Prudential Financial, Inc. logo

Prudential Financial, Inc.

PRU

NYSEFinancial ServicesInsurance - Life

Previous close

$121.15

+$0.56 · +0.46%

Aug 21, 4:00 PM ET

PRU company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

87

Deep Value

Momentum

49

Neutral

Sentiment

59

Mixed

Risk resilience

81

Low Risk

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Company profile

Company website

Prudential Financial, Inc., together with its subsidiaries, provides financial products and services in the United States, Japan and internationally. It operates through PGIM, Retirement Strategies, Group Insurance, Individual Life, and International Businesses segments. The PGIM segment 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 insurance and retirement businesses. The Retirement Strategies segment provides a range of retirement investment, and income products and services to retirement plan sponsors in the public, private, and not-for-profit sectors; group annuities and other products; international reinsurance; investment only products; and FlexGuard suite, Fixed annuities, and variable annuities, as well as develops and distributes individual variable and fixed annuity products. The Group Insurance segment offers various group life, and long-term and short-term group disability, as well as group corporate-, bank-, and trust-owned life insurance; and supplemental health solutions including accident, critical illness, and hospital indemnity. The Individual Life segment develops and distributes variable life, universal life, and term life insurance products. The International Businesses segment develops and distributes life insurance, retirement products, investment products, and certain accident and health products. The company provides its products and services to individual and institutional customers through its proprietary and third-party distribution networks, financial professionals, and trusted partnerships. Prudential Financial, Inc. was founded in 1875 and is headquartered in Newark, New Jersey.

Industry
Insurance - Life
Sector
Financial Services
Headquarters
US
CEO
Andrew F. Sullivan
Listed since
Dec 13, 2001
Employees
36,607

Market position

Day range

Current $121.15

52-week range

Current $121.15

Open
$121.96
Previous close
$120.59
Volume
1.16M
0.58× average
Average volume
1.99M
Average daily volume
Market cap
42.04B USD
Beta
0.83
Market reference 1
50-day average
$116.56
+3.94% above average
200-day average
$107.28
+12.93% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
42.75B USD
P/E (TTM)
10.87×
P/B (TTM)
1.24×
P/S (TTM)
0.65×
EV / EBITDA
8.93×
Earnings yield
9.05%
Free cash flow yield
15.88%
Dividend yield
4.54%

Profitability & efficiency

Gross margin
30.76%
Operating margin
7.68%
Net margin
5.93%
Return on equity
11.02%
Return on assets
0.46%
Return on invested capital
0.68%

Financial health

Debt / equity
0.65×
Current ratio
0.61×
Altman Z-score
0.48
Piotroski F-score
9 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends44%27%10%-8%Gross margin, FY2021: 39.75%Gross margin, FY2022: 20.86%Gross margin, FY2023: 32.35%Gross margin, FY2024: 24.79%Gross margin, FY2025: 31.06%Operating margin, FY2021: 15.23%Operating margin, FY2022: -3.32%Operating margin, FY2023: 5.66%Operating margin, FY2024: 4.54%Operating margin, FY2025: 7.64%Net margin, FY2021: 12.46%Net margin, FY2022: -2.89%Net margin, FY2023: 4.58%Net margin, FY2024: 3.86%Net margin, FY2025: 5.87%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 39.75%. Gross margin FY2022 20.86%. Gross margin FY2023 32.35%. Gross margin FY2024 24.79%. Gross margin FY2025 31.06%. Operating margin FY2021 15.23%. Operating margin FY2022 -3.32%. Operating margin FY2023 5.66%. Operating margin FY2024 4.54%. Operating margin FY2025 7.64%. Net margin FY2021 12.46%. Net margin FY2022 -2.89%. Net margin FY2023 4.58%. Net margin FY2024 3.86%. Net margin FY2025 5.87%.

Income trends

Revenue

60.97B USD-13.74%

Operating income

4.66B USD+45.12%

Net income

3.58B USD+31.13%
Income trends across reported periods78.45B USD49.24B USD20.02B USD−9.2B USDRevenue, FY2021: 71.15B USDRevenue, FY2022: 56.99B USDRevenue, FY2023: 54.27B USDRevenue, FY2024: 70.68B USDRevenue, FY2025: 60.97B USDOperating income, FY2021: 10.84B USDOperating income, FY2022: −1.89B USDOperating income, FY2023: 3.07B USDOperating income, FY2024: 3.21B USDOperating income, FY2025: 4.66B USDNet income, FY2021: 8.87B USDNet income, FY2022: −1.65B USDNet income, FY2023: 2.49B USDNet income, FY2024: 2.73B USDNet income, FY2025: 3.58B USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 71.15B USD. Revenue FY2022 56.99B USD. Revenue FY2023 54.27B USD. Revenue FY2024 70.68B USD. Revenue FY2025 60.97B USD. Operating income FY2021 10.84B USD. Operating income FY2022 −1.89B USD. Operating income FY2023 3.07B USD. Operating income FY2024 3.21B USD. Operating income FY2025 4.66B USD. Net income FY2021 8.87B USD. Net income FY2022 −1.65B USD. Net income FY2023 2.49B USD. Net income FY2024 2.73B USD. Net income FY2025 3.58B USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue60.97B USD70.68B USD54.27B USD56.99B USD71.15B USD
Cost of goods sold42.03B USD53.16B USD36.71B USD45.1B USD42.87B USD
Gross profit18.94B USD17.52B USD17.56B USD11.89B USD28.28B USD
Selling, general, and administrative13.01B USD13.34B USD12.95B USD12.58B USD13.61B USD
Operating expenses14.28B USD14.31B USD14.48B USD13.78B USD17.45B USD
Interest expense2.11B USD
Depreciation and amortization128M USD383M USD−70M USD117M USD206M USD
Operating income4.66B USD3.21B USD3.07B USD−1.89B USD10.84B USD
Net income3.58B USD2.73B USD2.49B USD−1.65B USD8.87B USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
55%
6 beats, 5 misses, 0 met estimates
Average EPS surprise
+4.09%
11 comparable reports
Latest EPS result
4.08
Estimate 3.52 · Beat by 15.91%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates4.433.883.342.79Q1 '25MissQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 4, 2025: actual 2.96, estimate 3.36, surprise -11.90%, Miss. Q2 2025, reported Apr 30, 2025: actual 3.29, estimate 3.18, surprise +3.46%, Beat. Q3 2025, reported Jul 30, 2025: actual 3.58, estimate 3.22, surprise +11.18%, Beat. Q4 2025, reported Oct 29, 2025: actual 4.26, estimate 3.72, surprise +14.52%, Beat. Q1 2026, reported Feb 3, 2026: actual 3.3, estimate 3.37, surprise -2.08%, Miss. Q2 2026, reported May 5, 2026: actual 3.61, estimate 3.09, surprise +16.83%, Beat. Q3 2026, reported Aug 4, 2026: actual 4.08, estimate 3.52, surprise +15.91%, Beat. Q4 2026, reported Nov 4, 2026: actual —, estimate 3.44, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates18.67B16.41B14.15B11.9BQ1 '25MissQ2 '25MissQ3 '25BeatQ4 '25BeatQ1 '26MissQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Feb 4, 2025: actual 12.62B USD, estimate 14.71B USD, surprise -14.24%, Miss. Q2 2025, reported Apr 30, 2025: actual 13.54B USD, estimate 14.44B USD, surprise -6.27%, Miss. Q3 2025, reported Jul 30, 2025: actual 13.77B USD, estimate 13.51B USD, surprise +1.93%, Beat. Q4 2025, reported Oct 29, 2025: actual 17.95B USD, estimate 14.14B USD, surprise +26.98%, Beat. Q1 2026, reported Feb 3, 2026: actual 14.52B USD, estimate 14.67B USD, surprise -1.02%, Miss. Q2 2026, reported May 5, 2026: actual 15.23B USD, estimate 14.1B USD, surprise +8.02%, Beat. Q3 2026, reported Aug 4, 2026: actual 14.16B USD, estimate 14.36B USD, surprise -1.43%, Miss. Q4 2026, reported Nov 4, 2026: actual —, estimate 15.04B USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$105.89

12.60% downside
Past 12 months12-month forecastHigh $128Average $105.89Low $87.00

Rating distribution

37 ratings
Strong buy00%
Buy719%
Hold2568%
Sell514%
Strong sell00%

Recent analyst actions

12 institutions

PRU news

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$5.40

2025 complete year+17.4% since 2021

2026 partial: $2.80

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Aug 25, 2026

$1.40

Quarterly

Record Aug 25, 2026 · Payment Sep 10, 2026

Dividend

Ex-dividend May 26, 2026

$1.40

Quarterly

Record May 26, 2026 · Payment Jun 11, 2026

Dividend

Ex-dividend Feb 17, 2026

$1.40

Quarterly

Record Feb 17, 2026 · Payment Mar 12, 2026

Dividend

Ex-dividend Nov 18, 2025

$1.35

Quarterly

Record Nov 18, 2025 · Payment Dec 11, 2025

Dividend

Ex-dividend Aug 19, 2025

$1.35

Quarterly

Record Aug 19, 2025 · Payment Sep 11, 2025

Dividend

Ex-dividend May 20, 2025

$1.35

Quarterly

Record May 20, 2025 · Payment Jun 12, 2025

PRU peers

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