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PRS logoPrudential Financial, Inc. 5.62(PRS)Earnings, Financials & Key Ratios

PRS•NYSE•Insurance & Managed Care
$22.89
$8.03B mkt cap·2.3× 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. 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$60.77B-13.7%
  • Combined Ratio92.13%-3.3%
  • Net Income$3.58B+31.1%
  • Return on Equity10.88%+19.7%
  • Medical Cost Ratio57.96%-13.4%
  • Operating Margin7.87%+65.3%
  • Net Margin5.88%+51.9%
  • ROA0.47%+26.6%
  • Equity / Assets4.6%+12.3%
  • Book Value per Share100.60+20.3%
  • Tangible BV/Share34.42-58.8%
  • Debt/Equity0.94-3.1%
Technical→

PRS Key Insights

Prudential Financial, Inc. 5.62 (PRS) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Profitable underwriting: 92.1% combined ratio
  • ✓14 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.

PRS Price & Volume

Prudential Financial, Inc. 5.62 (PRS) stock price & volume — 10-year historical chart

Loading chart...

PRS Growth Metrics

Prudential Financial, Inc. 5.62 (PRS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years0.62%
5 Years1.28%
3 Years2.23%
TTM-13.68%

Profit CAGR

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

EPS CAGR

10 Years-1.95%
5 Years-
3 Years-
TTM100100%

Return on Capital

10 Years0.5%
5 Years0.46%
3 Years0.51%
Last Year0.63%

PRS Recent Earnings

Prudential Financial, Inc. 5.62 (PRS) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 1/7 qtrs (25%)●Beat Revenue 2/7 qtrs (50%)
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
$4.05
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%
Q2 2025
Apr 30, 2025
EPS
$1.99
Est $3.18
-37.4%
Revenue
$13.5B
Est $14.4B
-6.7%
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
$4.05vs $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%
Q2 2025Apr 30, 2025
$1.99vs $3.18-37.4%
$13.5Bvs $14.4B-6.7%
Based on last 7 quarters of dataView full earnings history →

PRS Peer Comparison

Prudential Financial, Inc. 5.62 (PRS) 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
PRU logoPRUPrudential Financial, Inc.Direct Competitor34.89B100.279.81-14.01%5.87%10.54%17.97%0.94
AFL logoAFLAflac IncorporatedDirect Competitor58.97B114.4616.76-8.84%21%13.05%4.33%0.29
UNM logoUNMUnum GroupDirect Competitor13.05B80.8318.892.07%5.87%7.07%4.25%0.35
GL logoGLGlobe Life Inc.Direct Competitor12.09B154.1410.963.82%19.36%20.64%10.37%0.44
AIG logoAIGAmerican International Group, Inc.Product Competitor42.1B78.4714.45-1.82%11.86%7.7%7.87%0.22
PFG logoPFGPrincipal Financial Group, Inc.Product Competitor21.86B100.8719.21-3.11%7.58%9.89%20.31%0.34

Compare PRS vs Peers

Prudential Financial, Inc. 5.62 (PRS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs MET

Most directly comparable listed peer for PRS.

Scale Benchmark

vs MS

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

Peer Set

Compare Top 5

vs MET, LNC, PRU, AFL

PRS Income Statement

Prudential Financial, Inc. 5.62 (PRS) 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
Revenue59.69B62.99B64.81B57.03B70.93B56.88B53.98B70.41B60.77B
Revenue Growth %1.55%5.53%2.88%-12%24.37%-19.81%-5.1%30.43%-13.68%
Medical Costs & Claims33.79B39.4B36.82B35.06B38.46B40.82B30.93B47.12B35.22B
Medical Cost Ratio %56.62%62.55%56.81%61.47%54.22%71.76%57.3%66.93%57.96%
Gross Profit
25.89B▲ 0%
23.59B▼ 8.9%
27.99B▲ 18.6%
21.97B▼ 21.5%
32.48B▲ 47.8%
16.07B▼ 50.5%
23.05B▲ 43.5%
23.29B▲ 1.0%
25.55B▲ 9.7%
Gross Margin %43.38%37.45%43.19%38.53%45.78%28.24%42.7%33.07%42.04%
Gross Profit Growth %2.97%-8.91%18.65%-21.49%47.79%-50.53%43.47%1.03%9.72%
Operating Expenses19.36B18.68B22.8B22.2B23.01B18.02B19.93B19.93B20.77B
OpEx / Revenue %32.43%29.65%35.18%38.93%32.44%31.68%36.92%28.31%34.17%
Depreciation & Amortization222M161M460M457M204M117M-70M383M128M
Combined Ratio %89.05%92.21%92%100.4%86.65%103.44%94.22%95.24%92.13%
Operating Income
6.54B▲ 0%
4.91B▼ 24.9%
5.18B▲ 5.6%
-227M▼ 104.4%
9.47B▲ 4270.9%
-1.95B▼ 120.6%
3.12B▲ 259.7%
3.35B▲ 7.4%
4.79B▲ 42.7%
Operating Margin %10.95%7.79%8%-0.4%13.35%-3.44%5.78%4.76%7.87%
Operating Income Growth %13.59%-24.88%5.6%-104.38%4270.93%-120.64%259.72%7.43%42.71%
EBITDA6.76B5.07B5.64B230M9.67B-1.84B3.05B3.74B4.91B
EBITDA Margin %11.32%8.05%8.71%0.4%13.64%-3.23%5.65%5.31%8.08%
Interest Expense000000000
Non-Operating Income000000000
Pretax Income
6.54B▲ 0%
4.91B▼ 24.9%
5.18B▲ 5.6%
-227M▼ 104.4%
9.47B▲ 4270.9%
-1.95B▼ 120.6%
3.12B▲ 259.7%
3.35B▲ 7.4%
4.79B▲ 42.7%
Pretax Margin %10.95%7.79%8%-0.4%13.35%-3.44%5.78%4.76%7.87%
Income Tax-1.44B822M947M-81M1.67B-279M613M507M1.05B
Effective Tax Rate %-22%16.74%18.26%35.68%17.68%14.28%19.64%15.12%22.01%
Net Income
7.86B▲ 0%
4.07B▼ 48.2%
4.19B▲ 2.7%
-374M▼ 108.9%
7.72B▲ 2165.2%
-1.65B▼ 121.3%
2.49B▲ 251.1%
2.73B▲ 9.6%
3.58B▲ 31.1%
Net Margin %13.17%6.47%6.46%-0.66%10.89%-2.9%4.61%3.87%5.88%
Net Income Growth %80.01%-48.19%2.75%-108.93%2165.24%-121.32%251.06%9.61%31.13%
EPS (Diluted)
17.86▲ 0%
9.50▼ 46.8%
10.11▲ 6.4%
-1.00▼ 109.9%
22.40▲ 2340.0%
-4.49▼ 120.0%
6.74▲ 250.1%
7.50▲ 11.3%
9.99▲ 33.2%
EPS Growth %83.93%-46.81%6.42%-109.89%2340%-120.04%250.11%11.28%33.2%
EPS (Basic)18.199.6410.23-1.0022.56-4.496.767.5410.05
Diluted Shares Outstanding436M426.2M410.9M395.8M390.1M372.3M364.6M360.27M353.7M

PRS Balance Sheet

Prudential Financial, Inc. 5.62 (PRS) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Total Assets832.14B815.08B896.55B940.72B937.58B689.03B721.21B735.59B773.74B
Asset Growth %6.14%-2.05%10%4.93%-0.33%-26.51%4.67%1.99%5.19%
Total Investment Assets776.49B758.38B835.04B880.9B738.34B615.12B633.62B638.15B666.77B
Long-Term Investments776.49B758.38B835.04B880.9B738.34B615.12B633.62B638.15B666.77B
Short-Term Investments000000000
Total Current Assets14.54B15.49B16.47B13.86B12.93B17.3B19.46B18.52B19.75B
Cash & Equivalents14.54B15.49B16.47B13.86B12.93B17.3B19.46B18.52B19.75B
Receivables000000000
Other Current Assets24.66B34.64B38.12B37.07B30.88B24.9B28.69B41.83B0
Goodwill & Intangibles0000000023.41B
Goodwill000000001.09B
Intangible Assets0000000022.32B
PP&E (Net)00554M466M395M340M286M373M366M
Other Assets41.11B41.2B44.48B45.5B185.91B52.06B67.84B78.54B63.45B
Total Liabilities777.63B766.05B832.83B872.51B874.97B657.11B691.34B705.46B738.16B
Total Debt28.47B30.73B32.57B32.71B30.54B28.39B27.55B29.09B33.28B
Net Debt13.93B15.24B16.1B18.85B17.6B11.09B8.09B10.57B13.53B
Long-Term Debt18.69B18.33B20.36B20.38B19.2B20.65B20.57B20.93B21.83B
Short-Term Debt9.78B12.4B11.77B11.97B11.04B7.36B6.67B7.84B11.13B
Total Current Liabilities000000000
Accounts Payable000000000
Deferred Revenue000000000
Other Current Liabilities14B11.87B15.59B15.52B13.76B6.38B6.48B9.62B-11.13B
Deferred Taxes000000000
Other Liabilities758.93B747.71B812.03B851.78B855.47B636.09B670.46B684.22B716.01B
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%
29.88B▼ 6.4%
30.13B▲ 0.8%
35.58B▲ 18.1%
Equity Growth %18.28%-10.05%29.96%7.05%-8.21%-49.02%-6.4%0.84%18.11%
Shareholders Equity54.24B48.62B63.12B67.42B61.88B30.59B27.82B27.87B32.44B
Minority Interest275M414M604M785M732M1.33B2.06B2.25B3.14B
Retained Earnings28.67B30.47B32.99B30.75B36.65B31.71B32.35B33.19B34.83B
Common Stock6M6M6M6M6M6M6M6M6M
Accumulated OCI17.07B10.91B24.04B30.74B21.32B-3.81B-6.5B-6.71B-3.08B
Return on Equity (ROE)15.63%7.87%7.43%-0.57%11.81%-3.48%8.05%9.09%10.88%
Return on Assets (ROA)0.97%0.49%0.49%-0.04%0.82%-0.2%0.35%0.37%0.47%
Equity / Assets6.55%6.02%7.11%7.25%6.68%4.63%4.14%4.1%4.6%
Debt / Equity0.52x0.63x0.51x0.48x0.49x0.89x0.92x0.97x0.94x
Book Value per Share125.03115.04155.07172.33160.4985.7381.9483.62100.60
Tangible BV per Share125.03115.04155.07172.33160.4985.7381.9483.6234.42

PRS Cash Flow Statement

Prudential Financial, Inc. 5.62 (PRS) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations13.46B21.66B19.63B8.37B9.81B5.16B6.51B8.5B6.27B
Operating CF Growth %-9.29%60.95%-9.41%-57.36%17.26%-47.43%26.21%30.6%-26.24%
Operating CF / Revenue %22.55%34.39%30.28%14.67%13.83%9.07%12.06%12.08%10.32%
Net Income7.86B4.07B4.19B-374M7.72B-1.65B2.49B2.73B2.34B
Depreciation & Amortization000000000
Stock-Based Compensation00000000186M
Deferred Taxes000000000
Other Non-Cash Items911M9M2.26B5.71B-1.21B7B4.98B6.19B8.34B
Working Capital Changes4.69B17.58B13.18B3.03B3.3B-194M-958M-412M-4.59B
Cash from Investing-11.96B-21.63B-17.03B-16.21B-5.34B-7.64B-12.12B-28.59B-25.89B
Capital Expenditures000000000
Acquisitions-64M0-1.75B1.45B132M422M000
Purchase of Investments-153.89B-157.19B-135.32B-152.55B-143.71B-125.33B-103.49B-140.95B0
Sale/Maturity of Investments142.72B135.75B120.49B135.16B138.83B117.37B92.05B112.41B0
Other Investing-723M-188M-437M-278M-596M-98M-676M-50M-25.89B
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 Issued246M132M133M153M200M163M126M201M109M
Debt Issuance (Net)1000K1000K1000K1000K-1000K-1000K-1000K1000K1000K
Other Financing791M1.22B642M6.27B2.2B8.17B10.86B17.36B20.49B
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%
Exchange Rate Effect110M142M16M340M-2.38B1.91B37M-254M77M
Cash at Beginning14.18B14.54B15.49B16.47B13.86B12.93B17.3B19.46B18.52B
Cash at End14.54B15.49B16.47B13.86B12.93B17.3B19.46B18.52B19.75B
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%
FCF Growth %-9.29%60.95%-9.41%-57.36%17.26%-47.43%26.21%30.6%-26.24%
FCF Margin %22.55%34.39%30.28%14.67%13.83%9.07%12.06%12.08%10.32%
FCF per Share30.8750.8347.7621.1425.1513.8517.8623.617.73

PRS Key Ratios

Prudential Financial, Inc. 5.62 (PRS) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Combined Ratio90.21%89.05%92.21%92%100.4%86.65%103.44%94.22%95.24%92.13%
Medical Cost Ratio57.22%56.62%62.55%56.81%61.47%54.22%71.76%57.3%66.93%57.96%
Return on Equity (ROE)9.93%15.63%7.87%7.43%-0.57%11.81%-3.48%8.05%9.09%10.88%
Return on Assets (ROA)0.57%0.97%0.49%0.49%-0.04%0.82%-0.2%0.35%0.37%0.47%
Equity / Assets5.88%6.55%6.02%7.11%7.25%6.68%4.63%4.14%4.1%4.6%
Book Value / Share103.2125.03115.04155.07172.33160.4985.7381.9483.62100.6
Debt / Equity0.63x0.52x0.63x0.51x0.48x0.49x0.89x0.92x0.97x0.94x
Revenue Growth2.91%1.55%5.53%2.88%-12%24.37%-19.81%-5.1%30.43%-13.68%

PRS SEC Filings & Documents

Prudential Financial, Inc. 5.62 (PRS) 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

PRS Frequently Asked Questions

Prudential Financial, Inc. 5.62 (PRS) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Prudential Financial, Inc. 5.62 (PRS) saw revenue decline by 13.7% over the past year.

Yes, Prudential Financial, Inc. 5.62 (PRS) is profitable, generating $3.58B in net income for fiscal year 2025 (5.9% net margin).

Dividend & Returns

Yes, Prudential Financial, Inc. 5.62 (PRS) pays a dividend with a yield of 23.79%. This makes it attractive for income-focused investors.

Prudential Financial, Inc. 5.62 (PRS) has a return on equity (ROE) of 10.9%. This is reasonable for most industries.

Industry Metrics

Prudential Financial, Inc. 5.62 (PRS) has a combined ratio of 92.1%. A ratio below 100% indicates underwriting profitability.

Explore More PRS

Prudential Financial, Inc. 5.62 (PRS) 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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