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PRH logoPrudential Financial, Inc. 5.95(PRH)Earnings, Financials & Key Ratios

PRH•NYSE•Insurance & Managed Care
$23.86
$8.3B mkt cap·2.4× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryLife InsuranceSub-IndustryDiversified global life and asset managers
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$60.77B-13.7%
  • Combined Ratio92.13%+386.2%
  • Net Income$3.58B+31.1%
  • Return on Equity10.88%+19.6%
  • Medical Cost Ratio57.96%
  • Operating Margin7.87%-90.3%
  • Net Margin5.88%+51.9%
  • ROA0.47%+26.6%
  • Equity / Assets4.6%+12.3%
  • Book Value per Share100.60+20.0%
  • Tangible BV/Share100.60+364.3%
  • Debt/Equity0.57-40.3%
Technical→

PRH Key Insights

Prudential Financial, Inc. 5.95 (PRH) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Profitable underwriting: 92.1% combined ratio
  • ✓Strong Piotroski F-Score: 7/9
  • ✓13 consecutive years of dividend growth
  • ✓Momentum leader: RS Rating 96 (top 4%)
  • ✓Low loss ratio of 58.0%
  • ✓Trading at only 0.2x 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.

PRH Price & Volume

Prudential Financial, Inc. 5.95 (PRH) stock price & volume — 10-year historical chart

Loading chart...

PRH Growth Metrics

Prudential Financial, Inc. 5.95 (PRH) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years0.62%
5 Years1.26%
3 Years3.65%
TTM4.08%

Profit CAGR

10 Years-4.46%
5 Years-
3 Years-
TTM50.96%

EPS CAGR

10 Years-2.02%
5 Years-
3 Years-
TTM54.27%

Return on Capital

10 Years2.89%
5 Years3.12%
3 Years4.86%
Last Year0.64%

PRH Recent Earnings

Prudential Financial, Inc. 5.95 (PRH) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 1/8 qtrs (20%)●Beat Revenue 2/8 qtrs (50%)
Q2 2026Latest
May 5, 2026
EPS
$1.72
Est $3.36
-48.8%
Revenue
—
Est $14.6B
Q1 2026
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
$4.05
Est $3.72
+8.9%
Revenue
$16.0B
Est $14.1B
+13.1%
Q3 2025
Jul 30, 2025
EPS
$1.50
Est $3.22
-53.4%
Revenue
$13.7B
Est $13.5B
+1.6%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 5, 2026
$1.72vs $3.36-48.8%
—vs $14.6B
Q1 2026Feb 3, 2026
$3.30vs $3.37-2.1%
$14.5Bvs $14.7B-1.0%
Q4 2025Oct 29, 2025
$4.05vs $3.72+8.9%
$16.0Bvs $14.1B+13.1%
Q3 2025Jul 30, 2025
$1.50vs $3.22-53.4%
$13.7Bvs $13.5B+1.6%
Based on last 8 quarters of dataView full earnings history →

PRH Peer Comparison

Prudential Financial, Inc. 5.95 (PRH) 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 Competitor52.27B80.1616.7010.22%4.44%11.88%0.70
PRU logoPRUPrudential Financial, Inc.Direct Competitor34.86B100.169.80-14.01%5.62%10.26%0.65
LNC logoLNCLincoln National CorporationDirect Competitor6.41B37.622.0453.61%11.43%20.18%0.77
AFL logoAFLAflac IncorporatedDirect Competitor58.42B113.4016.60-8.84%21%13.05%0.29
UNM logoUNMUnum GroupDirect Competitor12.96B80.2718.752.07%5.87%7.07%0.35
PFG logoPFGPrincipal Financial Group, Inc.Direct Competitor22B101.5519.34-3.11%7.58%9.89%0.34
AIG logoAIGAmerican International Group, Inc.Product Competitor41.69B77.6914.31-1.82%11.86%7.7%0.22
GNW logoGNWGenworth Financial, Inc.Product Competitor3.55B9.1716.98-10.86%3.62%2.54%0.15

Compare PRH vs Peers

Prudential Financial, Inc. 5.95 (PRH) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs MET

Most directly comparable listed peer for PRH.

Scale Benchmark

vs JPM

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

Peer Set

Compare Top 5

vs MET, PRU, LNC, AFL

PRH Income Statement

Prudential Financial, Inc. 5.95 (PRH) 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'25TTM
Revenue59.69B62.99B64.81B57.09B71.18B54.58B53.98B70.41B60.77B62.83B
Revenue Growth %1.55%5.53%2.88%-11.91%24.69%-23.32%-1.11%30.43%-13.68%4.08%
Medical Costs & Claims0000000035.22B18.9B
Medical Cost Ratio %0%0%0%0%0%0%0%0%57.96%30.09%
Gross Profit
59.69B▲ 0%
62.99B▲ 5.5%
64.81B▲ 2.9%
57.09B▼ 11.9%
71.18B▲ 24.7%
54.58B▼ 23.3%
53.98B▼ 1.1%
70.41B▲ 30.4%
25.55B▼ 63.7%
28.4B▲ 0%
Gross Margin %100%100%100%100%100%100%100%100%42.04%45.2%
Gross Profit Growth %1.55%5.53%2.88%-11.91%24.69%-23.32%-1.11%30.43%-63.71%-
Operating Expenses13.49B14.22B13.39B13.91B13.61B12.57B12.92B13.34B20.77B14.78B
OpEx / Revenue %22.61%22.58%20.66%24.36%19.12%23.03%23.94%18.95%34.17%23.52%
Depreciation & Amortization222M161M00204M117M-70M0128M-193M
Combined Ratio %22.61%22.58%20.66%24.36%19.12%23.03%23.94%18.95%92.13%53.6%
Operating Income
6.6B▲ 0%
4.83B▼ 26.8%
51.42B▲ 963.5%
43.19B▼ 16.0%
10.44B▼ 75.8%
-989M▼ 109.5%
41.06B▲ 4251.5%
57.06B▲ 39.0%
4.79B▼ 91.6%
13.63B▲ 0%
Operating Margin %11.06%7.68%79.34%75.64%14.67%-1.81%76.06%81.05%7.87%21.69%
Operating Income Growth %-8.09%-26.79%963.45%-16.01%-75.82%-109.47%4251.47%38.98%-91.61%-
EBITDA6.83B5B51.42B43.19B10.64B-872M40.99B57.06B4.91B13.43B
EBITDA Margin %11.44%7.93%79.34%75.64%14.95%-1.6%75.93%81.05%8.08%21.38%
Interest Expense0000364M708M000533M
Non-Operating Income0051.42B43.19B1.06B903M37.99B57.06B010.55B
Pretax Income
6.49B▲ 0%
4.83B▼ 25.5%
5.18B▲ 7.3%
-227M▼ 104.4%
9.47B▲ 4270.9%
-1.95B▼ 120.6%
3.12B▲ 259.7%
3.35B▲ 7.4%
4.79B▲ 42.7%
3.83B▲ 0%
Pretax Margin %10.87%7.67%8%-0.4%13.3%-3.58%5.78%4.76%7.87%6.1%
Income Tax-1.44B822M947M-81M1.67B-279M613M507M1.05B246.58M
Effective Tax Rate %-22.17%17%18.26%35.68%17.68%14.28%19.64%15.12%22.01%6.43%
Net Income
7.77B▲ 0%
4.03B▼ 48.2%
4.19B▲ 4.0%
-374M▼ 108.9%
8.87B▲ 2471.1%
-2.15B▼ 124.2%
2.49B▲ 215.9%
2.73B▲ 9.6%
3.58B▲ 31.1%
3.47B▲ 0%
Net Margin %13.01%6.39%6.46%-0.66%12.46%-3.93%4.61%3.87%5.88%5.52%
Net Income Growth %79.9%-48.17%3.97%-108.93%2471.12%-124.2%215.94%9.61%31.13%50.96%
EPS (Diluted)
17.82▲ 0%
9.45▼ 47.0%
10.11▲ 7.0%
-1.00▼ 109.9%
19.51▲ 2051.0%
-4.49▼ 123.0%
6.74▲ 250.1%
7.53▲ 11.7%
9.99▲ 32.7%
9.92▲ 0%
EPS Growth %84.28%-46.97%6.98%-109.89%2051%-123.01%250.11%11.72%32.67%54.27%
EPS (Basic)18.199.6410.23-1.0019.65-4.496.767.5710.16-
Diluted Shares Outstanding436M426.2M410.9M395.8M390.1M372.3M364.6M359.3M353.7M349.4M

PRH Balance Sheet

Prudential Financial, Inc. 5.95 (PRH) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Total Assets832.14B815.08B896.55B940.72B937.58B689.03B721.12B735.59B773.74B765.4M
Asset Growth %6.14%-2.05%10%4.93%-0.33%-26.51%4.66%2.01%5.19%-86.49%
Total Investment Assets18.5B27.89B31.53B16.1B35.13B24.07B21.06B474M666.77B2M
Long-Term Investments11.7B12.06B13.22B16.1B20.04B19.48B21.06B0666.77B666.77B
Short-Term Investments6.8B15.83B18.31B015.09B4.59B0474M6.41B0
Total Current Assets24.66B34.64B38.12B37.07B30.88B24.9B19.42B8.28B19.75B59.15B
Cash & Equivalents14.54B15.49B16.47B13.86B12.93B17.3B19.42B18.5B19.71B15.94B
Receivables00000000087.36B
Other Current Assets24.66B34.64B21.79B23.37B17.99B7.65B00-6.38B0
Goodwill & Intangibles21.77B23.12B24.64B23.75B20.77B22.04B22.46B22.34B021.67B
Goodwill843M863M3.01B3.04B1.8B876M1.07B1.05B00
Intangible Assets20.93B22.26B21.62B20.71B18.96B21.17B21.39B21.29B00
PP&E (Net)00554M466M395M340M404M000
Other Assets774.01B745.25B44.48B45.5B185.91B618.05B630.38B713.25B87.26B0
Total Liabilities777.63B766.05B832.83B872.51B874.97B657.11B691.34B705.46B738.16B730.47B
Total Debt28.47B30.73B32.13B32.35B30.23B28.02B27.24B28.77B20.3B19.83B
Net Debt13.93B15.24B15.65B18.5B17.3B10.72B837M2.12B587M3.89B
Long-Term Debt18.69B18.33B19.92B20.02B18.9B20.28B20.26B20.62B18.86B18.88B
Short-Term Debt9.78B12.4B11.77B11.97B11.04B7.48B6.78B7.84B1.44B946M
Total Current Liabilities23.78B24.27B27.36B024.8B13.58B13.26B17.46B1.72B20.47B
Accounts Payable0000000000
Deferred Revenue0000000000
Other Current Liabilities-19.43B-20.34B4.21B-24B4.25B5.82B6.48B9.62B279M19.52B
Deferred Taxes0000000000
Other Liabilities758.93B747.71B00855.77B636.46B670.88B684.84B717.58B691.12B
Total Equity
54.51B▲ 0%
49.03B▼ 10.1%
63.72B▲ 30.0%
68.21B▲ 7.0%
62.61B▼ 8.2%
31.92B▼ 49.0%
29.79B▼ 6.7%
30.13B▲ 1.1%
35.58B▲ 18.1%
31.98B▲ 0%
Equity Growth %18.28%-10.05%29.96%7.05%-8.21%-49.02%-6.68%1.14%18.11%34.22%
Shareholders Equity54.24B48.62B63.12B67.42B61.88B30.59B27.82B27.87B32.44B2.61B
Minority Interest275M414M604M785M732M1.33B1.97B2.25B3.14B2.61B
Retained Earnings28.67B30.47B32.99B30.75B36.65B31.71B32.35B33.19B34.83B34.93B
Common Stock6M6M6M6M6M6M6M6M6M6M
Accumulated OCI17.07B10.91B24.04B30.74B21.32B-3.81B-6.5B-6.71B-3.08B-3.45B
Return on Equity (ROE)15.44%7.78%7.43%-0.57%13.56%-4.54%8.06%9.1%10.88%10.23%
Return on Assets (ROA)0.96%0.49%0.49%-0.04%0.94%-0.26%0.35%0.37%0.47%0.6%
Equity / Assets6.55%6.02%7.11%7.25%6.68%4.63%4.13%4.1%4.6%4177.55%
Debt / Equity0.52x0.63x0.50x0.47x0.48x0.88x0.91x0.96x0.57x0.57x
Book Value per Share125.03115.04155.07172.33160.4985.7381.7083.85100.6091.51
Tangible BV per Share75.1060.8095.12112.34107.2626.5320.1021.66100.6091.51

PRH Cash Flow Statement

Prudential Financial, Inc. 5.95 (PRH) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations13.46B21.66B19.63B8.37B9.81B5.16B6.51B8.5B6.27B6.27B
Operating CF Growth %-9.29%60.95%-9.41%-57.36%17.26%-47.43%26.21%30.6%-26.24%1367.83%
Operating CF / Revenue %22.55%34.39%30.28%14.66%13.78%9.45%12.06%12.08%10.32%9.98%
Net Income7.86B4.07B4.19B-374M8.87B-1.65B2.49B2.73B2.3B3.47B
Depreciation & Amortization222M161M460M457M206M117M-70M383M0304M
Stock-Based Compensation263M155M231M242M284M220M257M314M186M186M
Deferred Taxes0000000000
Other Non-Cash Items-1.19B-258M1.23B4.59B-3.01B5.07B4.35B5.34B8.37B-97M
Working Capital Changes6.3B17.53B13.51B3.45B3.46B1.4B-516M-266M-4.59B5.92B
Cash from Investing-11.96B-21.63B-17.03B-16.21B-5.34B-7.64B-12.12B-28.59B-25.89B-30.6B
Capital Expenditures0000000000
Acquisitions-64M0-1.75B0000000
Purchase of Investments0000000000
Sale/Maturity of Investments0000000000
Other Investing-11.89B-21.63B-15.27B-16.21B-5.34B-7.64B-12.12B-28.59B-25.89B-30.6B
Cash from Financing-1.26B781M-1.63B4.88B-3.01B4.93B7.74B19.39B20.77B20.71B
Dividends Paid-1.3B-1.52B-1.64B-1.77B-1.81B-1.82B-1.85B-1.89B-1.93B-1.94B
Share Repurchases-1.25B-1.5B-2.5B-500M-2.5B-1.49B-1.01B-1B-1B-1B
Stock Issued00000000109M110M
Debt Issuance (Net)-1000K1000K1000K1000K-1000K1000K-1000K1000K1000K1000K
Other Financing1.89B2.68B610M6.9B2.74B6.58B10.84B20.86B20.49B21.78B
Net Change in Cash
355M▲ 0%
959M▲ 170.1%
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%
-111M▲ 0%
Exchange Rate Effect110M142M16M340M-2.38B1.91B37M-254M77M-7M
Cash at Beginning14.18B14.54B15.49B16.47B13.86B12.93B17.3B19.46B18.52B19.75B
Cash at End14.54B15.49B16.47B13.86B12.93B17.3B19.46B18.52B19.75B15.99B
Free Cash Flow
13.46B▲ 0%
21.66B▲ 61.0%
19.63B▼ 9.4%
8.37B▼ 57.4%
9.81B▲ 17.3%
5.16B▼ 47.4%
6.51B▲ 26.2%
8.5B▲ 30.6%
6.27B▼ 26.2%
9.79B▲ 0%
FCF Growth %-9.29%60.95%-9.41%-57.36%17.26%-47.43%26.21%30.6%-26.24%1162.58%
FCF Margin %22.55%34.39%30.28%14.66%13.78%9.45%12.06%12.08%10.32%15.57%
FCF per Share30.8750.8347.7621.1425.1513.8517.8623.6617.7317.73

PRH Key Ratios

Prudential Financial, Inc. 5.95 (PRH) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
Combined Ratio22.61%22.58%20.66%24.36%19.12%23.03%23.94%18.95%92.13%53.6%
Medical Cost Ratio0%0%0%0%0%0%0%0%57.96%30.09%
Return on Equity (ROE)15.44%7.78%7.43%-0.57%13.56%-4.54%8.06%9.1%10.88%10.23%
Return on Assets (ROA)0.96%0.49%0.49%-0.04%0.94%-0.26%0.35%0.37%0.47%0.6%
Equity / Assets6.55%6.02%7.11%7.25%6.68%4.63%4.13%4.1%4.6%4177.55%
Book Value / Share125.03115.04155.07172.33160.4985.7381.783.85100.691.51
Debt / Equity0.52x0.63x0.50x0.47x0.48x0.88x0.91x0.96x0.57x0.57x
Revenue Growth1.55%5.53%2.88%-11.91%24.69%-23.32%-1.11%30.43%-13.68%4.08%

PRH SEC Filings & Documents

Prudential Financial, Inc. 5.95 (PRH) 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

4
FY 2026

May 6, 2026·SEC

FY 2025

Oct 30, 2025·SEC

FY 2025

Jul 31, 2025·SEC

PRH Frequently Asked Questions

Prudential Financial, Inc. 5.95 (PRH) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Prudential Financial, Inc. 5.95 (PRH) saw revenue decline by 13.7% over the past year.

Yes, Prudential Financial, Inc. 5.95 (PRH) is profitable, generating $3.47B in net income for fiscal year 2025 (5.9% net margin).

Dividend & Returns

Yes, Prudential Financial, Inc. 5.95 (PRH) pays a dividend with a yield of 22.82%. This makes it attractive for income-focused investors.

Prudential Financial, Inc. 5.95 (PRH) has a return on equity (ROE) of 10.9%. This is reasonable for most industries.

Industry Metrics

Prudential Financial, Inc. 5.95 (PRH) has a combined ratio of 92.1%. A ratio below 100% indicates underwriting profitability.

Explore More PRH

Prudential Financial, Inc. 5.95 (PRH) financial analysis — history, returns, DCA and operating performance tools

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

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Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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