Financial Services · Insurance - Life
Price
$115.37
Market Cap
$40.1B
Employees
37,434
Beta
0.84
Avg Volume
2,063,829
CEO
Andrew F. Sullivan
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.
Runs with full report
Price Overview
Last updated: Jul 11, 2026 4:43am (just now)
Current data · timestamped when a report runs
$115.37
Change · Jul 11
+0.37 (+0.32%)
Day Range
$114.77 – $116.20
52-Week Range
$91.89 – $119.76
50-Day MA
$104.57
200-Day MA
$104.45
Volume
1,023,544.00
Analyst Price Targets
Low
$87.00
Consensus
$101.38
High
$111.00
(51 analysts)
Share Structure
Outstanding
347,325,107.00
Float
345,913,890.00
Free Float
99.6%
High free float
— 99.6% of shares trade freely, ~0.4% held by insiders/institutions
Very liquid — most shares trade freely. Low insider ownership can mean less management alignment, but makes large position sizing straightforward.
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
API Direct from provider
CALC Derived from statements
P/E Ratio (Price per dollar of earnings)
APIStock Price / EPS (Diluted)
11.57
Stock Price: $115.37
EPS (Diluted): 10.16
EPS (Diluted): 10.16
P/B Ratio (Price vs net asset value)
APIStock Price / Book Value Per Share
1.22
Stock Price: $115.37
Total Equity: $32.44B
Shares: 349,922,000
Total Equity: $32.44B
Shares: 349,922,000
EV/EBITDA (Total value vs operating profit)
APIEnterprise Value / EBITDA
8.42
Market Cap: $40.07B
Total Debt: $22.96B
Cash: $19.71B
EBITDA: $4.91B
Total Debt: $22.96B
Cash: $19.71B
EBITDA: $4.91B
Enterprise Value (Takeover price (cap + debt - cash))
APIMarket Cap + Total Debt - Cash
$43.0B
Market Cap: $40.07B
Total Debt: $22.96B
Cash: $19.71B
Total Debt: $22.96B
Cash: $19.71B
Gross Margin (Revenue left after direct costs)
APIGross Profit / Revenue
42.0%
Gross Profit: $25.55B
Revenue: $60.77B
Revenue: $60.77B
Operating Margin (Revenue left after all operations)
APIOperating Income / Revenue
7.9%
Operating Income: $4.79B
Revenue: $60.77B
Revenue: $60.77B
Net Margin (Revenue left as actual profit)
APINet Income / Revenue
5.9%
Net Income: $3.58B
Revenue: $60.77B
Revenue: $60.77B
ROE (Profit from shareholder equity)
APINet Income / Total Equity
10.9%
Net Income: $3.58B
Total Equity: $32.44B
Total Equity: $32.44B
ROIC (Profit from all invested capital)
APINOPAT / Invested Capital
0.5%
Operating Income: $4.79B
Tax Rate: 22.0%
Equity: $32.44B
Total Debt: $22.96B
Cash: $19.71B
Tax Rate: 22.0%
Equity: $32.44B
Total Debt: $22.96B
Cash: $19.71B
Current Ratio (Can it pay short-term bills)
APICurrent Assets / Current Liabilities
0.61
Current Assets: $139.52B
Current Liabilities: $228.92B
Current Liabilities: $228.92B
Debt/Equity (Leverage — debt vs equity)
CALCTotal Debt / Total Equity
0.71
Short-Term Debt: $1.70B
Long-Term Debt: $21.26B
Total Debt: $22.96B
Total Equity: $32.44B
Long-Term Debt: $21.26B
Total Debt: $22.96B
Total Equity: $32.44B
Rev/Share (Top-line per share)
CALCRevenue / Shares Outstanding
$173.68
Revenue: $60.77B
Shares: 349,922,000
Shares: 349,922,000
Book Value/Share (Net assets per share)
CALC(Total Assets - Total Liabilities) / Shares
$92.70
Total Equity: $32.44B
Shares: 349,922,000
Shares: 349,922,000
FCF/Share (Real cash generated per share)
CALC(Operating Cash Flow + CapEx) / Shares
$17.92
Operating CF: $6.27B
CapEx: $0.00
Shares: 349,922,000
CapEx: $0.00
Shares: 349,922,000
Div Yield (Annual income from holding)
APILast Annual Dividend / Stock Price
4.9%
Last Dividend: N/A
Stock Price: $115.37
Stock Price: $115.37
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: $3.58B
Net Income: $3.58B
Dividends paid not available in cash flow statement
Industry Benchmarks
Compares PRU against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Income Statement (Annual)
Last updated: Jul 11, 2026 4:43am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $71.1B | $57.0B | $54.3B | $70.7B | $60.8B |
| Cost of Revenue | $42.9B | $45.1B | $36.7B | $53.2B | $35.2B |
| Gross Profit | $28.3B | $11.9B | $17.6B | $17.5B | $25.6B |
| Operating Expenses | $17.4B | $13.8B | $14.5B | $14.3B | $20.8B |
| Operating Income | $10.8B | -$1.9B | $3.1B | $3.2B | $4.8B |
| Net Income | $8.9B | -$1.6B | $2.5B | $2.7B | $3.6B |
| EBITDA | $11.0B | -$1.8B | $3.0B | $3.6B | $4.9B |
| EPS | $22.56 | $-4.49 | $6.76 | $7.54 | $10.16 |
| EPS (Diluted) | — | — | — | — | — |
Balance Sheet (Annual)
Last updated: Jul 11, 2026 4:43am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $12.9B | $17.3B | $19.4B | $18.5B | $19.7B |
| Total Current Assets | $435.2B | $369.4B | $413.4B | $426.4B | $139.5B |
| Total Assets | $937.6B | $689.9B | $721.1B | $735.6B | $773.7B |
| Current Liabilities | $279.5B | $211.8B | $229.2B | $228.5B | $228.9B |
| Long-Term Debt | $18.9B | $20.3B | $20.3B | $20.6B | $21.3B |
| Total Liabilities | $875.0B | $672.7B | $691.3B | $705.5B | $738.2B |
| Total Equity | $61.9B | $16.3B | $27.8B | $27.9B | $32.4B |
| Retained Earnings | $36.7B | $33.4B | $32.4B | $33.2B | $34.8B |
Cash Flow (Annual)
Last updated: Jul 11, 2026 4:43am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | $9.8B | $5.2B | $6.5B | $8.5B | $6.3B |
| Capital Expenditure | $736.0M | $0 | $0 | $0 | $0 |
| Free Cash Flow | $10.5B | $5.2B | $6.5B | $8.5B | $6.3B |
| Acquisitions (net) | $132.0M | $422.0M | $0 | $0 | $0 |
| Debt Repayment | — | — | — | — | — |
| Dividends Paid | — | — | — | — | — |
| Stock Buybacks | -$2.5B | -$1.5B | -$1.0B | -$1.0B | -$1.0B |
| Net Change in Cash | -$921.0M | $4.4B | $2.2B | -$943.0M | $1.2B |
Analyst Estimates (Annual)
Last updated: Jul 11, 2026 4:43am (just now)| Metric | 2026 | 2027 | 2028 | 2029 |
|---|---|---|---|---|
| Revenue |
$59.1B $57.9B – $60.4B
|
$60.0B $58.0B – $61.5B
|
$61.7B $61.3B – $62.0B
|
$64.9B $62.8B – $66.6B
|
| EBITDA |
$3.7B $3.6B – $3.8B
|
$3.7B $3.6B – $3.8B
|
$3.8B $3.8B – $3.9B
|
$4.0B $3.9B – $4.1B
|
| Net Income |
$4.8B $4.7B – $5.0B
|
$5.2B $4.9B – $5.4B
|
$5.6B $5.3B – $5.8B
|
$6.4B $6.2B – $6.6B
|
| EPS | — | — | — | — |
Growth Trends (YoY %)
Last updated: Jul 11, 2026 4:43am (just now)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | -19.9% | -4.8% | +30.2% | -14.0% |
| Gross Profit Growth | -58.0% | +47.6% | -0.2% | +45.8% |
| Operating Income Growth | -117.5% | +262.4% | +4.5% | +49.1% |
| Net Income Growth | -118.6% | +251.1% | +9.6% | +31.1% |
| EBITDA Growth | -116.1% | +269.1% | +19.7% | +36.8% |
Dividend History (Last 20)
Last updated: Jul 11, 2026 4:43am (just now)| Date | Dividend | Declaration | Record | Payment |
|---|---|---|---|---|
| 2026-05-26 | $1.40 | 2026-05-12 | 2026-05-26 | 2026-06-11 |
| 2026-02-17 | $1.40 | 2026-02-03 | 2026-02-17 | 2026-03-12 |
| 2025-11-18 | $1.35 | 2025-11-04 | 2025-11-18 | 2025-12-11 |
| 2025-08-19 | $1.35 | 2025-08-05 | 2025-08-19 | 2025-09-11 |
| 2025-05-20 | $1.35 | 2025-05-06 | 2025-05-20 | 2025-06-12 |
| 2025-02-18 | $1.35 | 2025-02-04 | 2025-02-18 | 2025-03-13 |
| 2024-11-19 | $1.30 | 2024-11-05 | 2024-11-19 | 2024-12-12 |
| 2024-08-20 | $1.30 | 2024-08-06 | 2024-08-20 | 2024-09-12 |
| 2024-05-20 | $1.30 | 2024-05-07 | 2024-05-21 | 2024-06-13 |
| 2024-02-16 | $1.30 | 2024-02-06 | 2024-02-20 | 2024-03-14 |
| 2023-11-20 | $1.25 | 2023-11-07 | 2023-11-21 | 2023-12-14 |
| 2023-08-21 | $1.25 | 2023-08-08 | 2023-08-22 | 2023-09-14 |
| 2023-05-22 | $1.25 | 2023-05-09 | 2023-05-23 | 2023-06-15 |
| 2023-02-17 | $1.25 | 2023-02-07 | 2023-02-21 | 2023-03-16 |
| 2022-11-21 | $1.20 | 2022-11-08 | 2022-11-22 | 2022-12-15 |
| 2022-08-22 | $1.20 | 2022-08-09 | 2022-08-23 | 2022-09-15 |
| 2022-05-23 | $1.20 | 2022-05-10 | 2022-05-24 | 2022-06-16 |
| 2022-02-14 | $1.20 | 2022-02-03 | 2022-02-15 | 2022-03-11 |
| 2021-11-22 | $1.15 | 2021-11-09 | 2021-11-23 | 2021-12-16 |
| 2021-08-23 | $1.15 | 2021-08-10 | 2021-08-24 | 2021-09-16 |
Insider Trading (Recent)
Type codes
PPurchase
SSale
AAward / grant
MOption exercise
FIn-kind (tax)
CConversion
GGift
DReturn to issuer
All SEC Form 4 codes
Open market
- P Purchase
- Open-market or private purchase of shares.
- S Sale
- Open-market or private sale of shares.
Compensation (Rule 16b-3)
- A Award / grant
- Grant or award of securities (RSUs, options, etc.) under Rule 16b-3.
- D Return to issuer
- Securities disposed back to the company under Rule 16b-3.
- F In-kind (tax)
- Shares withheld or delivered to pay the option-exercise price or tax — not an open-market sale.
- I Discretionary
- Discretionary transaction under an employee plan — Rule 16b-3(f).
- M Option exercise
- Exercise or conversion of a derivative (option/RSU) into shares — exempt.
Derivatives
- C Conversion
- Conversion of a derivative security into the underlying shares.
- E Short expiration
- Expiration of a short derivative position.
- H Long expiration
- Expiration or cancellation of a long derivative position with value received.
- O OTM exercise
- Exercise of an out-of-the-money derivative.
- X ITM exercise
- Exercise of an in-the-money or at-the-money derivative.
Other exempt
- G Gift
- Bona fide gift of securities.
- L Small acquisition
- Small acquisition under Rule 16a-6.
- W Inheritance
- Acquisition or disposition by will or the laws of descent.
- Z Voting trust
- Deposit into or withdrawal from a voting trust.
Other
- J Other
- Other acquisition or disposition (explained in a Form 4 footnote).
- K Equity swap
- Transaction in an equity swap or similar instrument.
- U Tender / buyout
- Disposition via tender of shares in a change-of-control transaction.
Compensation-plan codes (A, D, F, M) are routine and rarely directional. Open-market P (buy) and S (sale) carry the most signal.
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-06-11 | SULLIVAN ANDREW F | A-Award | 158.00 | $0.00 | $0 |
| 2026-06-11 | Wolk Joseph J | A-Award | 23.00 | $0.00 | $0 |
| 2026-06-11 | Wolk Joseph J | A-Award | 23.00 | $0.00 | $0 |
| 2026-06-11 | TODMAN MICHAEL | A-Award | 170.00 | $0.00 | $0 |
| 2026-06-11 | TODMAN MICHAEL | A-Award | 165.00 | $0.00 | $0 |
| 2026-06-11 | TODMAN MICHAEL | A-Award | 23.00 | $0.00 | $0 |
| 2026-06-11 | Stoddard Thomas D | A-Award | 23.00 | $0.00 | $0 |
| 2026-06-11 | Stoddard Thomas D | A-Award | 22.00 | $0.00 | $0 |
| 2026-06-11 | POON CHRISTINE A | A-Award | 177.00 | $0.00 | $0 |
| 2026-06-11 | POON CHRISTINE A | A-Award | 54.00 | $0.00 | $0 |
| 2026-06-11 | POON CHRISTINE A | A-Award | 23.00 | $0.00 | $0 |
| 2026-06-11 | Pianalto Sandra | A-Award | 236.00 | $0.00 | $0 |
| 2026-06-11 | Pianalto Sandra | A-Award | 92.00 | $0.00 | $0 |
| 2026-06-11 | Pianalto Sandra | A-Award | 23.00 | $0.00 | $0 |
| 2026-06-11 | Mannen Maryann T. | A-Award | 23.00 | $0.00 | $0 |
| 2026-06-11 | Jones Wendy Elizabeth | A-Award | 126.00 | $0.00 | $0 |
| 2026-06-11 | Jones Wendy Elizabeth | A-Award | 23.00 | $0.00 | $0 |
| 2026-06-11 | Jones Wendy Elizabeth | A-Award | 23.00 | $0.00 | $0 |
| 2026-06-11 | HUNDMEJEAN MARTINA | A-Award | 369.00 | $0.00 | $0 |
| 2026-06-11 | HUNDMEJEAN MARTINA | A-Award | 197.00 | $0.00 | $0 |
Narrative Economics
The story the market is telling about this stock — the intangible X-factor
(founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond
what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for PRU — it's generated by the pipeline (
market-narrative step).
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My Notes
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Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.398 · dd6a9935 · 2026-07-10 09:48:14