PRU Prudential Financial, Inc.

Price (delayed)

$67.47

Market cap

$25.54B

P/E Ratio

8.88

Dividend/share

$4.2

EPS

$7.28

Enterprise value

$28.39B

Sector: Financial Services
Industry: Insurance - Life
Prudential Financial, Inc. engages in the provision of financial products and services including life insurance, annuities, mutual funds, and investment management to both individual and institutional customers. It operates through the following segments: U.S. Individual Solutions, U.S. Workplace Solutions, PGIM, International Insurance, Closed Block, and Corporate and Others. The U.S. Individual Solutions segment consists of individual annuities and individual life products. The U.S. Workplace Solutions segment comprises of the retirement and group insurance divisions. The PGIM segment provides a broad array of asset management and advisory services related to public and private fixed income, public equity and real estate, commercial mortgage origination and servicing, and mutual funds and other retail services to institutional, private and sub-advisory clients (including mutual funds), insurance company separate accounts, government sponsored entities and the Company’s general account. The International Insurances segment manufactures and distributes individual life insurance, retirement, and related products to the mass affluent and affluent markets in Japan, Korea, and other foreign countries through its Life Planner operations. The Closed Block segment includes certain in force participating insurance and annuity products and corresponding assets that are used for the payment of benefits, expenses and policyholders' dividends related to these products. The Corporate and Other Operations segment include corporate item or businesses that have been or will be divested. The company was founded by John Fairfield Dryden in 1875 and is headquartered in Newark, NJ.

Highlights

The gross margin is up by 11% YoY
PRU's equity is up by 10% year-on-year but it is down by 4.2% since the previous quarter
The gross profit rose by 9% year-on-year but it has declined by 2.8% since the previous quarter
Prudential Financial's EPS has decreased by 29% QoQ and by 16% YoY
The net income has declined by 29% since the previous quarter and by 18% year-on-year

Key stats

What are the main financial stats of PRU
Market
Shares outstanding
395M
Market cap
$25.54B
Enterprise value
$28.39B
Valuations
Price to earnings (P/E)
8.88
Price to book (P/B)
0.42
Price to sales (P/S)
0.41
EV/EBIT
7.8
EV/EBITDA
6.44
EV/Sales
0.45
Earnings
Revenue
$63.18B
EBIT
$3.64B
EBITDA
$4.41B
Free cash flow
$31.31B
Per share
EPS
$7.28
Free cash flow per share
$78.86
Book value per share
$152.26
Revenue per share
$159.14
TBVPS
$2,200.79
Balance sheet
Total assets
$873.71B
Total liabilities
$812.64B
Debt
$34.5B
Equity
$60.45B
Working capital
N/A
Liquidity
Debt to equity
0.57
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.65
Margins
EBITDA margin
7%
Gross margin
32%
Net margin
4.7%
Operating margin
5.7%
Efficiency
Return on assets
0.3%
Return on equity
4.8%
Return on invested capital
0.4%
Return on capital employed
N/A
Return on sales
5.8%
Dividend
Dividend yield
6.5%
DPS
$4.2
Payout ratio
57.7%

PRU stock price

How has the Prudential Financial stock price performed over time

Financial performance

How have Prudential Financial's revenue and profit performed over time
Revenue
$63.18B
Gross profit
$20.25B
Operating income
$3.61B
Net income
$2.98B
Gross margin
32%
Net margin
4.7%
The company's operating income fell by 29% QoQ and by 16% YoY
The net income has declined by 29% since the previous quarter and by 18% year-on-year
Prudential Financial's net margin has decreased by 28% from the previous quarter and by 18% YoY
The operating margin has decreased by 27% QoQ and by 15% YoY

Valuation

What is Prudential Financial stock price valuation
P/E
8.88
P/B
0.42
P/S
0.41
EV/EBIT
7.8
EV/EBITDA
6.44
EV/Sales
0.45
Prudential Financial's EPS has decreased by 29% QoQ and by 16% YoY
The price to earnings (P/E) is 6% more than the 5-year quarterly average of 8.4
PRU's P/B is 48% below its 5-year quarterly average of 0.8 and 16% below its last 4 quarters average of 0.5
PRU's equity is up by 10% year-on-year but it is down by 4.2% since the previous quarter
The price to sales (P/S) is 32% lower than the 5-year quarterly average of 0.6 and 18% lower than the last 4 quarters average of 0.5
The revenue has declined by 2.5% since the previous quarter

Efficiency

How efficient is Prudential Financial business performance
The ROA has contracted by 40% from the previous quarter and by 25% YoY
PRU's return on equity is down by 34% year-on-year and by 29% since the previous quarter
The return on invested capital has declined by 33% since the previous quarter and by 20% year-on-year
Prudential Financial's return on sales has decreased by 27% QoQ and by 15% YoY

Dividends

What is PRU's dividend history
DPS
$4.2
Dividend yield
6.5%
Payout ratio
57.7%
Recent dividends

Financial health

How did Prudential Financial financials performed over time
The company's total assets is 8% higher than its total liabilities
The company's total assets rose by 2.9% YoY but it fell by 2.5% QoQ
The total liabilities has decreased by 2.4% QoQ but it has increased by 2.4% YoY
Prudential Financial's debt is 43% less than its equity
PRU's equity is up by 10% year-on-year but it is down by 4.2% since the previous quarter
Prudential Financial's debt has increased by 9% from the previous quarter and by 8% YoY

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.