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Prudential Financial, Inc. 4.125% Junior Subordinated Notes due 2060

PFH
56
Insurance - Diversified · Financial Services
Price
$15.16
+0.01 (+0.10%)
Market Cap
$39.59B
Exchange
New York Stock Exchange
Winston Score
56
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Sep 14, 2026 · filings through Jun 30, 2026

§How the score breaks down

Quality
Mixed
Growth
Good
Cash Flow
Exceptional
Stability
Good
Valuation
Strong
Dividends
Good
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Share count falling — buybacks

−10.3% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 390.1M (2021) → 349.9M (2025)

§Winston Score History

The full picture

Prudential Financial, Inc. offers a broad spectrum of financial services and products, encompassing insurance and investment management. The company's operations are organized into four main segments: PGIM (Prudential Investment Management, Inc.) delivers specialized investment management expertise and solutions across diverse asset classes. These include public fixed income and equities, real estate debt and equity, private credit, alternative investments, and multi-asset strategies. The U.S. Businesses segment focuses on providing retirement planning solutions, group insurance, and individual life insurance offerings. Its International Businesses segment is dedicated to expanding existing operations and evaluating potential acquisition opportunities abroad. The Corporate and Other Operations segment manages central corporate functions and strategic initiatives not specifically allocated to other business units. Established in 1875 by John Fairfield Dryden, the company maintains its headquarters in Newark, New Jersey.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+13.5% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+88.6% YoY

YoY Growth Rate

Strong earnings growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Cash Position

Cash flow positive

$457.2B cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

Prudential Financial, Inc. 4.125% Junior Subordinated Notes due 2060 is a rare growth stock that's already generating positive cash flow while growing at 13%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Profit per sale
Gross Margin
32.0%
Modest — 32.0% gross margin
Profit after running costs
Operating Margin
8.0%
Modest — 8.0% operating margin
Return on the money invested
ROCE
9.5%
Below par — 9.5% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth
Sales YoY
+8.9%
Steady sales growth (+8.9% YoY)
Profit growth
EPS YoY
+146.1%
Earnings growing fast (+146.1% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is
EPS Consistency
4/8 quarters
Earnings inconsistent quarter-to-quarter

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Cash Flow

Profit that turns into cash
Cash Conversion
286%
Turns 286% of profit into real cash
Spare cash per sale
FCF Margin
16.9%
Converts sales into free cash efficiently (16.9%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

What it owes vs what it owns
Debt / Equity
0.65
Moderate — manageable debt (0.65)
Covers its interest
Interest Cover
3.86x
Tight — interest eats into profit (3.9x)

Interest coverage between 3 and 8. Profits cover interest several times over.

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Valuation

Price vs profit
P/E Ratio (TTM)
10.7x
Attractive valuation — P/E 10.7

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
+2.1
GROWING
Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend
Dividend Yield
6.80%
Healthy income — 6.80% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend record
Dividend Growth
+0.0%
Dividend flat

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