Prudential Financial, Inc. (PRU) Financial Ratios
25 years of historical data (2001–2025) · Financial Services · Insurance - Life
EV/EBITDA
↑
7.70
↓-21% vs avg
5yr avg: 9.73
30Y Low4.2·High34.4
P/FCF
↑
5.51
-3% vs avg
5yr avg: 5.66
30Y Low1.2·High9.7
P/B Ratio
↑
0.98
↓-13% vs avg
5yr avg: 1.12
30Y Low0.5·High1.9
ROE
↓
10.9%
↓+43% vs avg
5yr avg: 7.6%
30Y Low-6%·High16%
Debt/EBITDA
↑
4.67
↓-4% vs avg
5yr avg: 4.85
30Y Low1.8·High28.5
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
PRU Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Prudential Financial, Inc. trades at 9.7x earnings, 19% below its 5-year average of 11.9x, sitting at the 35th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.1x, the stock trades at a discount of 26%. On a free-cash-flow basis, the stock trades at 5.5x P/FCF, roughly in line with the 5-year average of 5.7x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $34.6B | $39.5B | $42.6B | $37.8B | $37.0B | $42.2B | $30.9B | $38.5B | $34.8B | $50.1B | $44.7B |
| Enterprise Value | $37.8B | $42.7B | $45.7B | $39.3B | $40.8B | $49.0B | $38.1B | $44.0B | $40.2B | $55.7B | $51.9B |
| P/E Ratio → | 9.73 | 11.05 | 15.80 | 15.39 | — | 5.55 | — | 9.27 | 8.58 | 6.44 | 10.72 |
| P/S Ratio | 0.57 | 0.65 | 0.60 | 0.70 | 0.65 | 0.59 | 0.54 | 0.59 | 0.55 | 0.84 | 0.76 |
| P/B Ratio | 0.98 | 1.11 | 1.41 | 1.27 | 1.16 | 0.67 | 0.45 | 0.60 | 0.71 | 0.92 | 0.97 |
| P/FCF | 5.51 | 6.30 | 5.01 | 5.81 | 7.18 | 4.00 | 3.73 | 2.43 | 1.60 | 4.50 | 3.45 |
| P/OCF | 5.51 | 6.30 | 5.01 | 5.81 | 7.18 | 4.30 | 3.69 | 1.96 | 1.60 | 3.73 | 3.02 |
P/E links to full P/E history page with 30-year chart
PRU EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Prudential Financial, Inc.'s enterprise value stands at 7.7x EBITDA, 21% below its 5-year average of 9.7x. The Financial Services sector median is 11.5x, placing the stock at a 33% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.70 | 0.65 | 0.72 | 0.72 | 0.69 | 0.67 | 0.68 | 0.64 | 0.93 | 0.88 |
| EV / EBITDA | 7.70 | 8.70 | 12.71 | 13.08 | — | 4.43 | 284.68 | 7.94 | 8.05 | 8.30 | 8.62 |
| EV / EBIT | 7.91 | 8.93 | 14.23 | 12.78 | — | 4.52 | — | 8.66 | 8.31 | 8.59 | 9.10 |
| EV / FCF | — | 6.82 | 5.37 | 6.03 | 7.92 | 4.64 | 4.61 | 2.78 | 1.86 | 5.00 | 4.00 |
PRU Profitability
Margins and return-on-capital ratios measuring operating efficiency
Prudential Financial, Inc. earns an operating margin of 7.9%, below the Financial Services sector average of 21.6%. Operating margins have expanded from 5.7% to 7.9% over the past 3 years, signaling improving operational efficiency. ROE of 10.9% is modest. ROIC of 10.0% represents adequate returns on invested capital versus a sector median of 5.7%.
Margins
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% | 24.8% | 32.4% | 20.9% | 39.7% | 26.7% | 32.0% | 28.8% | 34.3% | 33.2% |
| Operating Margin | 7.9% | 7.9% | 4.5% | 5.7% | -3.3% | 15.2% | -0.6% | 7.8% | 7.7% | 10.9% | 9.7% |
| Net Profit Margin | 5.9% | 5.9% | 3.9% | 4.6% | -2.9% | 12.5% | -0.7% | 6.5% | 6.5% | 13.2% | 7.4% |
Return on Capital
| 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% | 13.6% | -0.6% | 7.4% | 7.9% | 15.7% | 9.9% |
| ROA | 0.5% | 0.5% | 0.4% | 0.4% | -0.2% | 0.9% | -0.0% | 0.5% | 0.5% | 1.0% | 0.6% |
| ROIC | 10.0% | 10.0% | 7.5% | 6.9% | -2.7% | 11.2% | -0.3% | 6.2% | 6.3% | 8.6% | 8.0% |
| ROCE | 0.9% | 0.9% | 0.4% | 0.4% | -0.2% | 1.2% | -0.0% | 6.8% | 6.9% | 9.5% | 9.1% |
PRU Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Prudential Financial, Inc. carries a Debt/EBITDA ratio of 4.7x, which is highly leveraged (13% above the sector average of 4.1x). Net debt stands at $3.2B ($23.0B total debt minus $19.7B cash). Interest coverage of just 2.3x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.65 | 0.65 | 0.72 | 0.70 | 0.66 | 0.31 | 0.31 | 0.34 | 0.42 | 0.37 | 0.46 |
| Debt / EBITDA | 4.67 | 4.67 | 6.01 | 6.95 | — | 1.78 | 156.33 | 3.94 | 4.16 | 2.99 | 3.54 |
| Net Debt / Equity | — | 0.09 | 0.10 | 0.05 | 0.12 | 0.11 | 0.11 | 0.09 | 0.11 | 0.10 | 0.16 |
| Net Debt / EBITDA | 0.66 | 0.66 | 0.86 | 0.48 | — | 0.61 | 54.08 | 1.00 | 1.09 | 0.83 | 1.19 |
| Debt / FCF | — | 0.52 | 0.36 | 0.22 | 0.74 | 0.64 | 0.88 | 0.35 | 0.25 | 0.50 | 0.56 |
| Interest Coverage | 2.27 | 2.27 | — | — | — | — | — | — | — | — | 4.31 |
PRU Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.61x is below 1.0, meaning current liabilities exceed current assets — though the company's $19.7B cash position helps mitigate short-term liquidity concerns.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.61 | 0.61 | — | — | — | — | — | 0.51 | 0.01 | 0.01 | 0.01 |
| Quick Ratio | 0.61 | 0.61 | — | — | — | — | — | 0.51 | 0.01 | 0.01 | 0.01 |
| Cash Ratio | 0.40 | 0.40 | — | — | — | — | — | 0.51 | 0.50 | 0.49 | 0.49 |
| Asset Turnover | — | 0.08 | 0.10 | 0.08 | 0.08 | 0.08 | 0.06 | 0.07 | 0.08 | 0.07 | 0.07 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
PRU Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Prudential Financial, Inc. returns 8.4% to shareholders annually — split between a 5.5% dividend yield and 2.9% buyback yield. A payout ratio of 53.9% is moderate and appears sustainable, balancing shareholder returns with reinvestment capacity. The earnings yield of 10.3% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
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 | 5.5% | 4.9% | 4.4% | 4.9% | 4.9% | 4.3% | 5.7% | 4.3% | 4.4% | 2.6% | 2.9% |
| Payout Ratio | 53.9% | 53.9% | 69.3% | 74.2% | — | 20.5% | — | 39.2% | 37.3% | 16.5% | 29.8% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 10.3% | 9.1% | 6.3% | 6.5% | — | 18.0% | — | 10.8% | 11.6% | 15.5% | 9.3% |
| FCF Yield | 18.1% | 15.9% | 20.0% | 17.2% | 13.9% | 25.0% | 26.8% | 41.1% | 62.3% | 22.2% | 29.0% |
| Buyback Yield | 2.9% | 2.5% | 2.3% | 2.7% | 4.0% | 5.9% | 1.6% | 6.5% | 4.3% | 2.5% | 4.7% |
| Total Shareholder Yield | 8.4% | 7.4% | 6.8% | 7.6% | 8.9% | 10.2% | 7.3% | 10.8% | 8.7% | 5.1% | 7.6% |
| Shares Outstanding | — | $350M | $359M | $365M | $372M | $390M | $396M | $411M | $426M | $436M | $430M |
Peer Comparison
Compare PRU with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 PRUYou | $35B | 9.7 | 7.7 | 5.5 | 42.0% | 7.9% | 10.9% | 10.0% | 4.7 |
 MET | $51B | 16.4 | 8.7 | 2.8 | 36.4% | 6.0% | 11.9% | 13.1% | 3.5 |
 LNC | $7B | 6.2 | 2.4 | — | 57.3% | 7.3% | 12.3% | 12.0% | 4.1 |
 UNM | $13B | 18.8 | 15.8 | 23.4 | 38.2% | 7.2% | 6.7% | 4.7% | 3.7 |
 PFG | $22B | 19.1 | 12.9 | 4.9 | 45.2% | 9.1% | 9.9% | 9.0% | 2.5 |
 GNW | $4B | 16.9 | 5.7 | 10.8 | 24.3% | 6.8% | 2.3% | 3.6% | 2.9 |
 AIG | $41B | 14.1 | 6.7 | 12.4 | 34.5% | 14.5% | 7.4% | 5.9% | 1.3 |
 AFL | $59B | 16.6 | 11.0 | 22.9 | 38.9% | 26.6% | 13.1% | 11.8% | 1.5 |
 GL | $12B | 10.8 | 9.1 | 9.5 | 33.4% | 24.4% | 20.6% | 13.4% | 1.6 |
 CNO | $4B | 19.5 | 14.1 | 6.4 | 44.8% | 6.5% | 8.9% | 4.0% | 7.7 |
 EQH | $12B | -8.9 | — | 17.8 | 79.1% | -10.2% | -51.5% | — | — |
| Financial Services Median | — | 13.1 | 11.5 | 10.6 | 63.6% | 21.6% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Start ComparisonPRU — Frequently Asked Questions
Quick answers to the most common questions about buying PRU stock.
What is Prudential Financial, Inc.'s P/E ratio?
Prudential Financial, Inc.'s current P/E ratio is 9.7x. The historical average is 18.1x. This places it at the 35th percentile of its historical range.
What is Prudential Financial, Inc.'s EV/EBITDA?
Prudential Financial, Inc.'s current EV/EBITDA is 7.7x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 12.2x.
What is Prudential Financial, Inc.'s ROE?
Prudential Financial, Inc.'s return on equity (ROE) is 10.9%. The historical average is 7.6%.
Is PRU stock overvalued?
Based on historical data, Prudential Financial, Inc. is trading at a P/E of 9.7x. This is at the 35th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Prudential Financial, Inc.'s dividend yield?
Prudential Financial, Inc.'s current dividend yield is 5.54% with a payout ratio of 53.9%.
What are Prudential Financial, Inc.'s profit margins?
Prudential Financial, Inc. has 42.0% gross margin and 7.9% operating margin.
How much debt does Prudential Financial, Inc. have?
Prudential Financial, Inc.'s Debt/EBITDA ratio is 4.7x, indicating high leverage. A ratio above 4x may signal elevated financial risk.