Fundamentals · 2026-09-09S&P 500ANNUAL BASIS

Prudential Financial

PRU stock analysis · Financials · Life & Health Insurance

FY 2025-12-31ANNUAL FILINGS
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ⓘ These are research estimates based on annual filings. Valuation uses a cash-flow proxy and explicit assumptions; prices are not live. Published valuations use annual periods first filed by the price date, with later restatements retained.
Reference share price · USD
$107.93HISTORICAL SNAPSHOT

As of · fund-implied per-share value

Fund holding value ÷ shares held. Not a live quote; not adjusted for later stock splits.

View SEC fund filing ↗
Estimated issuer market cap
$37.5B

Price × SEC outstanding shares. Shares measured 2026-04-30. Approximate; share and price dates can differ.

View share-count filing ↗
Valuation

DCF value

— Generic cash-flow and operating-capital models are not suitable for this sector; specialist bank/insurance or REIT analysis is required.

Generic cash-flow and operating-capital models are not suitable for this sector; specialist bank/insurance or REIT analysis is required.

How this is calculated ↗
Valuation

Reverse DCF

— Generic cash-flow and operating-capital models are not suitable for this sector; specialist bank/insurance or REIT analysis is required.

Generic cash-flow and operating-capital models are not suitable for this sector; specialist bank/insurance or REIT analysis is required.

How this is calculated ↗
Valuation

Relative valuation

61.9%

69 sector peers · median 17.1×

How this is calculated ↗
Valuation

Historical multiples

10.6×

5 annual observations · snapshot P/E 10.6× · 0.0% versus history

How this is calculated ↗
Valuation

Free cash flow yield

— Generic cash-flow and operating-capital models are not suitable for this sector; specialist bank/insurance or REIT analysis is required.

Generic cash-flow and operating-capital models are not suitable for this sector; specialist bank/insurance or REIT analysis is required.

How this is calculated ↗
Quality

ROIC / quality

— Generic cash-flow and operating-capital models are not suitable for this sector; specialist bank/insurance or REIT analysis is required.

Generic cash-flow and operating-capital models are not suitable for this sector; specialist bank/insurance or REIT analysis is required.

How this is calculated ↗
Valuation

Value composite

— Requires three valuation yields and at least five covered sector peers.

Requires three valuation yields and at least five covered sector peers.

How this is calculated ↗
Momentum

12–1 price momentum

— Split and corporate-action verification is incomplete for these fund observations. Verified adjusted endpoints are required for 12–1 momentum.

Split and corporate-action verification is incomplete for these fund observations. Verified adjusted endpoints are required for 12–1 momentum.

How this is calculated ↗
Investment

Asset growth

5.2%

Annual basis · read assumptions below

How this is calculated ↗
Investment

Net payout yield

7.5%

Annual basis · read assumptions below

How this is calculated ↗
Quality

Accrual quality

— Generic cash-flow and operating-capital models are not suitable for this sector; specialist bank/insurance or REIT analysis is required.

Generic cash-flow and operating-capital models are not suitable for this sector; specialist bank/insurance or REIT analysis is required.

How this is calculated ↗
Momentum

Fundamental momentum

— Requires two adjacent years of revenue, operating income and cash flow.

Requires two adjacent years of revenue, operating income and cash flow.

How this is calculated ↗

Follow the cash

ANNUAL · USD

Operating cash flow and reinvestment over time

USD · bar maximum 9.8B2020-12-31: cfo $8,368,000,000.0020202021-12-31: cfo $9,812,000,000.0020212022-12-31: cfo $5,158,000,000.0020222023-12-31: cfo $6,510,000,000.0020232024-12-31: cfo $8,502,000,000.0020242025-12-31: cfo $6,271,000,000.002025
Operating cash flowCapital expenditure

Annual USD. Negative bars use a compressed lower scale. Hover or inspect the financial history table for exact values.

Make the assumptions yours

Personal inputs stay in this browser. Blank fields retain published inputs. Five-year forecast; zero net borrowing. Required return must exceed terminal growth.

How sensitive is the valuation?

DCF per-share sensitivity · includes reviewed preferred and minority-owner claims · rows: required return · columns: growth
Return / Growth3.0%5.0%7.0%
8.0%———
10.0%———
12.0%———

Annual financial history

Open SEC filings ↗
Fiscal year-endRevenueNet incomeOperating cash flowCapital expenditureAssets
2025-12-3160.8B3.7B6.3B—773.7B
2024-12-3170.4B2.8B8.5B—735.6B
2023-12-3154B2.5B6.5B—721.2B
2022-12-3156.9B-1.7B5.2B—689B
2021-12-3171.2B8.9B9.8B—937.6B
2020-12-3157B-146M8.4B—940.7B
2019-12-3164.8B4.2B19.6B—896.6B
2018-12-3163B4.1B21.7B—815.1B

USD, abbreviated. Restated annual history; not a point-in-time backtest. Missing values appear as dashes.

Trace the inputs

MODEL ANNUAL PERIOD
InputValueSEC tag / sourceFiled
revenue60.8BRevenues2026-02-12
netIncome3.7BProfitLoss
Explicit consolidated amount, including the portion attributable to noncontrolling interests.
2026-02-12
Parent/common earnings proxy3.5BNetIncomeLossAvailableToCommonStockholdersBasic2026-02-12
cfo6.3BNetCashProvidedByUsedInOperatingActivities2026-02-12
capex—Not reported under a supported tag—
operatingIncome—Not reported under a supported tag—
assets773.7BAssets2026-02-12
equity32.8BStockholdersEquityIncludingPortionAttributableToNoncontrollingInterest
Explicit consolidated amount, including the portion attributable to noncontrolling interests.
2026-02-12
Parent book equity proxy32.4BStockholdersEquity2026-02-12
debt—Not reported under a supported tag—
shortDebt—Not reported under a supported tag—
cash19.7BCashAndCashEquivalentsAtCarryingValue2026-02-12
shares353.7MWeightedAverageNumberOfDilutedSharesOutstanding2026-02-12
dividends1.9BPaymentsOfDividendsCommonStock2026-02-12
buybacks1BPaymentsForRepurchaseOfCommonStock2026-02-12
issuance109MReviewed manual correction
Bounded FY2025-12-31 consolidated financing-statement extraction. Common Stock reissued for exercise of stock options: 109000000 USD [us-gaap:ProceedsFromStockOptionsExercised]. All 12 financing lines reconcile exactly to reported financing cash flow 20773000000 USD. Cash inflows from common shares, employee plans and option exercises are summed once as displayed on the statement; noncash compensation, withholding payments, preferred and noncontrolling interests are excluded. This review applies only to this issuer and fiscal period. Source limitation: the statement also aggregates other financing cash flows (net 848000000 USD). Their common-equity portion is not separately disclosed here. Issuance is the sum of separately reported common cash-issuance lines, not an independently verified gross total; additional equity flows may be inside those aggregates.
2026-02-12