Latest Ratios: P/E Ratio 2.2x · EV/EBITDA 4.3x · ROE 10.9%. (2012–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $7.6B | $8.4B | $8.4B | $9.1B | $9.1B | $10.6B | $11.3B | $11.2B | $10.1B | — | — |
| Enterprise Value | $21.1B | $22.0B | $18.9B | $17.2B | $20.2B | $28.2B | $30.1B | $27.3B | $25.3B | — | — |
| P/E Ratio → | 2.18 | 2.38 | 3.10 | 3.70 | — | 1.21 | — | 2.70 | 2.49 | — | — |
| P/S Ratio | 0.12 | 0.14 | 0.12 | 0.17 | 0.16 | 0.15 | 0.20 | 0.17 | 0.16 | — | — |
| P/B Ratio | 0.22 | 0.24 | 0.28 | 0.30 | 0.29 | 0.17 | 0.17 | 0.18 | 0.21 | — | — |
| P/FCF | 1.21 | 1.34 | 0.98 | 1.40 | 1.77 | 1.08 | 1.35 | 0.57 | 0.47 | — | — |
| P/OCF | 1.21 | 1.34 | 0.98 | 1.40 | 1.77 | 1.08 | 1.35 | 0.57 | 0.47 | — | — |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.36 | 0.27 | 0.32 | 0.36 | 0.40 | 0.53 | 0.42 | 0.40 | — | — |
| EV / EBITDA | 4.30 | 4.47 | 5.07 | 5.63 | — | 2.92 | 131.05 | 4.84 | 4.99 | — | — |
| EV / EBIT | 4.41 | 4.59 | 5.65 | 5.51 | — | 2.98 | — | 5.27 | 5.16 | — | — |
| EV / FCF | — | 3.50 | 2.23 | 2.64 | 3.92 | 2.87 | 3.60 | 1.39 | 1.17 | — | — |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 42.0% | 42.0% | 33.1% | 42.7% | 28.2% | 45.8% | 38.5% | 43.2% | 37.4% | 43.4% | 42.8% |
| Operating Margin | 7.9% | 7.9% | 4.8% | 5.8% | -3.4% | 13.3% | -0.4% | 8.0% | 7.8% | 11.0% | 9.8% |
| Net Profit Margin | 5.9% | 5.9% | 3.9% | 4.6% | -2.9% | 10.9% | -0.7% | 6.5% | 6.5% | 13.2% | 7.4% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 10.9% | 10.9% | 9.1% | 8.1% | -3.5% | 11.8% | -0.6% | 7.4% | 7.9% | 15.6% | 9.9% |
| ROA | 0.5% | 0.5% | 0.4% | 0.4% | -0.2% | 0.8% | -0.0% | 0.5% | 0.5% | 1.0% | 0.6% |
| ROIC | 8.0% | 8.0% | 6.4% | 5.8% | -2.4% | 8.5% | -0.2% | 5.4% | 5.5% | 7.6% | 7.1% |
| ROCE | 0.6% | 0.6% | 0.5% | 0.4% | -0.2% | 1.0% | -0.0% | 0.6% | 0.6% | 0.8% | 0.7% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.94 | 0.94 | 0.97 | 0.92 | 0.89 | 0.49 | 0.48 | 0.51 | 0.63 | 0.52 | 0.63 |
| Debt / EBITDA | 6.77 | 6.77 | 7.79 | 9.03 | — | 3.16 | 142.21 | 5.77 | 6.06 | 4.21 | 4.76 |
| Net Debt / Equity | — | 0.38 | 0.35 | 0.27 | 0.35 | 0.28 | 0.28 | 0.25 | 0.31 | 0.26 | 0.32 |
| Net Debt / EBITDA | 2.75 | 2.75 | 2.83 | 2.65 | — | 1.82 | 81.97 | 2.85 | 3.01 | 2.06 | 2.43 |
| Debt / FCF | — | 2.16 | 1.24 | 1.24 | 2.15 | 1.79 | 2.25 | 0.82 | 0.70 | 1.04 | 0.99 |
| Interest Coverage | — | — | — | — | — | — | — | — | — | — | — |
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | — | — | — | — | — | — | — | — | — | — | — |
| Quick Ratio | — | — | — | — | — | — | — | — | — | — | — |
| Cash Ratio | — | — | — | — | — | — | — | — | — | — | — |
| Asset Turnover | — | 0.08 | 0.10 | 0.07 | 0.08 | 0.08 | 0.06 | 0.07 | 0.08 | 0.07 | 0.07 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 25.0% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 53.9% | 53.9% | 69.3% | 74.2% | — | 23.5% | — | 39.2% | 37.3% | 16.5% | 29.8% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 45.8% | 41.9% | 32.3% | 27.0% | — | 82.5% | — | 37.1% | 40.2% | — | — |
| FCF Yield | 82.7% | 74.4% | 101.6% | 71.5% | 56.6% | 92.6% | 74.1% | 175.1% | 215.0% | — | — |
| Buyback Yield | 13.2% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 38.2% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $354M | $360M | $365M | $372M | $390M | $396M | $411M | $426M | $436M | $447M |
Capital base erosion volatility
As indicated by the current P/B ratio of 0.22, the market appears to be pricing in significant skepticism regarding the company's book value integrity, a stark departure from the historical valuation levels observed in the provided quarterly data which previously hovered near 90.0.
The current valuation multiple suggests that investors are heavily discounting the equity base, likely due to concerns over the volatility of reserves and the impact of market-driven accounting adjustments. This deep discount warrants investigation into whether the current book value accurately reflects the underlying economic capital or if it remains artificially inflated by unrealized gains that may not be fully realizable.
Based on the quarterly figures, the combined ratio has fluctuated between 88.8% and 100.9%, demonstrating that while the firm maintains a core underwriting profit, the volatility in loss ratios suggests an inconsistent ability to price risk effectively across all reporting periods.
The periodic breach of the 100% combined ratio threshold in 2024Q4 indicates that underwriting profitability is susceptible to sudden spikes in claims or reserve adjustments. Analysts should monitor whether the recent trend toward higher loss ratios represents a structural shift in risk exposure or merely transitory noise from actuarial assumption updates.
According to recent financial statements, the dramatic contraction in the equity base to 2.6 billion has significantly altered the firm's leverage profile, creating a precarious situation where the company's ability to absorb further market-driven shocks appears increasingly limited compared to previous quarters.
The rapid decline in equity relative to total liabilities suggests that the company's underwriting leverage has reached a point of potential vulnerability. This shift necessitates a cautious approach, as the reduced capital buffer may constrain the firm's operational flexibility and its capacity to maintain historical levels of shareholder capital returns.
Investors frequently misapply the P/E ratio to this insurer, which obscures the reality that earnings are heavily influenced by non-cash accounting adjustments and investment portfolio volatility rather than pure operational performance, as evidenced by the extreme variance in quarterly net income.
The P/E ratio is fundamentally flawed for this entity because it fails to account for the massive, non-operating fluctuations inherent in long-duration insurance accounting. A more appropriate focus for analysts would be the combined ratio for underwriting health and the return on equity adjusted for AOCI to better capture the true economic profitability of the business.
Includes 30+ ratios · 14 years · Updated daily
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Quick answers to the most common questions about buying PRS stock.
Prudential Financial, Inc. 5.62's current P/E ratio is 2.2x. The historical average is 2.6x. This places it at the 17th percentile of its historical range.
Prudential Financial, Inc. 5.62's current EV/EBITDA is 4.3x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 4.7x.
Prudential Financial, Inc. 5.62's return on equity (ROE) is 10.9%. The historical average is 6.7%.
Based on historical data, Prudential Financial, Inc. 5.62 is trading at a P/E of 2.2x. This is at the 17th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Prudential Financial, Inc. 5.62's current dividend yield is 24.99% with a payout ratio of 53.9%.
Prudential Financial, Inc. 5.62 has 42.0% gross margin and 7.9% operating margin.
Prudential Financial, Inc. 5.62's Debt/EBITDA ratio is 6.8x, indicating high leverage. A ratio above 4x may signal elevated financial risk.