Prudential Financial (PRU) stock
Financials · Life & Health Insurance
Prudential Financial (PRU) is a Life & Health Insurance company in the Financials sector, headquartered in Newark, New Jersey. As of October 23, 2026, PRU closed at $114.99, a market capitalization of $39.67 billion, the 276th largest company in the S&P 500. Over the last twelve months it generated $65.22 billion in revenue (+14% year over year) and $10.97 billion in free cash flow. The stock trades at 10.4x trailing earnings and 8.2x forward earnings.
- 1-year total return: +19.0% (dividends reinvested)
- 5-year return: +5.2% a year
- 52-week range: $91.89 – $127.72
- Gross margin 29.0%, operating margin 7.5%
- Dividend yield: 4.87%, 12 straight years of increases
- FI Handbook report card: B- across 10 metrics
- 46th largest of 76 Financials stocks in the S&P 500
PRU price chart
1Y price change: +13.0% (price only; total returns below include dividends)
| Total return | 1M | YTD | 1Y | 3Y | 5Y | 10Y | MAX |
|---|---|---|---|---|---|---|---|
| PRU | -2.2% | +5.9% | +19.0% | +14.2% | +5.2% | +8.1% | +9.0% |
Dividends reinvested. 3Y and longer are annualized; MAX is annualized since 2001.
PRU key statistics
- Market cap
- $39.7B
- #276 in S&P 500
- P/E (TTM)
- 10.4x
- Forward P/E
- 8.2x
- EPS (TTM)
- $11.04
- Revenue (TTM)
- $65.2B
- +14%
- Free cash flow
- $11.0B
- Gross margin
- 29.0%
- Operating margin
- 7.5%
- Return on equity
- 12.0%
- Dividend yield
- 4.87%
- 52-week range
- $91.89 – $127.72
- Beta
- 0.84
- Price / sales
- 0.6x
- EV / EBITDA
- 11.6x
- Debt / equity
- 1.64x
- Employees
- 36,607
PRU report card
B-Ten fundamentals graded A to F against fixed thresholds. Not a buy or sell rating.
- Revenue growth14.1%B
- Gross margin29.0%C
- Operating margin7.5%D
- FCF margin16.8%B
- Return on equity12.0%C
- Net debt / EBITDA3.4xD
- Forward P/E8.2xA
- PEG ratio0.7xA
- Shareholder yield7.4%A
- Share count change / yr-2.2%A
Prudential Financial financials
Revenue went from $58.8B in fiscal 2016 to $60.8B in fiscal 2025, growing 0.4% a year.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $58.8B | $59.7B | $63.0B | $64.8B | $57.0B | $71.2B | $56.9B | $54.0B | $70.4B | $60.8B |
| Net income | $4.4B | $7.9B | $4.1B | $4.2B | -$374.0M | $8.9B | -$1.6B | $2.5B | $2.7B | $3.6B |
| EPS (diluted) | $9.71 | $17.86 | $9.50 | $10.11 | $-1.00 | $22.40 | $-4.49 | $6.74 | $7.50 | $9.99 |
| Buybacks | $2.0B | $1.3B | $1.5B | $2.5B | $500.0M | $2.5B | $1.5B | $1.0B | $1.0B | $1.0B |
| Dividends paid | $1.3B | $1.3B | $1.5B | $1.6B | $1.8B | $1.8B | $1.8B | $1.8B | $1.9B | $1.9B |
| Diluted shares | 446.6M | 436.0M | 426.2M | 410.9M | 395.8M | 390.1M | 372.3M | 364.6M | 359.3M | 353.7M |
Source: SEC filings (10-K XBRL). EPS and share counts are split-adjusted.
What's priced into PRU?
A reverse DCF asks what growth the current price requires. With an enterprise value of $57.2B and $11.0B of trailing free cash flow, Prudential Financial needs to grow free cash flow about -21.2% a year for ten years (fading to 3.0% terminal growth) to earn a 10% annual return.
P/E ratio history
Current 11.5x vs. median 8.4x (10th–90th percentile 5.2x–17.7x).
A model, not a forecast or advice. Small changes in assumptions move the answer a lot.
PRU dividend
- Dividend yield
- 4.87%
- Annual dividend
- $5.60
- Years of increases
- 12
- 5-yr dividend growth
- 4.2%
- per year
- Payout ratio
- 50%
- Payments per year
- 4
Regular dividends per share by calendar year; special dividends excluded. Current year omitted until complete.
PRU analyst price targets
15 analysts' average 12-month target is $110.20 (-4% vs. $114.99). Targets range from $92.00 to $132.00. 0% rate it a buy.
PRU earnings
Next report: November 3, 2026. Prudential Financial has beaten EPS estimates 2 quarters in a row. Last quarter's revenue was $15.7B (+14% year over year).
| Report date | EPS estimate | EPS actual | Surprise |
|---|---|---|---|
| Aug 4, 2026 | $3.52 | $4.08 | +16.0% |
| May 5, 2026 | $3.10 | $3.61 | +16.5% |
| Feb 3, 2026 | $3.36 | $3.30 | -1.9% |
| Oct 29, 2025 | $3.73 | $4.01 | +7.7% |
| Jul 30, 2025 | $3.22 | $3.58 | +11.1% |
| Apr 30, 2025 | $3.18 | $3.29 | +3.4% |
| Feb 4, 2025 | $3.26 | $2.96 | -9.2% |
| Oct 30, 2024 | $3.48 | $3.48 | — |
Stocks like PRU
| Name | Today | 1Y | Mkt cap | P/E | |
|---|---|---|---|---|---|
 MET MetLife | -4.59% | +30% | $62.8B | 18.9x | Compare |
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 PFG Principal Financial | -1.40% | +41% | $23.2B | 15.5x | Compare |
 GL Globe Life | -8.09% | +15% | $11.9B | 10.4x | Compare |
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 V Visa | -1.55% | +19% | $765.8B | 34.7x | Compare |
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PRU news
- Here's What to Expect From Prudential Financial's Next Earnings Report · Oct 23, 2026
- Prudential Financial announces sale of Prudential of Brazil and Prudential of Mexico to CNP Assurances · Oct 20, 2026
- 3 Insurance Stocks That Fall Short · Oct 19, 2026
- PGIM to merge PGIM Jennison Focused Value Fund into PGIM Jennison Focused Value ETF · Oct 14, 2026
- PRU Outperforms Industry, Trades at a Discount: Time to Exit or Hold? · Oct 12, 2026
PRU stock FAQ
What is PRU's market cap?
Prudential Financial's market capitalization is $39.67 billion as of October 23, 2026, ranking 276th in the S&P 500.
What is PRU's P/E ratio?
PRU trades at a trailing price-to-earnings ratio of 10.4x and a forward P/E of 8.2x. Its median P/E over the period we track is 8.4x.
Does PRU pay a dividend?
Yes. Prudential Financial pays $5.60 per share a year, a 4.87% yield. It has raised its dividend 12 years in a row. Dividends grew 4.2% a year over the last five years.
How much has PRU stock returned?
Including reinvested dividends, PRU returned +19.0% over one year, +5.2% a year over five years, +8.1% a year over ten years through October 23, 2026.
Is PRU stock overvalued?
At today's price, a reverse discounted cash flow model (10% discount rate, 3% terminal growth) implies Prudential Financial must grow free cash flow about -21% a year for the next decade. Whether that is achievable decides if the stock is cheap or expensive. This is a model, not advice.
What is the PRU price target?
15 analysts cover PRU with an average 12-month price target of $110.20, -4% from the current price. 0% of them rate it a buy.
When does PRU report earnings?
Prudential Financial is expected to report earnings on November 3, 2026. It has beaten EPS estimates 2 quarters in a row.
How many employees does Prudential Financial have?
Prudential Financial has about 36,607 full-time employees, or $1.8 million of revenue per employee.
Sources: SEC EDGAR filings, Yahoo Finance market data (delayed), FI Handbook calculations. Last close October 23, 2026. Methodology