PRU:NYE-Prudential Financial, Inc (USD)

COMMON STOCK | Insurance—Life | NYE

Last Closing Price

USD 78.73

Change

-1.12 (-1.40)%

Market Cap

USD 31.62B

Volume

1.56M

Average Target Price

USD 73.13 (-7.12%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Prudential Financial, Inc., through its subsidiaries, provides insurance, investment management, and other financial products and services. It operates through eight segments: PGIM, Retirement, Group Insurance, Individual Annuities, Individual Life, Assurance IQ, International Businesses, and Closed Block. The company offers asset management 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, as well as to insurance company separate accounts, government sponsored entities, and the general account. It 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 plans and affinity groups. 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. It also offers individual life insurance, retirement, and related products to the mass affluent and affluent markets in Japan, Korea, and other foreign countries, as well as middle income and mass affluent markets. In addition, the company provides third-party life, health, Medicare, and property and casualty products to retail shoppers through its digital and independent agent channels. It offers its products and services to individual and institutional customers through its proprietary and third-party distribution networks. The company was founded in 1875 and is headquartered in Newark, New Jersey.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2020-11-25 )

Largest Industry Peers for Insurance—Life

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
LFC China Life Insurance Company L..

+0.07 (+0.62%)

USD151.46B 8.30 N/A
MET-PE MetLife, Inc

N/A

USD49.20B 4.12 N/A
MET-PA MetLife, Inc

-0.01 (-0.04%)

USD49.07B 3.65 N/A
PUK Prudential plc

-1.13 (-3.33%)

USD43.98B 33.87 N/A
MET MetLife, Inc

-0.91 (-1.87%)

USD43.80B 7.47 N/A
MFC Manulife Financial Corporation

-0.26 (-1.50%)

USD33.68B 8.12 N/A
AFL Aflac Incorporated

-0.52 (-1.13%)

USD32.40B 6.88 N/A
GL Globe Life Inc

-0.87 (-0.89%)

USD10.21B 14.16 N/A
LNC Lincoln National Corporation

-0.72 (-1.41%)

USD9.84B 11.38 N/A
PRI Primerica, Inc

-0.97 (-0.71%)

USD5.33B 13.99 N/A

ETFs Containing PRU

Symbol Name Weight Mer Price(Change) Market Cap
CYH:CA iShares Global Monthly Di.. 0.00 % 0.60 %

-0.12 (-0.66%)

USD0.12B
FLI:CA CI First Asset U.S. &.. 0.00 % 0.75 %

-0.06 (-0.66%)

USD0.06B
IAK iShares U.S. Insurance ET.. 0.00 % 0.43 %

-0.74 (-1.10%)

USD0.06B
PXLV Invesco S&P 500 Value wit.. 0.00 % 0.39 %

N/A

USD0.06B
RDIV Invesco S&P Ultra Dividen.. 0.00 % 0.39 %

-0.50 (-1.44%)

USD0.58B
RWW Invesco S&P Financials Re.. 0.00 % 0.45 %

N/A

USD0.04B
RWW Invesco S&P Financials Re.. 0.00 % 0.45 %

N/A

USD0.04B
RWW Invesco S&P Financials Re.. 0.00 % 0.45 %

N/A

USD0.04B
RWW Invesco S&P Financials Re.. 0.00 % 0.45 %

N/A

USD0.04B
RWW Invesco S&P Financials Re.. 0.00 % 0.45 %

N/A

USD0.04B
VETS Pacer Military Times Best.. 0.00 % 0.60 %

+3.30 (+10.88%)

USD1.45M
RUBY Rubius Therapeutics, Inc 0.00 % 0.00 %

+0.12 (+1.87%)

USD0.52B
EXX5:F iShares Dow Jones U.S. Se.. 0.00 % 0.31 %

-0.60 (-1.03%)

USD0.26B
EXX5:XETRA iShares Dow Jones U.S. Se.. 0.00 % 0.31 %

-0.47 (-0.81%)

USD0.26B

Market Performance

  Market Performance vs.
Industry/Classification (Insurance—Life)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain -16.01% 18% F 24% F
Dividend Return 4.69% 93% A 84% B
Total Return -11.32% 41% F 27% F
Trailing 12 Months  
Capital Gain -16.17% 18% F 23% F
Dividend Return 4.68% 93% A 80% B-
Total Return -11.49% 24% F 25% F
Trailing 5 Years  
Capital Gain -8.75% 47% F 30% F
Dividend Return 20.63% 85% B 68% D+
Total Return 11.88% 60% D- 33% F
Average Annual (5 Year Horizon)  
Capital Gain 2.61% N/A N/A 58% F
Dividend Return 3.67% N/A N/A 75% C
Total Return 6.28% N/A N/A 61% D-
Risk Return Profile  
Volatility (Standard Deviation) 26.95% N/A N/A 26% F
Risk Adjusted Return 23.32% N/A N/A 43% F
Market Capitalization 31.62B 65% D 92% A-
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Insurance—Life)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 8.85 47% F 80% B-
Price/Book Ratio 0.45 75% C 94% A
Price / Cash Flow Ratio 1.61 71% C- 77% C+
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity -0.05% 12% F 35% F
Return on Invested Capital 5.43% 35% F 50% F
Return on Assets 0.01% 12% F 22% F
Debt to Equity Ratio 29.54% 33% F 74% C
Technical Ratios  
Short Ratio 2.79 59% F 41% F
Short Percent 1.36% 85% B 78% C+
Beta 1.70 12% F 17% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Underpriced compared to book value

The stock is trading low compared to its peers on a price to book value basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

What to not like:
Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Poor capital utilization

The company management has delivered below median return on invested capital in the most recent 4 quarters compared to its peers.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Higly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.