Prudential plc (PUK) 10-Year Financial Performance & Capital Metrics

PUK • • Insurance & Managed Care

Financial ServicesLife InsuranceDiversified Life & Health InsurersGlobal Diversified Insurers

AboutPrudential plc, through its subsidiaries, provides life and health insurance, and retirement and asset management solutions to individuals in Asia, and Africa. It offers health and protection, as well as savings products, such as participating, linked, and other traditional products. The company also provides insurance against common critical illnesses, including cancer, stroke, and heart attack; and tropical disease protection, such as dengue, malaria, and measles. It manages assets across equity, fixed income, multi asset, quantitative, and alternative strategies on behalf of institutional and individual investors. Prudential plc provides its products and services through agency sales force, banks, and brokers. The company was founded in 1848 and is headquartered in London, the United Kingdom.Show more

Revenue $8.14B -32.0%
Combined Ratio 63.72% -22.7%
Net Income $2.29B +34.3%
Return on Equity 12.47% +27.8%
Medical Cost Ratio 0%
Operating Margin 36.28% +107.1%
Net Margin 28.07% +97.6%
ROA 1.28% +26.2%
Equity / Assets 10.27% -0.6%
Book Value per Share 13.73 -47.6%
Tangible BV/Share 10.30 -46.0%
Debt/Equity 0.25 -6.7%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong 5Y profit CAGR of 31.1%
✓Trading near 52-week high

✗Weaknesses

✗Shares diluted 98.0% in last year

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-14.15%

5Y-35.11%

3Y-32.53%

TTM22.58%

Profit (Net Income) CAGR

10Y-4.03%

5Y31.05%

3Y-

TTM200.32%

EPS CAGR

10Y4.52%

5Y8.06%

3Y-

TTM394.5%

ROCE

10Y Avg4.26%

5Y Avg0.81%

3Y Avg0.88%

Latest1.71%

Peer Comparison

Global Diversified Insurers

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
PUKPrudential plc	40.3B	31.88	18.98	-32.01%	15.46%	21.22%	8.7%	0.25
PRUPrudential Financial, Inc.	40.74B	116.43	15.52	30.24%	4.51%	7.51%	20.87%	0.72
MFCManulife Financial Corporation	63.06B	37.60	13.24	-3.57%	8.24%	11.14%	42.01%	0.27
METMetLife, Inc.	51.33B	77.90	13.11	3.29%	5.43%	13.16%	29.45%	0.68
PRHPrudential Financial, Inc. 5.95		25.10	3.33	30.43%	4.69%	7.51%		0.96
PRSPrudential Financial, Inc. 5.62		24.30	3.24	30.43%	4.69%	7.51%		0.96

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Revenue+	27.95B	58.41B	65.12B	20.93B	70.76B	36.25B	26.5B	-27.59B	11.97B	8.14B
Revenue Growth %	-0.25%	1.09%	0.11%	-0.68%	2.38%	-0.49%	-0.27%	-2.04%	1.43%	-0.32%
Medical Costs & Claims+	-13.35B	-13.31B	-21.27B	-7.19B	0	0	0	0	0	0
Medical Cost Ratio %	-	-	-	-	-	-	-	-	-	-
Gross Profit+	41.3B	71.72B	86.39B	28.12B	70.76B	36.25B	26.5B	-27.59B	11.97B	8.14B
Gross Margin %	-	-	-	-	-	-	-	-	-	-
Gross Profit Growth %	-0.31%	0.74%	0.2%	-0.67%	1.52%	-0.49%	-0.27%	-2.04%	1.43%	-0.32%
Operating Expenses+	3.21B	4.4B	4.68B	2.26B	3.79B	36.25B	23.82B	-26.95B	9.87B	5.19B
OpEx / Revenue %	-	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	0	0	0	0	0	218M	0	0	524M	-191M
Combined Ratio %	-	-	-	-	-	-	-	-	-	-
Operating Income+	24.74B	54.01B	60.44B	18.66B	66.97B	3.03B	2.68B	-643M	2.1B	2.95B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-0.29%	1.18%	0.12%	-0.69%	2.59%	-0.95%	-0.12%	-1.24%	4.26%	0.41%
EBITDA+	24.74B	54.01B	60.44B	18.66B	66.97B	3.25B	3B	-233.86M	2.62B	2.76B
EBITDA Margin %	-	-	-	-	-	-	-	-	-	-
Interest Expense	462.23M	444.17M	574.35M	547M	496M	316M	328M	200M	172M	171M
Non-Operating Income	-11.27B	50.76B	-17.1B	-6.33B	111.31M	30.23M	-328M	-200M	-438M	-171M
Pretax Income+	4.66B	2.81B	4.45B	3.45B	1.73B	2.91B	2.68B	-643M	2.1B	2.95B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	842.98M	436.77M	1.22B	569M	252.13M	440M	462M	354M	385M	538M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	3.82B	2.37B	2.39B	3.15B	591.08M	2.12B	-2.04B	-1.01B	1.7B	2.29B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.11%	-0.38%	0.01%	0.32%	-0.81%	2.58%	-1.96%	0.51%	2.69%	0.34%
EPS (Diluted)+	1.36	1.22	1.40	1.30	1.14	3.26	-3.10	-1.48	2.48	1.68
EPS Growth %	0.26%	-0.1%	0.15%	-0.07%	-0.12%	1.86%	-1.95%	0.52%	2.68%	-0.32%
EPS (Basic)	1.36	1.22	1.40	1.30	1.14	3.26	-3.10	-1.48	2.48	1.68
Diluted Shares Outstanding	1.28B	1.28B	1.28B	1.29B	1.29B	649.25M	657M	684M	686.75M	1.36B

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Assets+	573.32B	580.5B	668.2B	647.81B	454.21B	516.1B	188.23B	160.25B	174.07B	181.88B
Asset Growth %	-0%	0.01%	0.15%	-0.03%	-0.3%	0.14%	-0.64%	-0.15%	0.09%	0.04%
Total Investment Assets+	338.56B	407.04B	423.65B	511.77B	443.4B	227.58B	163.93B	137.25B	151.61B	157.61B
Long-Term Investments	0	0	0	0	386.31B	191.55B	163.93B	137.25B	151.61B	157.61B
Short-Term Investments	0	0	0	0	57.09B	36.03B	0	0	0	0
Total Current Assets+	247M	201.17M	247.24M	5.48B	1.88B	4.68B	5.3B	4.56B	16.43B	18.51B
Cash & Equivalents	365M	201.17M	328M	5.48B	1.88B	8.02B	7.17B	1.81B	1.59B	2.44B
Receivables	0	0	0	0	0	0	1000K	1000K	0	1000K
Other Current Assets	0	0	0	0	-57.7B	-39.37B	-4.75B	-34.71M	14.84B	13.86B
Goodwill & Intangibles+	10.12B	12.44B	16.9B	17.55B	13.92B	21.31B	4.92B	4.77B	4.88B	4.67B
Goodwill	1.65B	1.63B	1.48B	1.86B	731.49M	961M	907M	890M	896M	848M
Intangible Assets	8.47B	10.81B	11.01B	11.72B	13.19B	20.34B	4.01B	3.88B	3.99B	3.82B
PP&E (Net)	810.03M	605.12M	594.73M	1.05B	803.96M	893M	495M	437M	374M	417M
Other Assets	250.7B	369.95B	354.58B	354.11B	326.27B	154.11B	-27.56B	-14.61B	-157.02B	16.82B
Total Liabilities	554.13B	562.41B	646.43B	625.82B	434.55B	493.98B	169.12B	143.35B	156.08B	163.2B
Total Debt+	4.77B	6.85B	7.59B	6.17B	5.35B	9.08B	8.24B	5.08B	4.87B	4.72B
Net Debt	4.53B	6.65B	7.34B	687.14M	3.47B	1.06B	1.07B	3.27B	3.28B	2.28B
Long-Term Debt	4.77B	6.85B	7.59B	6.17B	5.35B	7.67B	6.99B	3.92B	3.94B	3.94B
Short-Term Debt	0	0	0	0	912M	907M	904M	862M	699M	527M
Total Current Liabilities+	691.61M	1.01B	726M	14.23B	490.68M	18.43B	474.74M	3.21B	5.93B	4.35B
Accounts Payable	2.71B	3.11B	0	3.01B	2.83B	1.28B	1.12B	2.87B	0	0
Deferred Revenue	0	0	0	0	0	0	0	0	0	0
Other Current Liabilities	-11.36B	-13.15B	-726M	0	-11.45B	-907M	-614.26M	-528M	1.17B	976M
Deferred Taxes	0	0	0	0	0	1000K	1000K	1000K	1000K	1000K
Other Liabilities	247.65B	363.3B	351.52B	351.26B	322.19B	341.71B	127.52B	114.15B	-5.42B	-5.71B
Total Equity+	19.19B	14.67B	21.77B	21.99B	19.67B	22.12B	19.11B	16.9B	17.98B	18.67B
Equity Growth %	0.04%	-0.24%	0.48%	0.01%	-0.11%	0.12%	-0.14%	-0.12%	0.06%	0.04%
Shareholders Equity	19.19B	14.67B	21.76B	21.97B	14.7B	20.88B	18.94B	16.73B	17.82B	17.49B
Minority Interest	1.48M	1.23M	9M	23M	192M	1.24B	175M	167M	160M	1.18B
Retained Earnings	15.46B	9.1B	9.48B	21.82B	10.39B	14.42B	12.06B	10.65B	11.93B	11.91B
Common Stock	189.63M	105.06M	174.33M	97M	129.84M	173M	182M	182M	183M	176M
Accumulated OCI	0	1.67B	0	-1.97B	2.34B	3.64B	1.68B	890M	703M	401M
Return on Equity (ROE)	0.2%	0.14%	0.13%	0.14%	0.03%	0.1%	-0.1%	-0.06%	0.1%	0.12%
Return on Assets (ROA)	0.01%	0%	0%	0%	0%	0%	-0.01%	-0.01%	0.01%	0.01%
Equity / Assets	-	-	-	-	-	-	-	-	-	-
Debt / Equity	0.25x	0.47x	0.35x	0.28x	0.27x	0.41x	0.43x	0.30x	0.27x	0.25x
Book Value per Share	15.02	11.45	16.96	17.07	15.21	34.07	29.09	24.70	26.19	13.73
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	1.71B	1.79B	1.22B	2.64B	-4.01B	2.5B	278M	1.08B	832M	3.61B
Operating CF Growth %	0.51%	0.05%	-0.32%	1.16%	-2.52%	1.62%	-0.89%	2.88%	-0.23%	3.34%
Operating CF / Revenue %	-	-	-	-	-	-	-	-	-	-
Net Income	2.58B	1.92B	2.39B	3.15B	591.08M	3.18B	3.02B	-833.01M	2.27B	3.24B
Depreciation & Amortization	510.92M	197.09M	217.09M	0	0	0	0	0	0	0
Stock-Based Compensation	0	126M	119.1M	149.83M	136.64M	0	73.95M	0	0	0
Deferred Taxes	0	0	0	0	0	0	0	0	0	0
Other Non-Cash Items	-1.33B	621.9M	381.87M	-350.93M	-3.23B	-7.53B	2.63B	22.35B	-14.23B	163.91M
Working Capital Changes	-49M	-1.07B	-1.89B	-315.84M	-1.51B	6.85B	-5.44B	-20.44B	12.79B	206.09M
Cash from Investing+	-317.38M	-447.12M	615.08M	-615.33M	-587.3M	-1.2B	-726M	-39M	-360M	-832M
Capital Expenditures	-379.26M	-283.42M	-134M	-78.23M	-48.31M	-57M	-36M	-27.6M	-44M	-101M
Acquisitions	-360.01M	-246.77M	-264.57M	-258.04M	-479.36M	-1.14B	-690M	-5M	-142M	-557M
Purchase of Investments	0	0	0	0	0	0	0	0	0	0
Sale/Maturity of Investments	0	0	0	0	0	0	0	0	0	0
Other Investing	421.89M	83.07M	1.01B	-279.06M	-59.64M	-3.28M	0	-6.4M	-174M	-174M
Cash from Financing+	-456.11M	-302.16M	-1.28B	-659M	-1.96B	36.28M	1.26B	-2.52B	-1.21B	-1.7B
Dividends Paid	-1.44B	-1.27B	-1.57B	-1.3B	-1.23B	-814M	-421M	-474M	-533M	-552M
Share Repurchases	0	0	0	0	0	0	0	-4M	0	-860M
Stock Issued	10.37M	16.04M	28.38M	23M	22M	13M	2.38B	0	4M	0
Debt Issuance (Net)	1000K	1000K	-1000K	1000K	-1000K	1000K	-1000K	-1000K	-1000K	0
Other Financing	102.42M	-278.19M	506.34M	-575.32M	-539.85M	-145.72M	-420.18M	-313M	-288M	-283M
Net Change in Cash+	2.03B	2.82B	844.63M	1.06B	-6.86B	1.05B	773M	-1.66B	-763M	1.02B
Exchange Rate Effect	-1000K	1000K	-1000K	-1000K	1000K	-1000K	-1000K	-1000K	-1000K	-1000K
Cash at Beginning	9.49B	9.6B	13.6B	14.46B	12.11B	6.96B	8.02B	7.17B	5.51B	4.75B
Cash at End	11.53B	12.42B	14.45B	15.44B	5.26B	8.02B	7.17B	5.51B	4.75B	5.77B
Free Cash Flow+	1.54B	2.29B	1.12B	3.22B	-4.06B	2.44B	242M	839.48M	788M	3.51B
FCF Growth %	0.49%	0.48%	-0.51%	1.88%	-2.26%	1.6%	-0.9%	2.47%	-0.06%	3.45%
FCF Margin %	-	-	-	-	-	-	-	-	-	-
FCF per Share	1.21	1.78	0.87	2.5	-3.14	3.76	0.37	1.23	1.15	2.58

Key Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Combined Ratio	-36.28%	-15.26%	-25.48%	-23.55%	5.35%	100%	89.9%	97.67%	82.48%	63.72%
Medical Cost Ratio	-47.77%	-22.78%	-32.67%	-34.36%	0%	0%	0%	0%	0%	0%
Return on Equity (ROE)	20.33%	14%	13.11%	14.41%	2.84%	10.14%	-9.91%	-5.59%	9.75%	12.47%
Return on Assets (ROA)	0.67%	0.41%	0.38%	0.48%	0.11%	0.44%	-0.58%	-0.58%	1.02%	1.28%
Equity / Assets	3.35%	2.53%	3.26%	3.39%	4.33%	4.29%	10.15%	10.54%	10.33%	10.27%
Book Value / Share	15.02	11.45	16.96	17.07	15.21	34.07	29.09	24.7	26.19	13.73
Debt / Equity	0.25x	0.47x	0.35x	0.28x	0.27x	0.41x	0.43x	0.30x	0.27x	0.25x
Revenue Growth	-25.34%	108.97%	11.49%	-67.86%	238.14%	-48.77%	-26.89%	-204.11%	143.39%	-32.01%

Revenue by Segment

	2018	2024
Inter-segment elimination	-	-221M
Inter-segment elimination Growth	-	-

Revenue by Geography

	2018	2024
H	7.72B	-
H Growth	-	-

Frequently Asked Questions

Valuation & Price

Prudential plc (PUK) has a price-to-earnings (P/E) ratio of 19.0x. This is roughly in line with market averages.

Growth & Financials

Prudential plc (PUK) saw revenue decline by 32.0% over the past year.

Yes, Prudential plc (PUK) is profitable, generating $4.13B in net income for fiscal year 2024 (28.1% net margin).

Dividend & Returns

Yes, Prudential plc (PUK) pays a dividend with a yield of 1.27%. This makes it attractive for income-focused investors.

Prudential plc (PUK) has a return on equity (ROE) of 12.5%. This is reasonable for most industries.

Industry Metrics

Prudential plc (PUK) has a combined ratio of 0.0%. A ratio below 100% indicates underwriting profitability.

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