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Earnings transcript
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PRU
Prudential Financial, Inc.
$103.7
-0.02
(-0.02%)
| Exchange: | NYSE |
| Market Cap: | 36.018B |
| Shares Outstanding: | 580.047M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Insurance – Life | |||||
| CEO: | Andrew Francis Sullivan | |||||
| Full Time Employees: | 37936 | |||||
| Address: |
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| Website: | https://www.prudential.com |
Prudential Financial, Inc. operates in both the U.S. and global markets, delivering a range of financial and insurance solutions alongside investment management expertise through its various subsidiaries. The company organizes its operations into eight distinct divisions: PGIM, Retirement, Group Insurance, Individual Annuities, Individual Life, Assurance IQ, International Businesses, and Closed Block. PGIM, its investment management arm, provides diverse strategies including public fixed income and equities, real estate debt and equity, private credit, alternative investments, and multi-asset class approaches. These services cater to a broad clientele, encompassing institutional investors, retail clients, and its own general account. For retirement planning, Prudential offers investment and income products designed for sponsors of retirement plans across public, private, and not-for-profit sectors. Its Group Insurance segment supplies a variety of coverage options such as group life, long-term and short-term disability, and corporate-, bank-, or trust-owned life insurance. Primarily serving institutional clients, these offerings support employee and membership benefit programs. Additionally, the company provides accidental death & dismemberment, supplemental health solutions, and administrative services for these insurance coverages. The firm also develops and distributes individual variable and fixed annuity products, primarily targeting affluent and mass affluent consumers. Similarly, it offers individual variable, term, and universal life insurance products to a similar demographic, covering mass middle, mass affluent, and affluent segments in the United States. Through Assurance IQ, Prudential facilitates access for retail consumers to third-party life, health, Medicare, property and casualty, and term life insurance products via its digital platforms and a network of independent agents. Both individual and institutional customers can access the company’s offerings through its direct channels and partnerships with third-party distributors. Established in 1875, Prudential Financial, Inc. maintains its corporate headquarters in Newark, New Jersey.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 54,265,000 | 70,675,000 | 60,774,000 |
| Gross Profit | 17,555,000 | 17,519,000 | 25,550,000 |
| EBITDA | 3,002,000 | 3,592,000 | 4,913,000 |
| Operating Income | 3,072,000 | 3,209,000 | 4,785,000 |
| Net Income | 2,488,000 | 2,727,000 | 3,576,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 721,123,000 | 735,587,000 | 773,740,000 |
| Total Liabilities | 691,336,000 | 705,461,000 | 738,159,000 |
| Total Stockholders Equity | 27,820,000 | 27,872,000 | 32,438,000 |
| Total Debt | 20,874,000 | 21,570,000 | 20,299,000 |
| Cash and Cash Equivalents | 19,419,000 | 18,497,000 | 19,712,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 6,510,000 | 8,502,000 | 0 |
| Capital Expenditure | 0 | 0 | 0 |
| Free Cash Flow | 6,510,000 | 8,502,000 | 0 |
| Net Income | 2,508,000 | 2,846,000 | 3,576,000 |
| Net Change in Cash | 2,164,000 | -943,000 | -18,520,000 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2029 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 62,519,227.052 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 66,598,114.264 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 64,721,000 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 3,888,935.674 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 4,142,658.101 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 4,025,894.395 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 6,153,815.790 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 6,681,326.705 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 6,438,564.818 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 13,172,887.333 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 14,032,314.492 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 13,636,803.929 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 18.400 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 19.090 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 17.590 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 5 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 1 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance: Prudential reported a pretax adjusted operating income of $1.7 billion in the latest quarterly earnings call (Q2 2025), reflecting strong operational efficiency. Key metrics such as revenue and net income from recent income statements indicate consistent profitability, supported by a healthy gross profit margin (TTM data).
- Robust Cash Flow Generation: Free cash flow (as per cash flow statements) and free cash flow yield (TTM) demonstrate the company’s ability to generate significant liquidity, providing flexibility for reinvestment or dividend payments. This is further supported by positive net cash provided by operating activities.
- Global Operational Reach: Revenue geographic segments highlight diversified income streams across multiple regions, reducing reliance on any single market. This global presence, as noted in the earnings call, positions Prudential to capitalize on varied growth dynamics.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates PRU intrinsic value between $180.79 – $348.76 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about PRU valuation
Is Prudential Financial, Inc. (PRU) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Prudential Financial, Inc. (PRU) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is PRU a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether PRU trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is PRU’s P/E ratio?
You can see PRU’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for PRU?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is PRU a good long-term investment?
Whether PRU fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
PRU
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Daily snapshot
-0.02
Trading Metrics:
| Open: | 102.99 | Previous Close: | 103.72 | |
| Day Low: | 102.6 | Day High: | 104.67 | |
| Year Low: | 91.89 | Year High: | 119.76 | |
| Price Avg 50: | 99.59 | Price Avg 200: | 104.2 | |
| Volume: | 1.731M | Average Volume: | 2.232M |
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Login — it's freePRU full analysis
Welcome to MARKETSNAP’s SWOT analysis for Prudential Financial, or PRU as it’s known on the ticker. If you’re a long-term investor looking to build wealth, you’ve probably come across this giant in the financial services space. Today, we’re diving deep into what makes Prudential tick, breaking down its strengths, weaknesses, opportunities, and threats, all while keeping an eye on what could drive this stock for the long haul. Let’s get into it with a quick overview and some recent developments…
