8-K Announcements
6May 5, 2026·SEC
Apr 21, 2026·SEC
Apr 14, 2026·SEC
Prudential Financial, Inc. (PRU) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Prudential Financial, Inc. (PRU) stock price & volume — 10-year historical chart
Prudential Financial, Inc. (PRU) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Prudential Financial, Inc. (PRU) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | Feb 3, 2026 | $3.30vs $3.37-2.1% | $14.5Bvs $14.7B-1.0% |
| Q4 2025 | Oct 29, 2025 | $4.26vs $3.72+14.5% | $17.9Bvs $14.1B+27.0% |
| Q3 2025 | Jul 30, 2025 | $3.58vs $3.22+11.2% | $13.8Bvs $13.5B+1.9% |
| Q2 2025 | Apr 30, 2025 | $3.29vs $3.18+3.5% | $13.5Bvs $14.4B-6.3% |
Prudential Financial, Inc. (PRU) competitors in Diversified global life and asset managers — business model, growth, and fundamentals comparison
Prudential Financial, Inc. (PRU) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Prudential Financial, Inc. (PRU) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 59.69B | 62.99B | 64.8B | 57.03B | 71.15B | 56.99B | 54.27B | 70.67B | 60.77B |
| Revenue Growth % | 1.53% | 5.53% | 2.87% | -11.99% | 24.76% | -19.91% | -4.77% | 30.24% | -14.01% |
| Medical Costs & Claims | 39.2B | 44.87B | 44.03B | 41.82B | 42.87B | 45.1B | 36.71B | 53.16B | 35.22B |
| 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 Expenses | 14.01B | 13.29B | 15.68B | 15.54B | 17.45B | 13.78B | 14.48B | 14.31B | 20.77B |
| OpEx / Revenue % | 23.47% | 21.09% | 24.2% | 27.24% | 24.52% | 24.18% | 26.69% | 20.25% | 34.17% |
| Depreciation & Amortization | 222M | 161M | 460M | 457M | 206M | 117M | -70M | 383M | 128M |
| 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% |
| EBITDA | 6.71B | 5B | 5.54B | 134M | 11.04B | -1.77B | 3B | 3.59B | 4.91B |
| EBITDA Margin % | 11.24% | 7.93% | 8.56% | 0.23% | 15.52% | -3.11% | 5.53% | 5.08% | 8.08% |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2.11B |
| Non-Operating Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 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 | -1.44B | 822M | 947M | -81M | 2B | -279M | 613M | 507M | 1.05B |
| 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) | 18.19 | 9.64 | 10.23 | -1.00 | 22.56 | -4.49 | 6.76 | 7.54 | 10.16 |
| Diluted Shares Outstanding | 436M | 426.2M | 410.9M | 395.8M | 390.1M | 372.3M | 364.6M | 359.3M | 349.92M |
Prudential Financial, Inc. (PRU) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Total Assets | 831.92B | 815.08B | 896.55B | 940.72B | 937.58B | 689.03B | 721.21B | 735.59B | 773.74B |
| Asset Growth % | 6.12% | -2.02% | 10% | 4.93% | -0.33% | -26.51% | 4.67% | 1.99% | 5.19% |
| Total Investment Assets | 469.87B | 479.25B | 806.47B | 553.62B | 492.2B | 417.44B | 434.73B | 444.78B | 467.82B |
| Long-Term Investments | 389.63B | 371.62B | 409.9B | 458.8B | 401.31B | 329.55B | 342.53B | 346.29B | 396.01B |
| Short-Term Investments | 359.73B | 360.13B | 396.56B | 421.36B | 379.07B | 312.31B | 321.33B | 47.9B | 6.41B |
| Total Current Assets | 4.35B | 3.93B | 412.89B | 0 | 0 | 0 | 0 | 0 | 26.13B |
| Cash & Equivalents | 14.49B | 15.35B | 16.33B | 13.7B | 12.89B | 17.25B | 19.42B | 18.5B | 19.71B |
| Receivables | 0 | 0 | 0 | 0 | 0 | 18.99B | 28.25B | 38.55B | 47.99B |
| Other Current Assets | 0 | 0 | 0 | -435.06B | -391.96B | -348.55B | -369B | -104.94B | -47.99B |
| Goodwill & Intangibles | 21.77B | 5.21B | 2.57B | 4.72B | 3.19B | 2.02B | 2.11B | 1.89B | 23.41B |
| Goodwill | 843M | 3.01B | 863M | 3.04B | 1.8B | 876M | 1.07B | 1.05B | 1.09B |
| Intangible Assets | 20.93B | 2.2B | 1.71B | 1.68B | 1.39B | 1.14B | 1.04B | 841M | 22.32B |
| PP&E (Net) | 0 | 0 | 554M | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Assets | -46.98B | 416.47B | -412.48B | -463.52B | -404.51B | -331.57B | -344.63B | -348.19B | -419.42B |
| Total Liabilities | 777.58B | 766.05B | 832.83B | 872.51B | 874.97B | 657.11B | 691.34B | 705.46B | 738.16B |
| Total Debt | 20.07B | 20.78B | 21.85B | 20.95B | 19.62B | 21.06B | 20.87B | 21.57B | 33.28B |
| Net Debt | 5.58B | 5.43B | 5.53B | 7.25B | 6.73B | 3.81B | 1.46B | 3.07B | 13.57B |
| Long-Term Debt | 18.69B | 18.33B | 19.92B | 19.72B | 18.6B | 19.98B | 20B | 20.36B | 21.83B |
| Short-Term Debt | 1.38B | 2.45B | 1.93B | 1.23B | 1.02B | 1.07B | 873M | 1.21B | 11.13B |
| Total Current Liabilities | 759.21B | 748.13B | 813.52B | 0 | 0 | 0 | 0 | 0 | 0 |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 5.73B | 15.73B | 17.08B | 18.84B |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | -17.44B | -14.5B | 793.22B | -22.77B | -19.27B | -7.78B | -18.08B | -19.01B | -49.55B |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 735.15B | 747.71B | 0 | -96.98B | -96.38B | -34.34B | -35.02B | -35.55B | 714.02B |
| 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 Equity | 54.07B | 48.62B | 63.12B | 67.42B | 61.88B | 30.59B | 27.82B | 27.87B | 32.44B |
| Minority Interest | 275M | 414M | 604M | 785M | 732M | 1.33B | 2.06B | 2.25B | 3.14B |
| Retained Earnings | 28.5B | 30.47B | 32.99B | 30.75B | 36.65B | 31.71B | 32.35B | 33.19B | 34.83B |
| Common Stock | 6M | 6M | 6M | 6M | 6M | 6M | 6M | 6M | 6M |
| Accumulated OCI | 17.07B | 10.91B | 24.04B | 30.74B | 21.32B | -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 / Assets | 6.53% | 6.02% | 7.11% | 7.25% | 6.68% | 4.63% | 4.14% | 4.1% | 4.6% |
| Debt / Equity | 0.37x | 0.42x | 0.34x | 0.31x | 0.31x | 0.66x | 0.70x | 0.72x | 0.94x |
| Book Value per Share | 124.64 | 115.04 | 155.07 | 172.33 | 160.49 | 85.73 | 81.94 | 83.85 | 101.68 |
| Tangible BV per Share | 74.72 | 102.82 | 148.81 | 160.41 | 152.30 | 80.32 | 76.16 | 78.58 | 34.79 |
Prudential Financial, Inc. (PRU) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 13.45B | 21.66B | 19.63B | 8.37B | 9.81B | 5.16B | 6.51B | 8.5B | 6.27B |
| 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 Income | 7.97B | 4.09B | 4.24B | -146M | 7.79B | -1.46B | 2.51B | 2.85B | 3.58B |
| Depreciation & Amortization | 222M | 161M | 460M | 457M | 204M | 124M | -70M | 383M | 128M |
| Stock-Based Compensation | 263M | 155M | 231M | 242M | 284M | 220M | 0 | 0 | 0 |
| Deferred Taxes | 0 | 0 | -231M | -242M | -284M | -220M | -257M | 0 | 0 |
| Other Non-Cash Items | 578M | -166M | 1.75B | 5.03B | -1.49B | 5.18B | 5.29B | 5.68B | 7.16B |
| Working Capital Changes | 4.67B | 17.58B | 13.18B | 3.03B | 3.3B | 1.31B | -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 | -2.31B | 0 | -3.8B | -88M | 736M | 0 | 0 | 0 | 0 |
| Acquisitions | -64M | 0 | -1.75B | 1.45B | 132M | 422M | 0 | 0 | 0 |
| Purchase of Investments | -143.09B | -144.89B | -122.72B | -144.49B | -133.06B | -118.59B | -95.59B | -130.21B | -129.77B |
| Sale/Maturity of Investments | 134.24B | 126.97B | 111.68B | 127.19B | 127.44B | 110.05B | 86.26B | 104.97B | 104.08B |
| Other Investing | -712M | -3.7B | -437M | -278M | -596M | 475M | -2.79B | -3.35B | -207M |
| Cash from Financing | -1.26B | 781M | -1.63B | 4.88B | -3.01B | 4.93B | 7.74B | 19.39B | 20.77B |
| 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 Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 109M |
| Debt Issuance (Net) | -1000K | 1000K | 1000K | 1000K | -1000K | 1000K | -1000K | 1000K | 1000K |
| Other Financing | 1.89B | 2.48B | 791M | 6.92B | 2.45B | 6.79B | 10.98B | 21.44B | 20.49B |
| 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 Effect | 110M | 142M | 16M | 340M | -2.38B | 1.91B | 37M | -254M | 77M |
| Cash at Beginning | 14.13B | 14.54B | 15.49B | 16.47B | 13.86B | 12.93B | 17.3B | 19.46B | 18.52B |
| Cash at End | 14.49B | 15.49B | 16.47B | 13.86B | 12.93B | 17.3B | 19.46B | 18.52B | 19.75B |
| 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 Share | 25.55 | 50.83 | 38.5 | 20.92 | 27.04 | 13.85 | 17.86 | 23.66 | 17.92 |
Prudential Financial, Inc. (PRU) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Combined Ratio | 90.3% | 89.13% | 92.33% | 92.15% | 100.57% | 84.77% | 103.32% | 94.34% | 95.46% | 92.13% |
| Medical Cost Ratio | 66.79% | 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 / Assets | 5.88% | 6.53% | 6.02% | 7.11% | 7.25% | 6.68% | 4.63% | 4.14% | 4.1% | 4.6% |
| Book Value / Share | 107.29 | 124.64 | 115.04 | 155.07 | 172.33 | 160.49 | 85.73 | 81.94 | 83.85 | 101.68 |
| Debt / Equity | 0.46x | 0.37x | 0.42x | 0.34x | 0.31x | 0.31x | 0.66x | 0.70x | 0.72x | 0.94x |
| Revenue Growth | 2.93% | 1.53% | 5.53% | 2.87% | -11.99% | 24.76% | -19.91% | -4.77% | 30.24% | -14.01% |
Prudential Financial, Inc. (PRU) SEC filings — annual & quarterly reports (10-K, 10-Q)
May 5, 2026·SEC
Apr 21, 2026·SEC
Apr 14, 2026·SEC
Feb 12, 2026·SEC
Prudential Financial, Inc. (PRU) stock FAQ — growth, dividends, profitability & financials explained
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).
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.
Prudential Financial, Inc. (PRU) has a combined ratio of 92.1%. A ratio below 100% indicates underwriting profitability.
Prudential Financial, Inc. (PRU) financial analysis — history, returns, DCA and operating performance tools
Analyst verdict, bull/bear case, risk factors and peer comparison
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates