Prudential

PUK

Insurance - Life · Financial Services

Price

$28.16

+0.59 (+2.14%)

Market Cap

$35.04B

Exchange

New York Stock Exchange

Winston Score

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

Strong

Cash Flow

Mixed

Stability

Exceptional

Valuation

Strong

Dividends

Good

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Share count rising — dilution

+96.3% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 657.0M (2021) → 1.29B (2025)

Winston Score History

The full picture

Prudential plc is a large life insurance and financial services company focused almost entirely on Asia and Africa. It sells life insurance policies, health insurance, and savings and investment products to millions of individual customers across markets like Hong Kong, Singapore, Indonesia, and several African countries. The company split from its UK and US operations years ago and now operates as a pure-play emerging markets insurer.

Prudential makes money by collecting insurance premiums and earning investment returns on the money it holds before paying out claims. It also earns fees from managing savings and investment products. The company's main advantage is its early and deep presence in fast-growing Asian markets where large populations are still underinsured and middle classes are expanding. The key growth driver is rising demand for health and life insurance across Asia as incomes grow, but the main risks include regulatory changes in key markets like China and Hong Kong, and currency fluctuations that can affect reported earnings.

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

+288.8% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+31.3% 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

0.0%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$199.2B 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 289% 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.

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

100.0%

Premium pricing power — 100.0% gross margin

Profit after running costs

Operating Margin

21.1%

Excellent — 21.1% operating margin

Return on the money invested

ROCE

19.1%

Strong — 19.1% 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

+139.9%

Fast-growing sales (+139.9% YoY)

Profit growth

EPS YoY

+85.7%

Earnings growing fast (+85.7% YoY)

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

How steady the profit is

EPS Consistency

5/8 quarters

Mixed — about half the quarters showed growth

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Cash Flow

Profit that turns into cash

Cash Conversion

57%

Weak — only 57% of profit becomes cash

Spare cash per sale

FCF Margin

7.8%

Modest free cash flow (7.8%)

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

0.29

Conservative — low debt load (0.29)

Covers its interest

Interest Cover

26.95x

Comfortably covers interest (27.0x)

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

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Valuation

Price vs profit

P/E Ratio (TTM)

9.1x

Attractive valuation — P/E 9.1

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

Cheaper or dearer next year

P/E vs Forward

+1.1

GROWING

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

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Dividends

Dividend

Dividend Yield

0.02%

Small dividend — 0.02% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record

Dividend Growth

+26.7%

Dividend growing fast (26.7% YoY)

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