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Prudential

PRU.L
68
Insurance - Life · Financial Services
Exchange
London Stock Exchange
Winston Score
68
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Aug 23, 2026 · filings through Dec 31, 2025
How the score breaks down
Quality
Strong
Growth
Exceptional
Cash Flow
Good
Stability
Exceptional
Valuation
Good
Dividends
Strong
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Winston Score History

The full picture

Prudential plc is a life insurance and financial services company focused entirely on Asia and Africa. It sells life insurance policies, health insurance, and savings products to millions of individual customers across markets like Hong Kong, Singapore, Indonesia, and several African countries. Prudential is one of the largest life insurers operating across emerging markets in Asia.

The company makes money by collecting insurance premiums and managing long-term savings and investment products for its customers. It operates in over 20 markets, with Asia generating the vast majority of its revenue, and it separated from its US and UK businesses to focus purely on high-growth emerging economies. The key growth driver is the large and expanding middle class across Asia, where demand for life insurance and health coverage remains well below levels seen in developed markets — though currency risk and regulatory changes across many different countries remain ongoing challenges.

Growth Profile

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

Revenue Growth

+118.6% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+29.6% YoY

YoY Growth Rate

Strong earnings growth

Insider Activity

0.0%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

£199.6B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

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

Revenue accelerating

Prudential grew revenue 119% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

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.

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Quality

Profit per sale
Gross Margin
100.0%
Premium pricing power — 100.0% gross margin
Profit after running costs
Operating Margin
22.5%
Excellent — 22.5% operating margin
Return on the money invested
ROCE
18.1%
Strong — 18.1% return on capital

ROIC between 15% and 25%. Every dollar invested in the business earns 15 to 25 cents back per year.

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Growth

Sales growth
Sales YoY
+91.5%
Fast-growing sales (+91.5% YoY)
Profit growth
EPS YoY
+85.9%
Earnings growing fast (+85.9% YoY)

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

How steady the profit is
EPS Consistency
6/8 quarters
Earnings grew in most of the last 8 quarters

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Cash Flow

Profit that turns into cash
Cash Conversion
63%
Modest — 63% of profit becomes cash
Spare cash per sale
FCF Margin
8.9%
Modest free cash flow (8.9%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

What it owes vs what it owns
Debt / Equity
0.30
Conservative — low debt load (0.30)
Covers its interest
Interest Cover
29.02x
Comfortably covers interest (29.0x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

Price vs profit
P/E Ratio (TTM)
8.9x
no trend
Attractive valuation — P/E 8.9

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year
P/E vs Forward
-1.9
SLOWING
Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend
Dividend Yield
2.71%
no trend
Moderate income — 2.71% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record
Dividend Growth
+16.3%
no trend
Dividend growing fast (16.3% YoY)

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