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Stock

Prudential

PUK
57
Insurance - Life · Financial Services
Price
$24.13
+0.07 (+0.29%)
Market Cap
$29.64B
Exchange
New York Stock Exchange
Winston Score
57
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Oct 18, 2026 · filings through Jun 30, 2026

§How the score breaks down

Quality
Strong
21/30
Growth
Good
13/20
Cash Flow
Mixed
3/10
Stability
Exceptional
10/10
Valuation
Good
6/10
Ownership
Weak
1/15
Dividends
Good
3/5

57 of 100 counted points = Winston Score 57.

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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

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

Revenue Growth

+19.4% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

-24.0% YoY

YoY Growth Rate

Earnings declining

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 Runway

5+ years

Quarterly Free Cash Flow

↑ Burn rate improving

$210.2B cash & investments at current burn rate

Growth context

Prudential is growing revenue at 19% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

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
70.6%
Premium pricing power — 70.6% gross margin
Profit after running costs
Operating Margin
7.9%
Modest — 7.9% operating margin
Return on the money invested
ROCE
17.1%
Strong — 17.1% 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
+83.7%
Fast-growing sales (+83.7% YoY)
Profit growth
EPS YoY
+10.0%
Earnings growing (+10.0% YoY)

Healthy double-digit earnings growth — what compounders look like.

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
41%
Weak — only 41% of profit becomes cash
Spare cash per sale
FCF Margin
4.7%
Thin free cash flow (4.7%)

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
22.99x
Comfortably covers interest (23.0x)

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

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Valuation

Price vs profit
P/E Ratio (TTM)
8.4x
Attractive valuation — P/E 8.4

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

Cheaper or dearer next year
P/E vs Forward
-0.0
SLOWING
Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend
Dividend Yield
1.36%
Small dividend — 1.36% yield

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

Dividend record
Dividend Growth
+28.3%
Dividend growing fast (28.3% YoY)
Payout Ratio
15%
no trend
Pays out a modest share of profit and keeps the rest to reinvest. Room to keep paying through a weak year.

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