 27.4%
5.16B▼ 51.1%
6.51B▲ 26.2%
8.5B▲ 30.6%
6.27B▼ 26.2%
FCF Growth %-14.11%94.51%-26.97%-47.66%27.39%-51.1%26.21%30.6%-26.24%
FCF Margin %18.66%34.39%24.42%14.52%14.83%9.05%12%12.03%10.32%
FCF per Share25.5550.8338.520.9227.0413.8517.8623.6617.92

PRU Key Ratios

Prudential Financial, Inc. (PRU) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Combined Ratio90.3%89.13%92.33%92.15%100.57%84.77%103.32%94.34%95.46%92.13%
Medical Cost Ratio66.79%65.66%71.24%67.95%73.33%60.25%79.14%67.65%75.21%57.96%
Return on Equity (ROE)9.93%15.66%7.88%7.43%-0.57%13.56%-3.48%8.05%9.09%10.88%
Return on Assets (ROA)0.57%0.97%0.49%0.49%-0.04%0.94%-0.2%0.35%0.37%0.47%
Equity / Assets5.88%6.53%6.02%7.11%7.25%6.68%4.63%4.14%4.1%4.6%
Book Value / Share107.29124.64115.04155.07172.33160.4985.7381.9483.85101.68
Debt / Equity0.46x0.37x0.42x0.34x0.31x0.31x0.66x0.70x0.72x0.94x
Revenue Growth2.93%1.53%5.53%2.87%-11.99%24.76%-19.91%-4.77%30.24%-14.01%

PRU SEC Filings & Documents

Prudential Financial, Inc. (PRU) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 5, 2026·SEC

Material company update

Apr 21, 2026·SEC

Material company update

Apr 14, 2026·SEC

10-K Annual Reports

1
FY 2026

Feb 12, 2026·SEC

10-Q Quarterly Reports

3
FY 2025

Oct 30, 2025·SEC

FY 2025

Jul 31, 2025·SEC

FY 2025

May 1, 2025·SEC

PRU Frequently Asked Questions

Prudential Financial, Inc. (PRU) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Prudential Financial, Inc. (PRU) saw revenue decline by 14.0% over the past year.

Yes, Prudential Financial, Inc. (PRU) is profitable, generating $3.58B in net income for fiscal year 2025 (5.9% net margin).

Dividend & Returns

Yes, Prudential Financial, Inc. (PRU) pays a dividend with a yield of 5.49%. This makes it attractive for income-focused investors.

Prudential Financial, Inc. (PRU) has a return on equity (ROE) of 10.9%. This is reasonable for most industries.

Industry Metrics

Prudential Financial, Inc. (PRU) has a combined ratio of 92.1%. A ratio below 100% indicates underwriting profitability.

Explore More PRU

Prudential Financial, Inc. (PRU) financial analysis — history, returns, DCA and operating performance tools

Full PRU Stock Analysis

Analyst verdict, bull/bear case, risk factors and peer comparison

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Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

→

Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

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Valuation

DCF intrinsic value, peer multiples & estimates

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