Prudential Financial

PRU

Insurance - Life · Financial Services

Also trades as: 0KRX.L

Price

$121.15

+0.56 (+0.46%)

Market Cap

$42.04B

Winston Score

Winston is serious

Below-average fundamentals — multiple weak pillars.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Data not available

Growth

Mixed

Cash Flow

Exceptional

Stability

Weak

Valuation

Strong

Dividends

Strong

Track this stock — start free trial

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 is one of the largest life insurance and financial services companies in the United States. It sells life insurance, annuities, and retirement savings products to individuals and workplace groups. It also manages investments for large institutions through its PGIM asset management division, which oversees over $1 trillion in assets.

Prudential makes money by collecting insurance premiums, earning fees on assets it manages, and selling annuity contracts that pay customers income in retirement. The company operates in the U.S., Japan, and several other international markets, giving it broad geographic reach. Its large scale and long-standing customer relationships create some switching costs, but rising interest rates, market volatility, and the complexity of its insurance liabilities are ongoing risks that can pressure profitability. The company has been actively selling off older, capital-heavy insurance blocks to focus on less risky, fee-based businesses, which is its main strategic shift to watch.

Politician Trades

18 trades / 12mo

6 Congressional buys and 12 sells on PRU in the last 12 months.

Unlock the full Smart Money Map — every trade plotted on the price chart with politicians, amounts and returns since each trade. Founder's Deal is $57/mo locked for life.

Unlock politician trades

Growth Profile

For growth stock investors

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

Revenue Growth

-100.0% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+90.6% YoY

YoY Growth Rate

Strong earnings growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.2%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$0 cash & investments

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

Revenue declining

Prudential Financial's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

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

N/A

Data not available

Profit after running costs

Operating Margin

N/A

Data not available

Return on the money invested

ROCE

N/A

Data not available

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Growth

Sales growth

Sales YoY

-17.4%

Shrinking sales (-17.4% YoY)

Profit growth

EPS YoY

+146.8%

Earnings growing fast (+146.8% YoY)

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

How steady the profit is

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Cash Flow

Profit that turns into cash

Cash Conversion

250%

Turns 250% of profit into real cash

Spare cash per sale

FCF Margin

19.9%

Converts sales into free cash efficiently (19.9%)

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

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Stability

What it owes vs what it owns

Debt / Equity

N/A

Data not available

Covers its interest

Interest Cover

3.48x

Tight — interest eats into profit (3.5x)

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

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Valuation

Price vs profit

P/E Ratio (TTM)

10.8x

Attractive valuation — P/E 10.8

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

+2.5

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Dividends

Dividend

Dividend Yield

4.48%

Healthy income — 4.48% yield

Generous yield. Worth checking whether the payout is sustainable.

Dividend record

Dividend Growth

+3.8%

Dividend growing modestly (3.8% YoY)

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

🔒 See full fundamentals and if they are improving or declining — click here for your free trial now.

Start free trial