Prudential plc (PUK) Financial Ratios
26 years of historical data (2000–2025) · Financial Services · Insurance - Life
EV/EBITDA
↑
7.55
↓-11% vs avg
5yr avg: 8.48
30Y Low0.8·High30.3
P/FCF
↓
18.60
↓-44% vs avg
5yr avg: 33.30
30Y Low4.5·High93.5
P/B Ratio
↑
1.94
↑+42% vs avg
5yr avg: 1.37
30Y Low0.9·High4.1
ROE
↑
17.1%
↓+259% vs avg
5yr avg: 4.8%
30Y Low-10%·High21%
Debt/EBITDA
↓
1.18
↓-37% vs avg
5yr avg: 1.87
30Y Low0.1·High8.7
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
PUK Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Prudential plc trades at 10.4x earnings, roughly in line with its 5-year average of 10.7x, sitting at the 10th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.4x, the stock trades at a discount of 22%. On a free-cash-flow basis, the stock trades at 18.6x P/FCF, 44% below the 5-year average of 33.3x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $40.8B | $40.1B | $21.7B | $15.4B | $18.8B | $22.6B | $23.2B | $47.7B | $44.2B | $63.2B | $49.4B |
| Enterprise Value | $39.1B | $38.9B | $24.0B | $18.7B | $22.1B | $23.7B | $24.3B | $51.2B | $44.8B | $70.5B | $56.0B |
| P/E Ratio → | 10.44 | 13.65 | 9.49 | 9.05 | — | — | 10.98 | 32.38 | 26.37 | 35.15 | 31.61 |
| P/S Ratio | 1.45 | 1.94 | 2.66 | 1.29 | — | 0.85 | 0.64 | 0.67 | 2.11 | 0.97 | 0.85 |
| P/B Ratio | 1.94 | 2.53 | 1.16 | 0.86 | 1.11 | 1.18 | 1.05 | 2.43 | 2.01 | 2.90 | 3.37 |
| P/FCF | 18.60 | 24.87 | 6.18 | 19.57 | 22.39 | 93.47 | 9.52 | — | 13.71 | 56.41 | 21.61 |
| P/OCF | 17.75 | 23.73 | 6.01 | 18.53 | 21.52 | 81.37 | 9.30 | — | 13.16 | 51.74 | 22.44 |
P/E links to full P/E history page with 30-year chart
PUK EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Prudential plc's enterprise value stands at 7.6x EBITDA, 11% below its 5-year average of 8.5x. The Financial Services sector median is 11.4x, placing the stock at a 34% 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 | — | 1.88 | 2.94 | 1.56 | — | 0.89 | 0.67 | 0.72 | 2.14 | 1.08 | 0.96 |
| EV / EBITDA | 7.55 | 10.21 | 8.67 | 7.14 | — | 7.89 | 7.48 | 0.76 | 2.40 | 1.17 | 1.04 |
| EV / EBIT | 7.83 | 10.21 | 7.67 | 7.38 | — | 7.89 | 7.54 | 0.77 | 1.79 | 0.91 | 17.24 |
| EV / FCF | — | 24.10 | 6.83 | 23.73 | 26.28 | 97.89 | 9.95 | — | 13.92 | 62.97 | 24.52 |
PUK Profitability
Margins and return-on-capital ratios measuring operating efficiency
Prudential plc earns an operating margin of 17.8%, below the Financial Services sector average of 21.2%. ROE of 17.1% indicates solid capital efficiency, compared to the sector median of 9.4%. ROIC of 15.5% represents solid 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 | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 134.4% | 132.7% | 122.8% |
| Operating Margin | 17.8% | 17.8% | 36.3% | 17.5% | 2.3% | 10.1% | 8.4% | 94.6% | 89.2% | 92.8% | 92.5% |
| Net Profit Margin | 14.3% | 14.3% | 28.1% | 14.2% | 3.7% | -7.7% | 5.8% | 0.8% | 15.1% | 3.7% | 4.1% |
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 | 17.1% | 17.1% | 12.5% | 9.8% | -5.6% | -9.9% | 10.1% | 2.8% | 14.4% | 13.1% | 14.0% |
| ROA | 1.7% | 1.7% | 1.3% | 1.0% | -0.6% | -0.6% | 0.4% | 0.1% | 0.5% | 0.4% | 0.4% |
| ROIC | 15.5% | 15.5% | 10.5% | 7.6% | -2.4% | 9.3% | 9.8% | 219.3% | 54.1% | 180.0% | 180.4% |
| ROCE | 2.2% | 2.2% | 1.7% | 1.3% | -0.4% | 0.8% | 0.6% | 12.3% | 2.9% | 9.7% | 9.4% |
PUK Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Prudential plc carries a Debt/EBITDA ratio of 1.2x, which is manageable (72% below the sector average of 4.1x). The company holds a net cash position — cash of $5.7B exceeds total debt of $4.5B, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of 27.0x signals virtually no risk of debt distress — earnings comfortably cover interest obligations.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.28 | 0.28 | 0.25 | 0.27 | 0.30 | 0.43 | 0.41 | 0.27 | 0.28 | 0.35 | 0.47 |
| Debt / EBITDA | 1.18 | 1.18 | 1.71 | 1.86 | — | 2.74 | 2.79 | 0.08 | 0.33 | 0.13 | 0.13 |
| Net Debt / Equity | — | -0.08 | 0.12 | 0.18 | 0.19 | 0.06 | 0.05 | 0.18 | 0.03 | 0.34 | 0.45 |
| Net Debt / EBITDA | -0.33 | -0.33 | 0.82 | 1.25 | — | 0.36 | 0.33 | 0.05 | 0.04 | 0.12 | 0.12 |
| Debt / FCF | — | -0.77 | 0.65 | 4.17 | 3.89 | 4.42 | 0.43 | — | 0.21 | 6.56 | 2.91 |
| Interest Coverage | 27.00 | 27.00 | 17.27 | 12.19 | -3.21 | 8.16 | 9.59 | 135.02 | 34.12 | 105.23 | 121.60 |
Net cash position: cash ($5.7B) exceeds total debt ($4.5B)
PUK Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio has improved from 2.77x to 4.25x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | — | — | 4.25 | 2.77 | 1.42 | 11.17 | 0.25 | 3.83 | 0.39 | 0.34 | 0.20 |
| Quick Ratio | — | — | 4.25 | 2.77 | 1.42 | 11.17 | 0.25 | 3.83 | 0.39 | 0.34 | 0.20 |
| Cash Ratio | — | — | 0.56 | 0.27 | 0.56 | 15.10 | 2.39 | 120.18 | 0.39 | 0.45 | 0.20 |
| Asset Turnover | — | 0.13 | 0.04 | 0.07 | -0.17 | 0.14 | 0.07 | 0.16 | 0.03 | 0.10 | 0.10 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
PUK Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Prudential plc returns 4.5% to shareholders annually — split between a 1.4% dividend yield and 3.1% buyback yield. The payout ratio of 14.9% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 9.6% (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 | 1.4% | 1.1% | 2.5% | 3.5% | 2.5% | 1.9% | 3.5% | 2.6% | 3.0% | 2.5% | 3.2% |
| Payout Ratio | 14.9% | 14.9% | 24.2% | 31.3% | — | — | 38.4% | 208.7% | 41.4% | 65.6% | 66.0% |
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 | 9.6% | 7.3% | 10.5% | 11.0% | — | — | 9.1% | 3.1% | 3.8% | 2.8% | 3.2% |
| FCF Yield | 5.4% | 4.0% | 16.2% | 5.1% | 4.5% | 1.1% | 10.5% | — | 7.3% | 1.8% | 4.6% |
| Buyback Yield | 3.1% | 2.3% | 4.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 4.5% | 3.4% | 6.5% | 3.5% | 2.5% | 1.9% | 3.5% | 2.6% | 3.0% | 2.5% | 3.2% |
| Shares Outstanding | — | $1.3B | $1.4B | $687M | $684M | $657M | $649M | $1.3B | $1.3B | $1.3B | $1.3B |
Peer Comparison
Compare PUK 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 |
|---|---|---|---|---|---|---|---|---|---|
 PUKYou | $41B | 10.4 | 7.6 | 18.6 | 100.0% | 17.8% | 17.1% | 15.5% | 1.2 |
 MFC | $67B | 17.7 | 11.4 | 2.8 | 100.0% | 11.6% | 11.0% | 11.5% | 1.8 |
 SLF | $40B | 16.1 | 12.7 | 4.0 | 100.0% | 11.4% | 14.5% | 10.2% | 4.1 |
 EQH | $12B | -9.1 | — | 18.1 | 79.1% | -10.2% | -51.5% | — | — |
 PRU | $35B | 9.8 | 7.8 | 5.6 | 42.0% | 7.9% | 10.9% | 10.0% | 4.7 |
 MET | $52B | 16.7 | 8.8 | 2.9 | 36.4% | 6.0% | 11.9% | 13.1% | 3.5 |
 LNC | $6B | 2.0 | 1.7 | — | 25.5% | 22.4% | 43.2% | 32.7% | 1.5 |
 AFL | $58B | 16.6 | 11.0 | 22.9 | 38.9% | 26.6% | 13.1% | 11.8% | 1.5 |
 GL | $12B | 11.0 | 9.2 | 9.7 | 33.4% | 24.4% | 20.6% | 13.4% | 1.6 |
 PFG | $22B | 19.3 | 13.1 | 5.0 | 45.2% | 9.1% | 9.9% | 9.0% | 2.5 |
 CRBG | $13B | -41.3 | 1551.3 | 6.3 | 80.9% | -18.7% | -2.8% | -1.6% | 727.1 |
| Financial Services Median | — | 13.4 | 11.4 | 10.6 | 63.4% | 21.2% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Start ComparisonPUK — Frequently Asked Questions
Quick answers to the most common questions about buying PUK stock.
What is Prudential plc's P/E ratio?
Prudential plc's current P/E ratio is 10.4x. The historical average is 27.7x. This places it at the 10th percentile of its historical range.
What is Prudential plc's EV/EBITDA?
Prudential plc's current EV/EBITDA is 7.6x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 7.9x.
What is Prudential plc's ROE?
Prudential plc's return on equity (ROE) is 17.1%. The historical average is 10.4%.
Is PUK stock overvalued?
Based on historical data, Prudential plc is trading at a P/E of 10.4x. This is at the 10th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Prudential plc's dividend yield?
Prudential plc's current dividend yield is 1.44% with a payout ratio of 14.9%.
What are Prudential plc's profit margins?
Prudential plc has 100.0% gross margin and 17.8% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does Prudential plc have?
Prudential plc's Debt/EBITDA ratio is 1.2x, indicating moderate leverage. A ratio below 2x is generally considered financially healthy.