Prudential Financial (PRU) stock: Winston Score and insider trades

§Winston Score History

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

+13.5% YoY

YoY Growth Rate

Steady revenue growth

Reported EPS Growth

+88.6% YoY

Quarterly reporting periods ended:

30 Jun 2025: $1.49

30 Jun 2026: $2.81

Reported/statutory EPS, not adjusted or underlying earnings. One-off items can affect this figure. Provider rounding can affect the growth rate.

YoY Growth Rate

Reported EPS increased year over year

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

$457.2B cash & investments

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

Growth + cash flow

Prudential Financial 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.

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

+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

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

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.

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

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.

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)

10.3x

Attractive valuation — P/E 10.3

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

+2.2

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

4.95%

Healthy income — 4.95% yield

Generous yield. Worth checking whether the payout is sustainable.

Dividend record

Dividend Growth

+3.7%

Dividend growing modestly (3.7% YoY)

Payout Ratio

51%

no trend

Pays out a modest share of profit and keeps the rest to reinvest. Room to keep paying through a weak year.

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

Prudential Financial

§How the score breaks down

Share count falling — buybacks

§Winston Score History

Politician Trades

Growth Profile

Every number that matters to educated investors.

Quality

Growth

Cash Flow

Stability

Valuation

Dividends