PRU's combined ratio improved from 101.2% in Q4 2024 to 85.1% in Q3 2026, suggesting underwriting discipline has strengthened materially, and equity recovered from $27.9B to $32.4B before easing to $29.5B.
Price trend, volume and key moving averages
Start with the evidence for owning the stock and the risks that can break the thesis.
Income trends suggest a recovering underwriting profile, with the combined ratio falling from 101.2% to 85.1% and Q3 2026 net income of $1.4B on $14.4B revenue, though revenue volatility and a 19.5% year-over-year decline warrant monitoring.
Prudential is positioned to capture long‑term growth in Asia and Africa where insurance penetration remains low and demand is rising. In Hong Kong, the company holds a market‑leading position for products targeting mainland Chinese visitors, underscoring its regional strength.
New business profit on a traditional embedded value basis grew 12% to $2,782 million, with a new business margin of 42%. Operating free surplus rose 15% to $3,059 million, while revenue climbed 19.51% to $14.43 billion and earnings surged 74.09% to $3.98 billion.
Prudential declared a 15% dividend increase to 26.60 cents per share in 2025 and completed a $2 billion share buyback. It launched an additional $1.2 billion buyback in 2026 and plans a $1.3 billion capital return in 2027.
Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q4 2026Latest Nov 3, 2026 | $3.77+13.2% vs $3.33 | $13.9B-4.9% vs $14.7B |
Q3 2026 Aug 4, 2026 | $4.08+15.9% vs $3.52 | $14.2B-1.4% vs $14.4B |
Q2 2026 May 5, 2026 | $3.61+16.8% vs $3.09 | $15.2B+8.0% vs $14.1B |
Q1 2026 Feb 3, 2026 | $3.30-2.1% vs $3.37 | $14.5B-1.0% vs $14.7B |
Prudential Financial (NYSE: PRU - Get Free Report) and Employers (NYSE: EIG - Get Free Report) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their institutional ownership, dividends, valuation, risk, analyst recommendations, earnings and profitability. Analyst Ratings This is a summary of recent ratings
NEWARK, N.J.--(BUSINESS WIRE)--Prudential Financial, Inc. (NYSE: PRU) today launched Claims Insight Assistant (CIA), a new AI-powered capability designed to help employers more easily understand and track disability and absence claims.Available through Prudential's Benefit Center Employer Portal, Claims Insight Assistant generates concise claim summaries that highlight claim status, recent activity, and next steps, helping employers and benefits administrators respond to employee questions with.
Prudential Financial, Inc. ( PRU ) Q3 2026 Earnings Call November 4, 2026 11:00 AM EST Company Participants Tina Madon - Global Head of Investor Relations Andrew Sullivan - Chairman, CEO & President Yanela del Frias - Executive VP & CFO Conference Call Participants Thomas Gallagher - Evercore ISI Institutional Equities, Research Division Joel Hurwitz - Dowling & Partners Securities, LLC Ryan Krueger - Keefe, Bruyette, & Woods, Inc., Research Division Suneet Kamath - Jefferies LLC, Research Division Pablo Singzon - JPMorgan Chase & Co, Research Division Wesley Carmichael - Wells Fargo Securities, LLC, Research Division Francis Matten - BMO Capital Markets Equity Research Tracy Benguigui - Wolfe Research, LLC Wilma Jackson Burdis - Raymond James & Associates, Inc., Research Division Yaron Kinar - Mizuho Securities USA LLC, Research Division Taylor Scott - Barclays Bank PLC, Research Division Michael Ward - UBS Investment Bank, Research Division Presentation Operator Ladies and gentlemen, thank you for standing by. Welcome to Prudential's quarterly earnings conference call.
Prudential's Q3 2026 earnings beat estimates by 13.9%, driven by PGIM and U.S. protection strength, despite revenue declines and Japan business headwinds.
Benchmark PRU against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for Prudential Financial, Inc. (PRU)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $119.24 | $41.38B | 10.92 | -13.74% | 6.17% | 11.21% | 4.62% | |
| $98.27 | $63.23B | 12.27 | 10.22% | 6.23% | 19.1% | 2.31% | |
| $40.05 | $7.66B | 2.38 | 1.24% | 16.36% | 31.63% | 4.36% | |
| $76.75 | $12.15B | 50.03 | 2.07% | 1.96% | 2.23% | 2.31% | |
| $110.91 | $23.96B | 12.24 | -3.11% | 11.82% | 15.77% | 2.73% | |
| $8.70 | $3.33B | 59.39 | -10.86% | 0.8% | 0.56% | — |
Prudential Financial, Inc. (PRU) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Verify the primary filings, follow material updates, and answer the remaining questions.
Prudential Financial, Inc. (PRU) SEC filings — annual & quarterly reports (10-K, 10-Q)
Nov 3, 2026·SEC
Oct 20, 2026·SEC
Oct 15, 2026·SEC
Feb 12, 2026·SEC
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Prudential Financial, Inc. (PRU) stock FAQ — growth, dividends, profitability & financials explained
Prudential Financial, Inc. (PRU) grew revenue by 5.9% over the trailing twelve months, compared with the twelve months before.
Yes. Prudential Financial, Inc. (PRU) earned $3.78B in net income over the trailing twelve months (a 6.2% net margin).
Yes. Prudential Financial, Inc. (PRU) pays a dividend that yields 4.62% at the current price, a high yield.
Prudential Financial, Inc. (PRU) had a return on equity (ROE) of 11.2% over the trailing twelve months. That is in line with the market's typical 10-15%.
Prudential Financial, Inc. (PRU) has a combined ratio of 92.4%. A ratio below 100% indicates underwriting profitability.
