Prudential Financial (PRU)
Market Price (12/26/2025): $115.32 | Market Cap: $40.9 BilSector: Financials | Industry: Life & Health Insurance
Prudential Financial (PRU)
Market Price (12/26/2025): $115.32Market Cap: $40.9 BilSector: FinancialsIndustry: Life & Health Insurance
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, Dividend Yield is 4.7%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.0%, FCF Yield is 13% | Trading close to highsDist 52W High is -2.6% | Weak revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is -21%, Rev Chg QQuarterly Revenue Change % is -8.2% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -121% | Weak multi-year price returns2Y Excs Rtn is -25%, 3Y Excs Rtn is -45% | Key risksPRU key risks include [1] adverse policyholder behavior resulting in fewer retained policies and annuity contracts and [2] potential demand headwinds for its products, Show more. |
| Attractive cash flow generationCFO LTM is 5.3 Bil, FCF LTM is 5.3 Bil | ||
| Low stock price volatilityVol 12M is 26% | ||
| Megatrend and thematic driversMegatrends include Aging Population & Chronic Disease, Fintech & Digital Payments, and Sustainable Finance. Themes include Retirement & Longevity Planning, Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, Dividend Yield is 4.7%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.0%, FCF Yield is 13% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -121% |
| Attractive cash flow generationCFO LTM is 5.3 Bil, FCF LTM is 5.3 Bil |
| Low stock price volatilityVol 12M is 26% |
| Megatrend and thematic driversMegatrends include Aging Population & Chronic Disease, Fintech & Digital Payments, and Sustainable Finance. Themes include Retirement & Longevity Planning, Show more. |
| Trading close to highsDist 52W High is -2.6% |
| Weak multi-year price returns2Y Excs Rtn is -25%, 3Y Excs Rtn is -45% |
| Weak revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is -21%, Rev Chg QQuarterly Revenue Change % is -8.2% |
| Key risksPRU key risks include [1] adverse policyholder behavior resulting in fewer retained policies and annuity contracts and [2] potential demand headwinds for its products, Show more. |
Why The Stock Moved
Qualitative Assessment
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Here are five key points explaining the approximate 5.8% movement in Prudential Financial (symbol: PRU) stock from August 31, 2025, to December 26, 2025: **1. Strong Third Quarter 2025 Earnings Beat.** Prudential Financial reported its Q3 2025 earnings on October 30, 2025, with an earnings per share (EPS) of $4.26, significantly exceeding analysts' expectations of $3.69 by 15.45%. This positive earnings surprise likely contributed to an upward stock movement.**2. Announcement of a $1 Billion Share Repurchase Program.** On December 11, 2025, Prudential Financial, Inc. (NYSE:PRU) announced an authorization for a share repurchase program of up to $1 billion, effective from January 1, 2026, through December 31, 2026. Share buybacks typically reduce the number of outstanding shares, which can enhance earnings per share and support stock price.
**3. Growth in PGIM's Assets Under Management and Net Inflows.** Prudential's global investment management arm, PGIM, reported a 5% increase in assets under management to $1.5 trillion in Q3 2025. This growth was driven by market appreciation and $2.4 billion in total net inflows, signaling strength in its investment business.
**4. Strategic Leadership Realignment to Streamline Operations.** On December 18, 2025, Prudential Financial announced a realignment of its senior business leadership structure. This move aims to streamline operations in its largest markets and sharpen focus on key growth opportunities, with leaders of various businesses now reporting directly to the CEO, which can be viewed positively by investors.
**5. Analyst Coverage and Price Targets Indicating Upside Potential.** Several analyst actions around the period supported a positive outlook. For instance, on December 16, 2025, Mizuho initiated coverage of Prudential Financial (NYSE:PRU) with a Neutral rating but set a price target of $125.00. Additionally, on November 3, 2025, Keefe, Bruyette & Woods set a price target of $118.00, implying a nearly 6% upside for the stock. Show more
Stock Movement Drivers
Fundamental Drivers
The 13.1% change in PRU stock from 9/25/2025 to 12/25/2025 was primarily driven by a 64.7% change in the company's Net Income Margin (%).| 9252025 | 12252025 | Change | |
|---|---|---|---|
| Stock Price ($) | 101.28 | 114.55 | 13.10% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 59519.00 | 57926.00 | -2.68% |
| Net Income Margin (%) | 2.74% | 4.51% | 64.68% |
| P/E Multiple | 21.93 | 15.56 | -29.03% |
| Shares Outstanding (Mil) | 353.10 | 355.09 | -0.56% |
| Cumulative Contribution | 13.10% |
Market Drivers
9/25/2025 to 12/25/2025| Return | Correlation | |
|---|---|---|
| PRU | 13.1% | |
| Market (SPY) | 4.9% | 39.1% |
| Sector (XLF) | 4.2% | 74.9% |
Fundamental Drivers
The 10.1% change in PRU stock from 6/26/2025 to 12/25/2025 was primarily driven by a 19.2% change in the company's Net Income Margin (%).| 6262025 | 12252025 | Change | |
|---|---|---|---|
| Stock Price ($) | 104.01 | 114.55 | 10.13% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 60650.00 | 57926.00 | -4.49% |
| Net Income Margin (%) | 3.79% | 4.51% | 19.20% |
| P/E Multiple | 16.05 | 15.56 | -3.05% |
| Shares Outstanding (Mil) | 354.30 | 355.09 | -0.22% |
| Cumulative Contribution | 10.13% |
Market Drivers
6/26/2025 to 12/25/2025| Return | Correlation | |
|---|---|---|
| PRU | 10.1% | |
| Market (SPY) | 13.1% | 41.7% |
| Sector (XLF) | 8.0% | 72.2% |
Fundamental Drivers
The 1.0% change in PRU stock from 12/25/2024 to 12/25/2025 was primarily driven by a 55.8% change in the company's P/E Multiple.| 12252024 | 12252025 | Change | |
|---|---|---|---|
| Stock Price ($) | 113.37 | 114.55 | 1.04% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 73282.00 | 57926.00 | -20.95% |
| Net Income Margin (%) | 5.60% | 4.51% | -19.36% |
| P/E Multiple | 9.99 | 15.56 | 55.79% |
| Shares Outstanding (Mil) | 361.29 | 355.09 | 1.72% |
| Cumulative Contribution | 1.01% |
Market Drivers
12/25/2024 to 12/25/2025| Return | Correlation | |
|---|---|---|
| PRU | 1.0% | |
| Market (SPY) | 15.8% | 73.6% |
| Sector (XLF) | 14.9% | 84.6% |
Fundamental Drivers
The 33.6% change in PRU stock from 12/26/2022 to 12/25/2025 was primarily driven by a 259.4% change in the company's Net Income Margin (%).| 12262022 | 12252025 | Change | |
|---|---|---|---|
| Stock Price ($) | 85.77 | 114.55 | 33.56% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 60286.00 | 57926.00 | -3.91% |
| Net Income Margin (%) | 1.26% | 4.51% | 259.38% |
| P/E Multiple | 42.03 | 15.56 | -62.98% |
| Shares Outstanding (Mil) | 371.00 | 355.09 | 4.29% |
| Cumulative Contribution | 33.31% |
Market Drivers
12/26/2023 to 12/25/2025| Return | Correlation | |
|---|---|---|
| PRU | 21.4% | |
| Market (SPY) | 48.3% | 64.2% |
| Sector (XLF) | 52.6% | 82.5% |
Price Returns Compared
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| PRU Return | -11% | 45% | -4% | 10% | 19% | 1% | 65% |
| Peers Return | -5% | 48% | 1% | 4% | 21% | 18% | 112% |
| S&P 500 Return | 16% | 27% | -19% | 24% | 23% | 18% | 115% |
Monthly Win Rates [3] | |||||||
| PRU Win Rate | 50% | 67% | 50% | 58% | 58% | 58% | |
| Peers Win Rate | 58% | 68% | 53% | 50% | 63% | 62% | |
| S&P 500 Win Rate | 58% | 75% | 42% | 67% | 75% | 73% | |
Max Drawdowns [4] | |||||||
| PRU Max Drawdown | -58% | -2% | -18% | -21% | -2% | -19% | |
| Peers Max Drawdown | -59% | -4% | -23% | -24% | -3% | -11% | |
| S&P 500 Max Drawdown | -31% | -1% | -25% | -1% | -2% | -15% | |
[1] Cumulative total returns since the beginning of 2020
[2] Peers: MET, AIG, LNC, PFG, AMP. See PRU Returns vs. Peers.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 12/24/2025 (YTD)
How Low Can It Go
| Event | PRU | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -36.2% | -25.4% |
| % Gain to Breakeven | 56.8% | 34.1% |
| Time to Breakeven | 421 days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -59.6% | -33.9% |
| % Gain to Breakeven | 147.6% | 51.3% |
| Time to Breakeven | 387 days | 148 days |
| 2018 Correction | ||
| % Loss | -39.0% | -19.8% |
| % Gain to Breakeven | 64.0% | 24.7% |
| Time to Breakeven | 2,031 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -89.1% | -56.8% |
| % Gain to Breakeven | 813.8% | 131.3% |
| Time to Breakeven | 2,833 days | 1,480 days |
Compare to TRV, AFL, MET, AIG, HIG
In The Past
Prudential Financial's stock fell -36.2% during the 2022 Inflation Shock from a high on 4/20/2022. A -36.2% loss requires a 56.8% gain to breakeven.
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Prudential Financial, Inc., together with its subsidiaries, provides insurance, investment management, and other financial products and services in the United States and internationally. It operates through eight segments: PGIM, Retirement, Group Insurance, Individual Annuities, Individual Life, Assurance IQ, International Businesses, and Closed Block. The company offers investment management services and solutions related to public fixed income, public equity, real estate debt and equity, private credit and other alternatives, and multi-asset class strategies to institutional and retail clients, as well as its general account. It also provides a range of retirement investment, and income products and services to retirement plan sponsors in the public, private, and not-for-profit sectors; and group life, long-term and short-term group disability, and group corporate-, bank-, and trust-owned life insurance in the United States, primarily to institutional clients for use in connection with employee and membership benefits plans, as well as sells accidental death and dismemberment, and other supplemental health solutions; and provides plan administration services in connection with its insurance coverages. In addition, the company develops and distributes individual variable and fixed annuity products, principally to the mass affluent and affluent markets; and individual variable, term, and universal life insurance products to the mass middle, mass affluent, and affluent markets in the United States. Further, it provides third-party life, health, Medicare, property and casualty, and term life products to retail shoppers through its digital and independent agent channels. The company offers its products and services to individual and institutional customers through its proprietary and third-party distribution networks. Prudential Financial, Inc. was founded in 1875 and is headquartered in Newark, New Jersey.
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- Prudential Financial is like **MetLife for life insurance, annuities, and retirement services.**
- Prudential Financial is like **a blend of Northwestern Mutual for life insurance and Fidelity for retirement and investment management.**
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```htmlPrudential Financial (PRU) Major Products and Services
- Individual Annuities: Services that provide guaranteed income streams for retirement, often with tax-deferred growth.
- Individual Life Insurance: Services offering financial protection to beneficiaries upon the policyholder's death.
- Group Insurance: Services providing life, disability, and other benefits to employees through employer-sponsored plans.
- Retirement Strategies (Institutional): Services offering defined benefit and defined contribution plan solutions for corporate clients.
- Asset Management (PGIM): Services managing investments for institutional clients and retail investors across various asset classes globally.
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```htmlPrudential Financial (symbol: PRU) primarily serves a diverse customer base, including individuals, employers, and institutional investors. Given the breadth of its offerings and the sheer volume of individual policies and accounts, it's most appropriate to describe categories of individual customers, even when some services are facilitated through employers.
Prudential Financial serves the following major categories of customers:
- Individual Savers and Investors: This category includes individuals seeking to build wealth, save for retirement, and achieve other financial goals. They purchase a range of products such as annuities, mutual funds, and other investment products directly from Prudential or through financial advisors.
- Individuals Seeking Life and Health Protection: This segment comprises individuals and families looking for financial security and protection against life's uncertainties. They purchase individual life insurance policies (e.g., term, whole, universal life) and other protection-oriented products.
- Employees and Retirees of Client Companies (Group Benefits and Retirement Plans): While employers are the direct clients who select Prudential to provide group life insurance, disability insurance, 401(k) plans, defined benefit plans, and other retirement services, the ultimate beneficiaries and users of these services are the individual employees and retirees. Prudential's services facilitate their financial well-being and retirement planning.
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Andrew Sullivan, Chief Executive Officer
Andrew (Andy) Sullivan was appointed Chief Executive Officer of Prudential Financial, Inc. effective March 31, 2025. He joined Prudential in 2011 and has held various leadership positions, including Executive Vice President and head of Prudential's international businesses and global investment management, overseeing the International Insurance segment and PGIM, the firm's global asset management business. Prior to that, he was Executive Vice President and head of Prudential's U.S. Businesses and president of the Group Insurance business. Before joining Prudential, Sullivan served as a senior vice president with CareFirst BlueCross BlueShield and held several senior leadership positions at Cigna, where he led merger and acquisition initiatives for health care, international, and group insurance. Early in his career, he held management roles at Diamond Technology Partners and DaimlerChrysler. Sullivan also served as a nuclear submarine officer in the U.S. Navy.
Ken Tanji, Executive Vice President and Chief Financial Officer
Ken Tanji was appointed Executive Vice President and Chief Financial Officer of Prudential Financial, Inc. in December 2018. He is responsible for global financial management matters, including financial reporting, investor relations, treasury, tax, and corporate development. Tanji joined Prudential in 1988 and has held numerous leadership roles, including Senior Vice President and Treasurer, Chief Financial Officer of Prudential's International businesses, and Senior Financial Officer of Prudential Annuities. He also served as Prudential's business representative for its retail brokerage joint venture with Wachovia Securities.
Charles Lowrey, Executive Chairman of the Board
Charles Lowrey serves as the Executive Chairman of the Board for Prudential Financial, Inc. He previously served as CEO of the company, a role he assumed in 2018, succeeding John Strangfeld. Before joining Prudential in 2001, Lowrey was a managing director and head of the Americas for J.P. Morgan's Real Estate and Lodging Investment Banking group. Earlier in his career, he founded and managed an architecture firm in New York City. During his tenure as CEO, he oversaw the sale of the company's retirement business. He also served as president and CEO of PGIM, Prudential's global investment management business, and CEO of its real estate investment business, PGIM Real Estate.
Caroline Feeney, Executive Vice President and Global Head of Retirement and Insurance
Caroline Feeney holds the position of Executive Vice President and Global Head of Retirement and Insurance at Prudential Financial, a role effective March 31, 2025. She oversees Prudential's retirement and insurance businesses in 12 countries. Feeney joined Prudential in 1993 and has held several leadership roles, including Executive Vice President and head of U.S. Businesses, and president of Prudential Advisors, the company's national sales organization.
Salene Hitchcock-Gear, President, Individual Life Insurance
Salene Hitchcock-Gear is the President of Prudential Individual Life Insurance. She joined Prudential in 2017 as chief operating officer of Prudential Advisors and was appointed president of the Individual Life Insurance business in 2018. Prior to her time at Prudential, Hitchcock-Gear served as president and CEO of Ameritas Investment Corp. and president and CEO of Acacia Life Insurance Company.
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Prudential Financial (PRU) faces several key risks to its business, primarily driven by external economic and regulatory factors.
- Market Fluctuations and General Economic Conditions: Prudential Financial is highly susceptible to market volatility and broader economic trends, including interest rate changes, equity price movements, and currency exchange rate fluctuations. Both rapidly rising interest rates and prolonged low interest rates can adversely impact the company's liquidity, capital positions, cash flows, and profitability by affecting asset values, investment returns, and policyholder behavior. Economic downturns, increased market volatility, or the potential for stagflation can lead to policyholders becoming dissatisfied with their investments, potentially resulting in increased lapses and surrenders of insurance products and withdrawals from investment products.
- Regulatory and Legal Environment: As a global financial services institution, Prudential is exposed to significant regulatory and legal risks. This includes the potential for new or changed legislation and regulations, compliance costs associated with evolving solvency standards, and the risk of additional regulatory and legal actions. Geopolitical and political uncertainties in the diverse markets where Prudential operates can also increase regulatory compliance risks and adversely impact economic conditions and market volatility.
- Policyholder Behavior and Product Demand: The company faces risks related to actual policyholder behavior deviating adversely from expectations. This can manifest as fewer policyholders retaining their policies and annuity contracts, particularly when they seek higher crediting rates. Furthermore, there has been evidence of declining net premiums earned and projected revenue decreases, signaling potential demand headwinds for Prudential's insurance and investment products and services.
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The emergence of digital-first InsurTech companies poses a clear threat to Prudential Financial's traditional life insurance business. These companies leverage advanced technology, artificial intelligence, and data analytics to offer streamlined, often fully online, purchasing experiences for life insurance policies. By simplifying the application process, providing instant or near-instant underwriting decisions, and utilizing direct-to-consumer models, they challenge the traditional agent-driven distribution and lengthy underwriting processes that characterize legacy insurers like Prudential. This allows them to offer more transparent pricing, potentially lower costs, and a superior customer experience, particularly appealing to younger, digitally native demographics. Examples of such companies include Ethos, Bestow, Ladder Life, and Haven Life, which are actively gaining market share and pushing incumbents to rapidly innovate their digital offerings and cost structures.
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Prudential Financial (symbol: PRU) operates in several key addressable markets for its main products and services, including life insurance, annuities, retirement services, and asset management.
- Life Insurance: The U.S. life insurance market was valued at approximately $1.93 trillion in 2024 and is projected to reach around $4.74 trillion by 2034. Other estimates suggest the U.S. life insurance market's gross written premium was $1.4 trillion in 2023.
- Annuities: The U.S. annuity market value is expected to reach $388.42 billion by 2029.
- Retirement Services: The U.S. retirement market, which includes assets held under retirement-related accounts such as defined contribution and defined benefit plans, and Individual Retirement Accounts (IRAs), was estimated at roughly $36 trillion as of 2024.
- Asset Management: The global asset management market size was estimated at $458.02 billion in 2023 and is expected to reach $3,677.39 billion by 2030. Another source indicates the global asset management market size was calculated at $685.09 billion in 2024 and is predicted to reach around $12,741.10 billion by 2034. Specifically for the U.S., the asset management market size was $189.07 billion in 2024 and is projected to be worth around $3,697.19 billion by 2034.
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Prudential Financial (PRU) is anticipated to drive future revenue growth over the next two to three years through several key strategies:
- Expansion in High-Growth International Markets: Prudential Financial is focused on leveraging its strong market position in various Asian countries, including Japan, and expanding in emerging markets like Brazil. The company's international business segment is a significant contributor to earnings, and growth is being fueled by new retirement and savings product launches in Japan, as well as the expansion of third-party distribution in emerging markets. This strategic focus on fast-growing regions and differentiated products is expected to continue generating robust sales.
- Diversification and Growth of Retirement and Insurance Product Offerings: The company is emphasizing the expansion of its market-leading businesses by introducing new financial solutions and broadening its distribution footprint. This includes a strong focus on areas such as pension risk transfer and individual annuities, which are addressing growing market needs. Prudential has also seen significant sales growth in its individual retirement products, particularly registered index-linked annuities and fixed annuities, and in group insurance for life and disability. The deliberate pivot towards more capital-efficient and higher-growth products is a core component of this strategy.
- Growth in PGIM (Prudential Global Investment Management) through Asset Management: PGIM, Prudential's global investment manager, is expected to be a significant driver of revenue growth. This segment benefits from higher asset management fees, strong net inflows, and favorable investment performance. PGIM has reported robust affiliated and third-party flows, and its assets under management have increased due to market appreciation and strong investment performance. The company anticipates low double-digit earnings growth in PGIM, supported by strong asset management fee growth driven by net flows and market appreciation.
- Technological Advancement and Enhanced Customer Experience: Prudential is investing in technology to boost operational efficiency and improve the customer experience. This includes initiatives to create a more integrated and digitally-enabled approach to customer service, which is designed to make the business more scalable and adaptable to future opportunities. These technological enhancements and customer-centric approaches are vital for driving sustained growth.
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Share Repurchases
- Prudential Financial's Board of Directors authorized a share repurchase program of up to $1 billion for the period from January 1, 2025, through December 31, 2025.
- In 2024, Prudential Financial returned nearly $3 billion to shareholders, encompassing both dividends and share repurchases. $250 million of these were share repurchases in the fourth quarter of 2024.
- The company returned $731 million to shareholders in Q3 2025, which included $250 million in share repurchases. Additionally, the Board authorized up to $1.5 billion in common stock repurchases for 2022.
Outbound Investments
- In 2024, PGIM Private Capital, Prudential Financial's private capital arm, deployed $14.9 billion in senior debt and junior capital to over 238 middle-market companies and projects globally, with significant allocations to investment-grade ($10.5 billion) and below-investment-grade ($3.9 billion) categories, including $4.7 billion in real assets.
- Prudential, through its global asset management business PGIM, acquired a majority stake in Deerpath Capital Management, LP, a U.S.-based private credit and direct lending manager, in 2023.
- Prudential expanded its international longevity risk transfer business in 2023 with a $9.2 billion transaction with NN Life in the Dutch market.
Capital Expenditures
- Prudential Financial's capital deployment strategy aims to allocate 30%-40% towards organic growth.
- The company invests in its businesses by enhancing customer experiences, distribution, health, and technology capabilities.
- In 2024, Prudential provided over $40 million in grants and nearly $13 million in corporate contributions to non-profit organizations, alongside managing a $1 billion impact investing portfolio.
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Research & Analysis
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Peer Comparisons for Prudential Financial
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 88.06 |
| Mkt Cap | 44.3 |
| Rev LTM | 22,923 |
| Op Inc LTM | - |
| FCF LTM | 4,723 |
| FCF 3Y Avg | 4,858 |
| CFO LTM | 4,763 |
| CFO 3Y Avg | 4,947 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 5.6% |
| Rev Chg 3Y Avg | 2.5% |
| Rev Chg Q | -0.8% |
| QoQ Delta Rev Chg LTM | -0.2% |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 15.5% |
| CFO/Rev 3Y Avg | 20.6% |
| FCF/Rev LTM | 15.5% |
| FCF/Rev 3Y Avg | 20.6% |
Segment Financials
Assets by Segment| $ Mil | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| U.S. Business- Retirement Strategies- Individual Retirement Strategies | 139,934 | 130,173 | 201,273 | 200,718 | 189,040 |
| U.S. Business- Individual Life | 116,449 | 102,445 | 118,237 | 110,953 | 96,072 |
| U.S. Business- Retirement Strategies- Institutional Retirement Strategies | 111,308 | 108,565 | 114,016 | 213,726 | 198,153 |
| International Businesses- Gibraltar Life and Other | 110,060 | ||||
| International Businesses- Life Planner | 81,164 | ||||
| Closed Block division | 51,088 | 50,934 | 59,979 | 62,089 | 61,327 |
| Prudential Investment Management, Inc (PGIM) | 42,064 | 48,364 | 53,566 | 48,680 | 47,655 |
| U.S Business- Group Insurance | 39,214 | 38,201 | 43,286 | 45,601 | 43,712 |
| Corporate and Other | 29,842 | 23,556 | 122,701 | 25,124 | 44,619 |
| International Businesses | 186,791 | 222,736 | 231,128 | 213,335 | |
| U.S. Business- Assurance IQ | 1,788 | 2,703 | 2,639 | ||
| Total | 721,123 | 689,029 | 937,582 | 940,722 | 896,552 |
Price Behavior
Price Behavior
| Market Price | $114.55 | |
| Market Cap ($ Bil) | 40.7 | |
| First Trading Date | 12/13/2001 | |
| Distance from 52W High | -2.6% | |
| 50 Days | 200 Days | |
| DMA Price | $107.16 | $103.43 |
| DMA Trend | indeterminate | up |
| Distance from DMA | 6.9% | 10.8% |
| 3M | 1YR | |
| Volatility | 19.4% | 26.6% |
| Downside Capture | 24.73 | 95.20 |
| Upside Capture | 76.69 | 82.33 |
| Correlation (SPY) | 39.7% | 73.6% |
PRU Betas & Captures as of 11/30/2025
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.46 | 0.58 | 0.66 | 0.87 | 1.01 | 1.02 |
| Up Beta | 0.09 | 0.78 | 0.93 | 1.21 | 1.00 | 0.97 |
| Down Beta | -0.89 | 1.01 | 0.67 | 0.81 | 1.20 | 1.24 |
| Up Capture | 128% | 52% | 46% | 68% | 64% | 66% |
| Bmk +ve Days | 12 | 25 | 38 | 73 | 141 | 426 |
| Stock +ve Days | 14 | 25 | 35 | 72 | 131 | 409 |
| Down Capture | 45% | 23% | 68% | 89% | 100% | 100% |
| Bmk -ve Days | 7 | 16 | 24 | 52 | 107 | 323 |
| Stock -ve Days | 5 | 16 | 27 | 53 | 117 | 339 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Comparison of PRU With Other Asset Classes (Last 1Y) | |||||||
|---|---|---|---|---|---|---|---|
| PRU | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 4.4% | 18.3% | 19.2% | 71.9% | 8.9% | 6.0% | -10.1% |
| Annualized Volatility | 26.5% | 19.0% | 19.5% | 19.3% | 15.3% | 17.1% | 35.0% |
| Sharpe Ratio | 0.13 | 0.75 | 0.78 | 2.69 | 0.36 | 0.18 | -0.12 |
| Correlation With Other Assets | 84.6% | 73.7% | -4.8% | 24.0% | 63.8% | 20.5% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
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Based On 5-Year Data
| Comparison of PRU With Other Asset Classes (Last 5Y) | |||||||
|---|---|---|---|---|---|---|---|
| PRU | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 13.3% | 16.3% | 14.9% | 18.7% | 11.7% | 4.8% | 32.7% |
| Annualized Volatility | 25.8% | 18.9% | 17.1% | 15.5% | 18.7% | 18.9% | 48.7% |
| Sharpe Ratio | 0.49 | 0.72 | 0.70 | 0.97 | 0.51 | 0.17 | 0.60 |
| Correlation With Other Assets | 86.3% | 64.8% | 0.2% | 23.2% | 52.7% | 23.1% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Comparison of PRU With Other Asset Classes (Last 10Y) | |||||||
|---|---|---|---|---|---|---|---|
| PRU | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 7.8% | 13.0% | 14.7% | 14.9% | 6.9% | 5.2% | 69.3% |
| Annualized Volatility | 32.2% | 22.3% | 18.0% | 14.8% | 17.6% | 20.8% | 55.8% |
| Sharpe Ratio | 0.31 | 0.54 | 0.70 | 0.83 | 0.31 | 0.22 | 0.90 |
| Correlation With Other Assets | 89.0% | 72.3% | -8.2% | 31.3% | 58.3% | 15.9% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 10/29/2025 | 1.9% | 3.2% | 8.4% |
| 7/30/2025 | 1.8% | 2.3% | 8.2% |
| 4/30/2025 | -1.0% | -1.4% | 2.4% |
| 1/15/2025 | -1.4% | -2.6% | -7.1% |
| 10/30/2024 | -3.3% | 0.9% | 3.2% |
| 8/1/2024 | -10.0% | -11.2% | 0.0% |
| 4/30/2024 | 1.6% | 5.2% | 8.5% |
| 2/6/2024 | 5.6% | 1.8% | 8.4% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 12 | 14 | 15 |
| # Negative | 13 | 11 | 10 |
| Median Positive | 2.1% | 2.8% | 8.4% |
| Median Negative | -2.6% | -2.4% | -4.4% |
| Max Positive | 6.2% | 11.8% | 18.1% |
| Max Negative | -10.0% | -11.2% | -21.8% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 9302025 | 10302025 | 10-Q 9/30/2025 |
| 6302025 | 7312025 | 10-Q 6/30/2025 |
| 3312025 | 5012025 | 10-Q 3/31/2025 |
| 12312024 | 2132025 | 10-K 12/31/2024 |
| 9302024 | 10312024 | 10-Q 9/30/2024 |
| 6302024 | 8022024 | 10-Q 6/30/2024 |
| 3312024 | 5022024 | 10-Q 3/31/2024 |
| 12312023 | 2212024 | 10-K 12/31/2023 |
| 9302023 | 11022023 | 10-Q 9/30/2023 |
| 6302023 | 8032023 | 10-Q 6/30/2023 |
| 3312023 | 5042023 | 10-Q 3/31/2023 |
| 12312022 | 2162023 | 10-K 12/31/2022 |
| 9302022 | 11032022 | 10-Q 9/30/2022 |
| 6302022 | 8052022 | 10-Q 6/30/2022 |
| 3312022 | 5052022 | 10-Q 3/31/2022 |
| 12312021 | 2172022 | 10-K 12/31/2021 |
Industry Resources
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| American Banker |
| The Banker |
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| A.M. Best |
| National Underwriter |
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External Quote Links
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| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
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| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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