PRU

Company Overview — What Does PRUDENTIAL FINANCIAL INC Do?

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. PRUDENTIAL FINANCIAL INC (PRU) is classified as a large-cap stock in the Financials sector, specifically within the Insurance industry. The company is led by CEO Charlie F. Lowrey and employs approximately 39,900 people, headquartered in Newark, New Jersey. With a market capitalization of $34.1B, PRU is one of the prominent companies in the Financials sector.

PRUDENTIAL FINANCIAL INC (PRU) Stock Rating — Reduce (April 2026)

As of April 2026, PRUDENTIAL FINANCIAL INC receives a Reduce rating with a composite score of 45.4/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.PRU ranks #1,986 out of 4,446 stocks in our coverage universe. Within the Financials sector, PRUDENTIAL FINANCIAL INC ranks #567 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

PRU Stock Price and 52-Week Range

PRUDENTIAL FINANCIAL INC (PRU) currently trades at $96.90. The stock lost $0.20 (0.2%) in the most recent trading session. The 52-week high for PRU is $119.76, which means the stock is currently trading -19.1% from its annual peak. The 52-week low is $90.38, putting the stock 7.2% above its annual trough. Recent trading volume was 1.7M shares, reflecting moderate market activity.

Is PRU Overvalued or Undervalued? — Valuation Analysis

PRUDENTIAL FINANCIAL INC (PRU) carries a value factor score of 69/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 10.45x, compared to the Financials sector average of 14.88x — a discount of 30%. The price-to-book ratio stands at 1.06x, versus the sector average of 1.22x. The price-to-sales ratio is 0.52x, compared to 0.90x for the average Financials stock. On an enterprise value basis, PRU trades at 11.26x EV/EBITDA, versus 3.26x for the sector.

Overall, PRU's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

PRUDENTIAL FINANCIAL INC Profitability — ROE, Margins, and Quality Score

PRUDENTIAL FINANCIAL INC (PRU) earns a quality factor score of 43/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 10.1%, compared to the Financials sector average of 8.5%, which is within a healthy range. Return on assets (ROA) comes in at 0.4% versus the sector average of 1.2%.

On a margin basis, PRUDENTIAL FINANCIAL INC reports gross margins of 0.0%. The operating margin is 100.0% (sector: 21.8%). Net profit margin stands at 5.1%, versus 17.7% for the average Financials stock. Revenue growth is running at 20.2% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

PRU Debt, Balance Sheet, and Financial Health

PRUDENTIAL FINANCIAL INC has a debt-to-equity ratio of 94.0%, compared to the Financials sector average of 121.0%. Leverage is within a manageable range for the industry, though investors should monitor debt trends over time. Total debt on the balance sheet is $30.12B. Cash and equivalents stand at $17.47B.

PRU has a beta of 1.04, meaning it is roughly in line with the broader market in terms of price volatility. The stability factor score for PRUDENTIAL FINANCIAL INC is 77/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

PRUDENTIAL FINANCIAL INC Revenue and Earnings History — Quarterly Trend

In TTM 2026, PRUDENTIAL FINANCIAL INC reported revenue of $64.57B. Net income for the quarter was $3.24B. Gross margin was 0.0%. Operating income came in at $64.57B.

In Q3 2025, PRUDENTIAL FINANCIAL INC reported revenue of $17.89B. Net income for the quarter was $1.48B. Gross margin was 0.0%. Revenue grew -8.2% year-over-year compared to Q3 2024. Operating income came in at $17.89B.

In Q2 2025, PRUDENTIAL FINANCIAL INC reported revenue of $13.73B. Net income for the quarter was $566M. Gross margin was 0.0%. Revenue grew -7.8% year-over-year compared to Q2 2024. Operating income came in at $13.73B.

In Q1 2025, PRUDENTIAL FINANCIAL INC reported revenue of $13.47B. Net income for the quarter was $742M. Gross margin was 0.0%. Revenue grew -42.7% year-over-year compared to Q1 2024. Operating income came in at $13.47B.

Over the past 8 quarters, PRUDENTIAL FINANCIAL INC has demonstrated a growth trajectory, with revenue expanding from $23.51B to $64.57B. Investors analyzing PRU stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

PRU Dividend Yield and Income Analysis

PRUDENTIAL FINANCIAL INC (PRU) currently pays a dividend yield of 5.2%. At this yield, a $10,000 investment in PRU stock would generate approximately $$516.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning PRU offers above-average income for its sector. The net margin of 5.1% provides reasonable coverage for the dividend, though investors should monitor payout sustainability.

PRU Momentum and Technical Analysis Profile

PRUDENTIAL FINANCIAL INC (PRU) has a momentum factor score of 34/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 47/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 15/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

PRU vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, PRUDENTIAL FINANCIAL INC (PRU) ranks #567 out of 891 stocks based on the Blank Capital composite score. This places PRU in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing PRU against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full PRU vs S&P 500 (SPY) comparison to assess how PRUDENTIAL FINANCIAL INC stacks up against the broader market across all factor dimensions.

PRU Next Earnings Date

No upcoming earnings date has been announced for PRUDENTIAL FINANCIAL INC (PRU) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy PRU? — Investment Thesis Summary

The quantitative profile for PRUDENTIAL FINANCIAL INC suggests caution. The value score of 69/100 suggests attractive pricing relative to fundamentals. Momentum is weak at 34/100, a headwind for near-term performance. Low volatility (stability score 77/100) reduces downside risk.

In summary, PRUDENTIAL FINANCIAL INC (PRU) earns a Reduce rating with a composite score of 45.4/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on PRU stock.

Related Resources for PRU Investors

Explore more research and tools: PRU vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare PRU head-to-head with peers: PRU vs WTM, PRU vs OPY, PRU vs ACT.