Tearsheet

Prudential Financial (PRU)

Market Price (10/26/2025): $102.0 | Market Cap: $36.1 Bil
Sector: Financials | Industry: Life & Health Insurance

Prudential Financial (PRU)

Market Price (10/26/2025): $102.0
Market Cap: $36.1 Bil
Sector: Financials
Industry: Life & Health Insurance

Investment Highlights Why It Matters Which of these 2 stories sounds closer for this stock?

1. Generates cash flow

The stock generated 4% or more of the share price (called cash flow yield), and shows moderate 10-15% or more growth.

2. Riding a trend

Think Tesla during the pandemic of 2020 when EVs were riding a cultural high, or Nvidia in the current AI boom, or even Figma. These companies don’t have enough yield, or, enough growth, or both - however - they are riding a trend. They have momentum. These can be more volatile - they don’t have the floor of strong cash flow

0	Attractive yield Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 5.2%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.1%	Weak multi-year price returns 2Y Excs Rtn is -37%, 3Y Excs Rtn is -61%	Expensive valuation multiples P/CFOPrice/(Cash Flow from Operations). CFO is cash before capital expenditures. is 47x
1	Cash is significant % of market cap Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -134%		Weak revenue growth Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -2.8%, Rev Chg QQuarterly Revenue Change % is -43%
2	Low stock price volatility Vol 12M is 28%

0	Attractive yield Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 5.2%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.1%
1	Cash is significant % of market cap Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -134%
2	Low stock price volatility Vol 12M is 28%
3	Weak multi-year price returns 2Y Excs Rtn is -37%, 3Y Excs Rtn is -61%
4	Expensive valuation multiples P/CFOPrice/(Cash Flow from Operations). CFO is cash before capital expenditures. is 47x
5	Weak revenue growth Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -2.8%, Rev Chg QQuarterly Revenue Change % is -43%

Market Valuation & Key Metrics

Valuation
Key Metrics

	10/26/25	2024	2023	2022	2021
Share Price CYE	$102.00	$114.17	$95.57	$86.81	$90.30
Market Cap CYE ($ Bil)	36.1	40.5	34.4	31.9	34.1
Total Debt ($ Bil)	22.4	21.6	20.9	21.1	19.6
Total Cash ($ Bil)	16.1	18.5	19.4	17.3	12.9
Enterprise Value ($ Bil)	42.5	62.1	55.3	53.0	53.7
Valuation Ratios
P/S TTM	0.6	0.6	0.7	0.7	0.6
P/EBIT TTM	0.0	0.0	0.0	0.0	0.0
P/E TTM	15.7	15.5	15.2	-22.5	4.7
Sector Ratios
P/S TTM (Sector)	3.1	3.1	2.8	2.8	3.3
P/EBIT TTM (Sector)	7.0	6.9	7.0	6.2	6.8
P/E TTM (Sector)	12.1	11.6	10.1	9.3	9.9

	10/26/25	2024	2023
Share Price CYE	$102.00	$114.17	$95.57
Market Cap CYE ($ Bil)	36.1	40.5	34.4
Total Debt ($ Bil)	22.4	21.6	20.9
Total Cash ($ Bil)	16.1	18.5	19.4
Enterprise Value ($ Bil)	42.5	62.1	55.3
Valuation Ratios
P/S TTM	0.6	0.6	0.7
P/EBIT TTM	0.0	0.0	0.0
P/E TTM	15.7	15.5	15.2
Sector Ratios
P/S TTM (Sector)	3.1	3.1	2.8
P/EBIT TTM (Sector)	7.0	6.9	7.0
P/E TTM (Sector)	12.1	11.6	10.1

	PRU	S&P 500
REVENUE GROWTH	VERY POOR
Rev LTM ($ Bil)	60.6
Rev Chg Q	-42.5%	6.4%
Rev Chg LTM	-0.2%	5.3%
Rev Chg 3Y Avg	-2.8%	5.4%
PROFITABILITY	VERY POOR
Op Inc LTM ($ Bil)	�
CFO LTM ($ Bil)	0.8
Net Inc LTM ($ Bil)	2.3
CFO/Rev LTM	1.3%	20.5%
Net Inc Mgn	3.8%	12.7%
VALUATION	LOW
P/S	0.6	3.3
P/CFO	46.6	16.1
P/FCF	46.6	20.9
P/E	15.7	24.0

PRU Stock

Return (1M):

Return vs. Risk

Price Returns Compared

	2020	2021	2022	2023	2024	2025	Total [1]
Returns
PRU Return	-11%	45%	-4%	10%	19%	-11%	46%
Peers Return	-10%	37%	19%	7%	27%	8%	114%
S&P 500 Return	16%	27%	-19%	24%	23%	15%	110%
Monthly Win Rates [3]
PRU Win Rate	50%	67%	50%	58%	58%	44%
Peers Win Rate	57%	67%	62%	62%	65%	67%
S&P 500 Win Rate	58%	75%	42%	67%	75%	67%
Max Drawdowns [4]
PRU Max Drawdown	-58%	-2%	-18%	-21%	-2%	-19%
Peers Max Drawdown	-53%	-3%	-8%	-20%	-2%	-6%
S&P 500 Max Drawdown	-31%	-1%	-25%	-1%	-2%	-15%

[1] Cumulative total returns since the beginning of 2020
[2] Peers: TRV, AFL, MET, AIG, HIG. 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 10/24/2025 (YTD)

How Low Can It Go

Unique Key	Event	PRU	S&P 500
2022 Inflation Shock	2022 Inflation Shock
2022 Inflation Shock% Loss	% Loss	-36.2%	-25.4%
2022 Inflation Shock% Gain to Breakeven	% Gain to Breakeven	56.8%	34.1%
2022 Inflation ShockTime to Breakeven	Time to Breakeven	421 days	464 days
2020 Covid Pandemic	2020 Covid Pandemic
2020 Covid Pandemic% Loss	% Loss	-59.6%	-33.9%
2020 Covid Pandemic% Gain to Breakeven	% Gain to Breakeven	147.6%	51.3%
2020 Covid PandemicTime to Breakeven	Time to Breakeven	387 days	148 days
2018 Correction	2018 Correction
2018 Correction% Loss	% Loss	-39.0%	-19.8%
2018 Correction% Gain to Breakeven	% Gain to Breakeven	64.0%	24.7%
2018 CorrectionTime to Breakeven	Time to Breakeven	2031 days	120 days
2008 Global Financial Crisis	2008 Global Financial Crisis
2008 Global Financial Crisis% Loss	% Loss	-89.1%	-56.8%
2008 Global Financial Crisis% Gain to Breakeven	% Gain to Breakeven	813.8%	131.3%
2008 Global Financial CrisisTime to Breakeven	Time to Breakeven	2833 days	1480 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.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth over time.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About Prudential Financial (PRU)

Business Description

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.

Interactive Breakdown

Prudential Financial Interactive Breakdown Analysis

Better Bets than Prudential Financial (PRU)

	PRU	Better Performance than PRU
Metric	Value	Industry (Life & Health Insurance)
Rev Chg LTM	-0.2%	MFC (10.0%), MET (5.9%), UNM (2.0%), GL (4.0%), PRI (7.8%)
Rev Chg 3Y Avg	-2.8%	MFC (1.5%), MET (6.0%), UNM (2.9%), GL (4.5%), PRI (4.6%)
CFO/Rev LTM	1.3%	AFL (16.0%), MFC (60.3%), MET (21.1%), PFG (28.9%), UNM (12.3%)
FCF/Rev LTM	1.3%	AFL (16.0%), MFC (60.3%), MET (21.1%), PFG (28.4%), UNM (11.3%)
Total Yield	11.6%	MFC (16.6%), UNM (13.8%), AXS (14.6%), BHF (24.8%), TIPT (12.1%)

	PRU	Better Performance than PRU
Metric	Value	Sector (Financials)
Rev Chg LTM	-0.2%	JPM (8.2%), V (11.4%), MA (13.1%), BAC (5.4%), MS (16.7%)
Rev Chg 3Y Avg	-2.8%	JPM (13.5%), V (11.5%), MA (13.5%), BAC (5.0%), WFC (2.8%)
CFO/Rev LTM	1.3%	V (60.4%), MA (53.3%), BAC (4.4%), AXP (30.0%), RY (135.4%)
FCF/Rev LTM	1.3%	V (56.8%), MA (49.2%), BAC (4.4%), AXP (26.9%), RY (131.7%)
Total Yield	11.6%	TD (15.0%), BNS (12.2%), USB (13.3%), PNC (11.9%), TFC (13.2%)

	PRU	Better Performance than PRU
Metric	Value	All Other Sectors
Rev Chg LTM	-0.2%	NVDA (71.6%), AAPL (6.0%), MSFT (14.9%), GOOGL (13.1%), AMZN (10.9%)
Rev Chg 3Y Avg	-2.8%	NVDA (92.0%), AAPL (1.8%), MSFT (12.5%), GOOGL (10.2%), AMZN (11.3%)
CFO/Rev LTM	1.3%	NVDA (46.6%), AAPL (26.6%), MSFT (48.3%), GOOGL (36.0%), AMZN (18.1%)
FCF/Rev LTM	1.3%	NVDA (43.6%), AAPL (23.5%), MSFT (25.4%), GOOGL (18.0%), AMZN (2.0%)
Total Yield	11.6%	BABA (36.1%), TM (2036.8%), VZ (18.0%), PFE (12.8%), COP (11.7%)

		Best Bets In Financials Sector
	PRU	DBRG	OTF	MTG	NMIH	ENVA	ACGL	APAM	EEFT	FAF	KMPR
What You Pay
P/E	15.8	39.8	13.3	8.5	7.6	10.6	8.7	10.5	10.5	13.6	8.9
P/EBIT	�	64.9	9.2	6.4	5.6	8.2	7.7	6.1	6.3	8.2	6.5
What You Get
Rev Chg Q	-42.5%	-102.4%	1,228.5%	-0.3%	7.2%	16.3%	22.4%	4.4%	8.9%	40.7%	7.8%
Rev Chg LTM	-0.2%	-84.8%	89.0%	3.3%	10.0%	21.1%	23.5%	10.0%	8.7%	20.7%	2.6%
Rev Chg 3Y Avg	-2.8%	125.8%	221.9%	1.2%	10.1%	23.5%	29.8%	0.2%	9.1%	-3.3%	-4.7%
FCF/Rev 3Y Avg	9.7%	101.2%	76.2%	59.8%	58.8%	54.7%	38.4%	29.0%	15.9%	7.0%	2.0%

[1] Choosing top 10 best bets from each sector quarterly is an alpha producing strategy vs sector benchmark
[2] Historical annualized return of 21%, alpha of 9.1%, and sharpe of 0.94

Latest Trefis Analyses

	Title	Topic	Date
0	DASHBOARDS
1	How Low Can Prudential Financial Stock Really Go?	Return
2	PRU Dip Buy Analysis
3	Prudential Financial Total Shareholder Return (TSR): 24.6% in 2024 and 13.2% 3-yr compounded annual returns (below peer average)
4	Prudential Financial (PRU) Operating Cash Flow Comparison	Financials
5	Prudential Financial (PRU) Net Income Comparison	Financials
6	Prudential Financial vs. S&P500 Correlation	Correlation
7	Prudential Financial Price Volatility	Volatility
8	Fundamental Metrics: ...
9	PRU YTD Stock Return Of 15% Outperforms AFL by 9.3% and Underperforms HIG by -12%	Return
10	What to expect for Prudential Financial stock, one day after earnings?
11	ARTICLES
12	Sell Prudential Financial Stock Ahead Of Upcoming Earnings?		July 25th, 2025
13	How Will Prudential Financial Stock React To Its Upcoming Earnings?		April 28th, 2025
14	UP 19% Over The Last Year, What To Expect From Prudential Stock?		January 9th, 2025
15	Up 13% YTD, What To Expect From Prudential Financial Stock?		April 4th, 2024
16	Prudential Financial Stock To Post Mixed Results In Q4		February 6th, 2023

	Title
0	DASHBOARDS
1	Sell Prudential Financial Stock Ahead Of Upcoming Earnings?
2	How Will Prudential Financial Stock React To Its Upcoming Earnings?
3	UP 19% Over The Last Year, What To Expect From Prudential Stock?
4	Up 13% YTD, What To Expect From Prudential Financial Stock?
5	Prudential Financial Stock To Post Mixed Results In Q4
6	ARTICLES
7	How Low Can Prudential Financial Stock Really Go?
8	PRU Dip Buy Analysis
9	Prudential Financial Total Shareholder Return (TSR): 24.6% in 2024 and 13.2% 3-yr compounded annual returns (below peer average)
10	Prudential Financial (PRU) Operating Cash Flow Comparison
11	Prudential Financial (PRU) Net Income Comparison
12	Prudential Financial vs. S&P500 Correlation
13	Prudential Financial Price Volatility
14	Fundamental Metrics: ...
15	PRU YTD Stock Return Of 15% Outperforms AFL by 9.3% and Underperforms HIG by -12%
16	What to expect for Prudential Financial stock, one day after earnings?

Trade Ideas

Select past ideas related to PRU. For more, see Trefis Trade Ideas.

Unique Key	Date	Ticker	Company	Category	Trade Strategy	6M Fwd Rtn	12M Fwd Rtn	12M Max DD
HLNE_9302025_Dip_Buyer_FCFYield	09302025	HLNE	Hamilton Lane	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	-11.9%	-11.9%	-12.7%
CNS_9302025_Dip_Buyer_ValueBuy	09302025	CNS	Cohen & Steers	Dip Buy	DB \| P/E OPMDip Buy with Low PE and High Margin Buying dips for companies with tame PE and meaningfully high operating margin	8.7%	8.7%	-1.6%
JKHY_9262025_Monopoly_xInd_xCD_Getting_Cheaper	09262025	JKHY	Jack Henry & Associates	Monopoly	MY \| Getting CheaperMonopoly-Like with P/S Decline Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple	4.3%	4.3%	-2.1%
FDS_9192025_Monopoly_xInd_xCD_Getting_Cheaper	09192025	FDS	FactSet Research Systems	Monopoly	MY \| Getting CheaperMonopoly-Like with P/S Decline Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple	-1.3%	-1.3%	-4.9%
IBKR_9052025_Quality_Momentum_RoomToRun_10%	09052025	IBKR	Interactive Brokers	Quality	Q \| Momentum \| UpsideQuality Stocks with Momentum and Upside Buying quality stocks with strong momentum but still having room to run	14.3%	14.3%	0.0%

Unique Key	Date	Ticker	Company	Category	Trade Strategy	6M Fwd Rtn	12M Fwd Rtn	12M Max DD
HLNE_9302025_Dip_Buyer_FCFYield	09302025	HLNE	Hamilton Lane	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	-11.9%	-11.9%	-12.7%
CNS_9302025_Dip_Buyer_ValueBuy	09302025	CNS	Cohen & Steers	Dip Buy	DB \| P/E OPMDip Buy with Low PE and High Margin Buying dips for companies with tame PE and meaningfully high operating margin	8.7%	8.7%	-1.6%
JKHY_9262025_Monopoly_xInd_xCD_Getting_Cheaper	09262025	JKHY	Jack Henry & Associates	Monopoly	MY \| Getting CheaperMonopoly-Like with P/S Decline Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple	4.3%	4.3%	-2.1%
FDS_9192025_Monopoly_xInd_xCD_Getting_Cheaper	09192025	FDS	FactSet Research Systems	Monopoly	MY \| Getting CheaperMonopoly-Like with P/S Decline Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple	-1.3%	-1.3%	-4.9%
IBKR_9052025_Quality_Momentum_RoomToRun_10%	09052025	IBKR	Interactive Brokers	Quality	Q \| Momentum \| UpsideQuality Stocks with Momentum and Upside Buying quality stocks with strong momentum but still having room to run	14.3%	14.3%	0.0%

Recent Active Movers

1 Day Top Gainers

#	Ticker	Company	1D Rtn	YTD Rtn
1	INBX	Inhibrx Biosciences	102.0%	272.0%
2	MOFG	MidWestOne Financial	39.4%	39.2%
3	FLNC	Fluence Energy	21.8%	22.9%
4	CIFR	Cipher Mining	19.7%	345.3%
5	CLOV	Clover Health Investments	19.4%	21.3%
6	FIX	Comfort Systems USA	19.0%	132.2%
7	GRND	Grindr	18.9%	-15.6%
8	GOSS	Gossamer Bio	18.7%	174.2%
9	HIVE	HIVE Digital Technologies	17.8%	111.6%
10	WYFI	Whitefiber	17.4%

1 Day Top Losers

#	Ticker	Company	1D Rtn	YTD Rtn
1	PMI	Picard Medical	-59.8%	8328.6%
2	DECK	Deckers Outdoor	-15.2%	-57.2%
3	COUR	Coursera	-12.9%	8.2%
4	MXL	MaxLinear	-10.8%	-21.0%
5	GNTX	Gentex	-10.2%	-16.1%
6	ULH	Universal Logistics	-9.2%	-61.0%
7	MRTN	Marten Transport	-9.1%	-36.8%
8	WRLD	World Acceptance	-8.9%	25.6%
9	BAH	Booz Allen Hamilton	-8.9%	-27.9%
10	SNDX	Syndax Pharmaceuticals	-7.8%	2.3%

1 Week Top Gainers

#	Ticker	Company	1W Rtn	YTD Rtn
1	VICR	Vicor	57.5%	87.2%
2	INBX	Inhibrx Biosciences	53.8%	272.0%
3	CLB	Core Laboratories	48.7%	-2.4%
4	BALY	Ballys	46.2%	6.8%
5	MOFG	MidWestOne Financial	43.2%	39.2%
6	NUVB	Nuvation Bio	42.2%	82.3%
7	CLOV	Clover Health Investments	41.0%	21.3%
8	CELC	Celcuity	36.6%	442.2%
9	WGO	Winnebago Industries	33.6%	-12.7%
10	GTX	Garrett Motion	33.3%	91.3%

1 Week Top Losers

#	Ticker	Company	1W Rtn	YTD Rtn
1	PMI	Picard Medical	-45.4%	8328.6%
2	ITGR	Integer	-30.4%	-45.0%
3	METC	Ramaco Resources	-23.8%	244.9%
4	WRLD	World Acceptance	-18.6%	25.6%
5	ASM	Avino Silver & Gold Mines	-18.2%	450.5%
6	SES	SES AI	-17.6%	15.5%
7	SMPL	Simply Good Foods	-17.5%	-48.0%
8	TNGX	Tango Therapeutics	-17.0%	142.6%
9	OKLO	Oklo	-16.7%	540.8%
10	LENZ	LENZ Therapeutics	-16.4%	10.7%

1 Month Top Gainers

#	Ticker	Company	1M Rtn	YTD Rtn
1	WOLF	Wolfspeed	1498.4%	344.0%
2	PRAX	Praxis Precision Medicines	253.2%	126.1%
3	NVTS	Navitas Semiconductor	116.1%	294.1%
4	SNDK	SanDisk	97.4%
5	UAMY	United States Antimony	90.3%	578.5%
6	GRAL	GRAIL	85.2%	400.8%
7	BALY	Ballys	82.9%	6.8%
8	ORKA	Oruka Therapeutics	81.1%	40.5%
9	INBX	Inhibrx Biosciences	79.9%	272.0%
10	CIFR	Cipher Mining	77.2%	345.3%

1 Month Top Losers

#	Ticker	Company	1M Rtn	YTD Rtn
1	VG	Venture Global	-35.7%
2	PMI	Picard Medical	-35.3%	8328.6%
3	SOC	Sable Offshore	-33.7%	-41.7%
4	FWRD	Forward Air	-28.9%	-39.0%
5	FLY	Firefly Aerospace	-28.5%
6	ITGR	Integer	-28.4%	-45.0%
7	USNA	Usana Health Sciences	-26.5%	-42.0%
8	HTZ	Hertz Global	-26.3%	41.5%
9	RC	Ready Capital	-25.1%	-50.3%
10	ULH	Universal Logistics	-24.8%	-61.0%

Recent Active Movers

1 Day Top Gainers

#	Ticker	Company	1D Rtn	YTD Rtn
1	INBX	Inhibrx Biosciences	102.0%	272.0%
2	MOFG	MidWestOne Financial	39.4%	39.2%
3	FLNC	Fluence Energy	21.8%	22.9%
4	CIFR	Cipher Mining	19.7%	345.3%
5	CLOV	Clover Health Investments	19.4%	21.3%
6	FIX	Comfort Systems USA	19.0%	132.2%
7	GRND	Grindr	18.9%	-15.6%
8	GOSS	Gossamer Bio	18.7%	174.2%
9	HIVE	HIVE Digital Technologies	17.8%	111.6%
10	WYFI	Whitefiber	17.4%

1 Day Top Losers

#	Ticker	Company	1D Rtn	YTD Rtn
1	PMI	Picard Medical	-59.8%	8328.6%
2	DECK	Deckers Outdoor	-15.2%	-57.2%
3	COUR	Coursera	-12.9%	8.2%
4	MXL	MaxLinear	-10.8%	-21.0%
5	GNTX	Gentex	-10.2%	-16.1%
6	ULH	Universal Logistics	-9.2%	-61.0%
7	MRTN	Marten Transport	-9.1%	-36.8%
8	WRLD	World Acceptance	-8.9%	25.6%
9	BAH	Booz Allen Hamilton	-8.9%	-27.9%
10	SNDX	Syndax Pharmaceuticals	-7.8%	2.3%

1 Week Top Gainers

#	Ticker	Company	1W Rtn	YTD Rtn
1	VICR	Vicor	57.5%	87.2%
2	INBX	Inhibrx Biosciences	53.8%	272.0%
3	CLB	Core Laboratories	48.7%	-2.4%
4	BALY	Ballys	46.2%	6.8%
5	MOFG	MidWestOne Financial	43.2%	39.2%
6	NUVB	Nuvation Bio	42.2%	82.3%
7	CLOV	Clover Health Investments	41.0%	21.3%
8	CELC	Celcuity	36.6%	442.2%
9	WGO	Winnebago Industries	33.6%	-12.7%
10	GTX	Garrett Motion	33.3%	91.3%

1 Week Top Losers

#	Ticker	Company	1W Rtn	YTD Rtn
1	PMI	Picard Medical	-45.4%	8328.6%
2	ITGR	Integer	-30.4%	-45.0%
3	METC	Ramaco Resources	-23.8%	244.9%
4	WRLD	World Acceptance	-18.6%	25.6%
5	ASM	Avino Silver & Gold Mines	-18.2%	450.5%
6	SES	SES AI	-17.6%	15.5%
7	SMPL	Simply Good Foods	-17.5%	-48.0%
8	TNGX	Tango Therapeutics	-17.0%	142.6%
9	OKLO	Oklo	-16.7%	540.8%
10	LENZ	LENZ Therapeutics	-16.4%	10.7%

Peer Comparisons for Prudential Financial

Financials

	PRU	TRV	AFL	MET	AIG	HIG	Median
Name	Prudenti.	Traveler.	Aflac	MetLife	American.	Hartford.
Mkt Price	102.18	269.89	107.18	78.68	79.00	125.11	104.68
Mkt Cap	36.2	60.5	57.5	52.8	45.3	35.5	49.0
Rev LTM	60,620	48,409	16,204	72,078	27,743	27,259	38,076
Op Inc LTM	-	-	-	-	-	-	-
FCF LTM	775	9,985	2,591	15,229	3,159	5,690	4,424
FCF 3Y Avg	5,888	8,682	2,998	13,793	4,796	4,816	5,352
CFO LTM	775	9,985	2,591	15,229	3,159	5,828	4,494
CFO 3Y Avg	5,888	8,682	2,998	13,793	4,796	5,003	5,446

Growth & Margins

	PRU	TRV	AFL	MET	AIG	HIG	Median
Name	Prudenti.	Traveler.	Aflac	MetLife	American.	Hartford.
Rev Chg LTM	-0.2%	6.7%	-16.6%	5.9%	2.2%	7.8%	4.0%
Rev Chg 3Y Avg	-2.8%	10.1%	-7.4%	6.0%	-8.5%	8.1%	1.6%
Rev Chg Q	-42.5%	4.8%	-18.2%	-1.8%	7.2%	7.8%	1.5%
QoQ Delta Rev Chg LTM	-14.2%	1.2%	-5.5%	-0.4%	1.7%	1.9%	0.4%
Op Mgn LTM	-	-	-	-	-	-	-
Op Mgn 3Y Avg	-	-	-	-	-	-	-
QoQ Delta Op Mgn LTM	-	-	-	-	-	-	-
CFO/Rev LTM	1.3%	20.6%	16.0%	21.1%	11.4%	21.4%	18.3%
CFO/Rev 3Y Avg	9.7%	19.4%	16.6%	19.7%	19.7%	19.6%	19.5%
FCF/Rev LTM	1.3%	20.6%	16.0%	21.1%	11.4%	20.9%	18.3%
FCF/Rev 3Y Avg	9.7%	19.4%	16.6%	19.7%	19.7%	18.9%	19.1%

Valuation

	PRU	TRV	AFL	MET	AIG	HIG	Median
Name	Prudenti.	Traveler.	Aflac	MetLife	American.	Hartford.
Mkt Cap	36.2	60.5	57.5	52.8	45.3	35.5	49.0
P/S	0.6	1.2	3.5	0.7	1.6	1.3	1.3
P/EBIT	-	7.9	16.9	7.8	8.9	8.3	8.3
P/E	15.8	10.3	23.6	12.3	14.1	10.9	13.2
P/CFO	46.7	6.1	22.2	3.5	14.3	6.1	10.2
Total Yield	11.6%	10.5%	6.2%	11.0%	9.2%	10.8%	10.6%
Dividend Yield	5.2%	0.8%	2.0%	2.9%	2.2%	1.6%	2.1%
FCF Yield 3Y Avg	15.6%	17.2%	6.2%	28.1%	10.3%	16.3%	16.0%
D/E	0.6	0.2	0.2	0.4	0.2	0.1	0.2
Net D/E	-1.3	-1.5	-1.2	-1.8	-0.6	-0.5	-1.3

Returns

	PRU	TRV	AFL	MET	AIG	HIG	Median
Name	Prudenti.	Traveler.	Aflac	MetLife	American.	Hartford.
1M Rtn	-0.4%	-1.6%	-2.1%	-2.0%	2.5%	-4.9%	-1.8%
3M Rtn	-1.6%	3.8%	3.7%	0.9%	-0.8%	1.8%	1.4%
6M Rtn	1.8%	5.0%	-0.2%	6.2%	-1.6%	6.2%	3.4%
12M Rtn	-13.2%	9.5%	-0.8%	-1.8%	5.1%	13.3%	2.1%
3Y Rtn	17.1%	62.1%	83.9%	21.8%	55.7%	91.7%	58.9%
1M Excs Rtn	-3.3%	-4.4%	-4.9%	-4.8%	-0.4%	-7.7%	-4.6%
3M Excs Rtn	-6.5%	0.0%	-0.0%	-4.2%	-6.0%	-2.7%	-3.4%
6M Excs Rtn	-21.1%	-17.9%	-23.1%	-16.7%	-24.6%	-16.7%	-19.5%
12M Excs Rtn	-30.8%	-10.2%	-19.0%	-20.6%	-11.3%	-10.1%	-15.2%
3Y Excs Rtn	-61.0%	-19.6%	5.7%	-55.6%	-23.7%	11.5%	-21.7%

Financials

Annual
Quarterly

$ Mil \| FY: 12/31	LTM	2024	2023	2022	2021	2020	2019
Period End	3/31/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019
Filing Date	5/1/2025	2/13/2025	2/21/2024	2/16/2023	2/17/2022	2/19/2021	2/14/2020
Key Financials
Total Revenue	60,620	70,645	54,265	56,960	71,149	57,030	64,800
Net Income	2,296	2,727	2,488	-1,647	8,868	-374	4,186
EPS	6.34	7.54	6.76	-4.49	22.56	-1.00	10.23
Growth Rates
Total Revenue Growth	-0.2%	30.2%	-4.7%	-19.9%	24.8%	-12.0%	2.9%
Net Income Growth	6.1%	9.6%	251.1%	-118.6%	2471.1%	-108.9%	2.7%
Margins
Net Income Margin	3.8%	3.9%	4.6%	-2.9%	12.5%	-0.7%	6.5%
Cash & Debt
Total Cash	70,920	66,393	340,745	329,561	391,933	434,406	412,890
Total Debt	22,389	21,570	20,874	21,057	19,618	20,948	21,853
Net Debt / (Cash)	-48,531	-44,823	-319,871	-308,504	-372,315	-413,458	-391,037
Cash Flows
Net Cash from Operations	775	8,502	6,510	5,158	9,812	8,368	19,625
Free Cash from Operations	775	8,502	6,510	5,158	9,812	8,368	19,625
Returns to Shareholders
Dividends	1,899	1,891	1,846	1,817	1,814	1,766	1,641
Share Repurchases	1,004	1,000	1,012	1,488	2,500	500	2,500

$ Mil \| FY: 12/31	2025Q1	2024Q4	2024Q3	2024Q2	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2
Period End	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022	6/30/2022
Filing Date	5/1/2025	2/13/2025	10/31/2024	8/2/2024	5/2/2024	2/21/2024	11/2/2023	8/3/2023	5/4/2023	2/16/2023	11/3/2022	8/5/2022
Key Financials Quarterly
Total Revenue	13,537	12,615	19,533	14,935	23,562	15,242	8,442	13,518	17,063	11,651	20,224	11,468
Net Income	707	-57	448	1,198	1,138	1,317	-802	511	1,462	-52	-92	-1,010
EPS	1.97	-0.17	1.24	3.30	3.13	3.62	-2.23	1.38	3.94	-0.16	-0.26	-2.71
Key Financials TTM
Total Revenue TTM	60,620	70,645	73,272	62,181	60,764	54,265	50,674	62,456	60,406	55,194	60,286	61,660
Net Income TTM	2,296	2,727	4,101	2,851	2,164	2,488	1,119	1,829	308	-1,647	757	2,379
Growth Rates Quarterly
Total Revenue Growth	-42.5%	-17.2%	131.4%	10.5%	38.1%	30.8%	-58.3%	17.9%	44.0%	-30.4%	-6.4%	-28.0%
Net Income Growth	-37.9%	-104.3%	155.9%	134.4%	-22.2%	2632.7%	-771.7%	150.6%	396.6%	-102.2%	-106.0%	-146.8%
Margins Quarterly
Net Income Margin	5.2%	-0.5%	2.3%	8.0%	4.8%	8.6%	-9.5%	3.8%	8.6%	-0.4%	-0.5%	-8.8%
Cash & Debt
Total Cash	70,920	66,393	68,093	63,334	343,198	340,745	317,282	331,941	343,114	329,561	321,126	327,842
Total Debt	22,389	21,570	21,482	21,115	21,085	20,874	20,283	20,041	21,571	21,057	20,883	20,402
Net Debt / (Cash)	-48,531	-44,823	-46,611	-42,219	-322,113	-319,871	-296,999	-311,900	-321,543	-308,504	-300,243	-307,440
Cash Flows Quarterly
FCF from Operations	-2,506	2,322	1,105	-146	5,221	1,103	2,840	1,224	1,343	-622	4,278	1,501
Cash Flows TTM
FCF from Operations TTM	775	8,502	7,283	9,018	10,388	6,510	4,785	6,223	6,500	5,158	9,113	10,252
Returns to Shareholders Quarterly
Dividends	491	467	469	472	483	455	458	460	473	446	450	455
Share Repurchases	246	254	253	251	242	258	250	253	251	375	375	374
Return on Invested Capital (ROIC) Quarterly
ROIC	-	-	-	-	-	-	-	-	-	-	-	-
Return on Invested Capital (ROIC) TTM
ROIC TTM	-	-	-	-	-	-	-	-	-	-	-	-

Segment Financials

Revenue by Segment

$ Mil	2024	2023	2022	2021	2020
Institutional Retirement Strategies	11,030	19,116	15,541	10,051	15,064
Life Planner	9,596	9,541	10,169
Gibraltar Life and Other	9,086	9,470	10,717
Group Insurance	6,285	6,115	6,219	5,786	5,750
Individual Life	6,274	5,786	6,170	6,398	6,115
Individual Retirement Strategies	4,532	5,470	4,460	4,440	4,995
Divested and Run-off Businesses - Closed Block division	3,666	2,958	5,947	4,766	5,642
Prudential Investment Management, Inc (PGIM)	3,638	3,622	4,493	4,153	3,589
Divested and Run-off Businesses -Other Divested and Run-off Businesses	1,888	1,250	2,877	4,420	3,660
Market experience updates	67	161	-8	-196	-79
Change in value of market risk benefits, net of related hedging gains (losses)	56	-443	3,562
Corporate and Other	49	-84	463	-513	-677
Other adjustments	0	0		105	-5
Equity in earnings of joint ventures and other operating entities and earnings attributable to	-85	2	-109	-138	-146
Realized investment gains (losses), net, and related charges and adjustments	-2,103	-6,083	755	-4,072	114
Charges related to realized investment gains (losses), net			-9	-134	-252
Assurance IQ				391	101
International Businesses				21,576	20,936
Total	53,979	56,881	71,247	57,033	64,807

Assets by Segment

$ Mil	2024	2021	2020
Individual Retirement Strategies	139,934	200,718	189,040
Individual Life	116,449	110,953	96,072
Institutional Retirement Strategies	111,308	115,237	198,153
Gibraltar Life and Other	110,060
Life Planner	81,164
Closed Block division	51,088	62,089	61,327
Prudential Investment Management, Inc (PGIM)	42,153	48,680	47,655
Group Insurance	39,214	45,601	43,712
Corporate and Other	29,842	123,613	44,619
Assurance IQ		2,703	2,639
International Businesses		231,128	213,335
Total	721,212	940,722	896,552

Price Behavior

Price Behavior

Market Price	$102.18
Market Cap ($ Bil)	36.1
First Trading Date	12/13/2001
Distance from 52W High	-18.1%
	50 Days	200 Days
DMA Price	$104.60	$105.02
DMA Trend	down	indeterminate
Distance from DMA	-2.3%	-2.7%
	3M	1YR
Volatility	23.3%	28.0%
Downside Capture	114.29	104.58
Upside Capture	69.38	73.40
Correlation (SPY)	55.4%	74.0%

PRU Betas & Captures as of 9/30/2025

	1M	2M	3M	6M	1Y	3Y
Beta	1.47	1.36	1.32	1.10	1.06	1.03
Up Beta	2.38	1.95	1.76	0.97	1.04	1.03
Down Beta	0.74	0.91	1.28	1.27	1.21	1.20
Up Capture	35%	104%	82%	89%	75%	75%
Bmk +ve Days	13	23	35	74	144	420
Stock +ve Days	10	23	33	67	129	405
Down Capture	281%	154%	162%	132%	107%	100%
Bmk -ve Days	8	19	29	52	107	330
Stock -ve Days	11	19	31	59	122	344

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively

Short Interest

Short Interest: As Of Date	10152025
Short Interest: Shares Quantity	5,749,042
Short Interest: % Change Since 9302025	2.9%
Average Daily Volume	1,396,809
Days-to-Cover Short Interest	4.12
Basic Shares Quantity	354,300,000
Short % of Basic Shares	1.6%

Returns Analyses

	Title
0	How Low Can Prudential Financial Stock Really Go?
1	PRU YTD Stock Return Of 15% Outperforms AFL by 9.3% and Underperforms HIG by -12%
2	Prudential Financial (PRU) Stock Has 56% Chance Of Rise In The Next One Month
3	Prudential Financial Stock Return Comparison
4	Prudential Financial Total Shareholder Return (TSR): -3.7% in 2022 and 7.0% 3-yr returns (below peer average)

Earnings Returns History

Expand for More

	Forward Returns
Earnings Date	1D Returns	5D Returns	21D Returns
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%
11/1/2023	0.4%	-0.7%	8.4%
...
SUMMARY STATS
# Positive	11	13	14
# Negative	13	11	10
Median Positive	2.3%	2.5%	8.3%
Median Negative	-2.6%	-2.4%	-4.4%
Max Positive	6.2%	11.8%	18.1%
Max Negative	-10.0%	-11.2%	-21.8%

	Forward Returns
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%
11/1/2023	0.4%	-0.7%	8.4%
8/1/2023	-1.1%	1.0%	-0.6%
5/2/2023	-2.6%	-2.4%	-2.6%
2/7/2023	1.5%	0.5%	-10.7%
11/1/2022	-0.7%	-2.5%	2.8%
8/2/2022	-1.2%	0.6%	-1.1%
5/3/2022	1.7%	-5.0%	-2.4%
2/3/2022	4.4%	7.0%	-9.1%
11/2/2021	2.5%	-1.8%	-6.0%
8/3/2021	-2.2%	3.8%	3.7%
5/4/2021	2.5%	3.2%	7.6%
2/4/2021	-3.2%	-1.8%	13.6%
11/3/2020	-6.9%	11.3%	18.1%
8/4/2020	6.2%	11.8%	10.9%
5/5/2020	-7.9%	-7.6%	13.6%
2/4/2020	2.3%	2.5%	-21.8%
11/4/2019	-2.6%	-2.4%	-2.9%
SUMMARY STATS
# Positive	11	13	14
# Negative	13	11	10
Median Positive	2.3%	2.5%	8.3%
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
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
9302021	11042021	10-Q 9/30/2021

Insider Activity

Expand for More

	Owner	Title	Filing Date	Action	Price	Shares	Transacted Value	Value of Held Shares	Form
0	KAPPLER ANN M	EVP and General Counsel	9032025	Sell	109.65	4,000	438,600	2,358,133	Form
1	Feeney Caroline	Executive Vice President	3212025	Buy	115.90	125	14,439	1,322,370	Form
2	SULLIVAN ANDREW F	Executive Vice President	3142025	Sell	105.98	6,000	635,880	2,869,091	Form
3	Di Sibio Carmine		2242025	Buy	111.04	200	22,208	22,208	Form
4	TODMAN MICHAEL		2112025	Sell	112.98	2,950	333,291	42,368	Form

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1	TradingView	Morningstar
2	SeekingAlpha	ValueLine
3	Motley Fool	Robinhood
4	CNBC	Etrade
5	MarketWatch	Unusual Whales
6	YCharts	Perplexity Finance
7	FinViz

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Prudential Financial (PRU)

Market Price (10/26/2025): $102.0 | Market Cap: $36.1 BilSector: Financials | Industry: Life & Health Insurance

Prudential Financial (PRU)

Market Price (10/26/2025): $102.0Market Cap: $36.1 BilSector: FinancialsIndustry: Life & Health Insurance

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PRU Stock

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About Prudential Financial (PRU)

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Market Price (10/26/2025): $102.0 | Market Cap: $36.1 Bil
Sector: Financials | Industry: Life & Health Insurance

Market Price (10/26/2025): $102.0
Market Cap: $36.1 Bil
Sector: Financials
Industry: Life & Health Insurance