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PRU 
Prudential Financial Inc (PRU)
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Upturn Advisory Summary
11/03/2025: PRU (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
16 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $116.36
1 Year Target Price $116.36
| 2 | Strong Buy |
| 0 | Buy |
| 13 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -6.59% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/03/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 36.61B USD | Price to earnings Ratio 14.33 | 1Y Target Price 116.36 |
Price to earnings Ratio 14.33 | 1Y Target Price 116.36 | ||
Volume (30-day avg) 16 | Beta 1.02 | 52 Weeks Range 88.12 - 125.75 | Updated Date 11/3/2025 |
52 Weeks Range 88.12 - 125.75 | Updated Date 11/3/2025 | ||
Dividends yield (FY) 5.14% | Basic EPS (TTM) 7.3 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2025-10-29 | When After Market | Estimate 3.73 | Actual 4.01 |
Profitability
Profit Margin 4.54% | Operating Margin (TTM) 9.92% |
Management Effectiveness
Return on Assets (TTM) 0.27% | Return on Equity (TTM) 8.5% |
Valuation
Trailing PE 14.33 | Forward PE 7.33 | Enterprise Value 58393063405 | Price to Sales(TTM) 0.64 |
Enterprise Value 58393063405 | Price to Sales(TTM) 0.64 | ||
Enterprise Value to Revenue 0.98 | Enterprise Value to EBITDA - | Shares Outstanding 349921578 | Shares Floating 348719000 |
Shares Outstanding 349921578 | Shares Floating 348719000 | ||
Percent Insiders 0.18 | Percent Institutions 61.65 |
Upturn AI SWOT
Prudential Financial Inc
Company Overview
History and Background
Prudential Financial, Inc., was founded in 1875 as The Widows and Orphans Friendly Society in Newark, New Jersey. Initially offering industrial insurance, it grew through strategic acquisitions and diversification into various financial services, including life insurance, annuities, retirement-related services, mutual funds, and investment management. It demutualized in 2001, becoming a publicly traded company.
Core Business Areas
- PGIM (Prudential Global Investment Management): PGIM is the asset management arm, offering investment solutions across public and private asset classes, including fixed income, equity, real estate, and alternatives.
- Retirement Strategies: Provides retirement income solutions, including annuities, pension risk transfer, and other retirement products and services.
- U.S. Businesses: Offers a range of financial protection and accumulation products and services, including life insurance, individual annuities, and workplace solutions.
- International Businesses: Focuses on insurance and asset management activities outside the U.S., primarily in Japan, Brazil, and other international markets.
Leadership and Structure
The CEO is Charles Lowrey. The organizational structure is divided into business segments with executive leadership overseeing each area. The Board of Directors provides governance and strategic oversight.
Top Products and Market Share
Key Offerings
- Individual Annuities: Offers fixed, variable, and indexed annuities. Competitors include Athene, Jackson National, and New York Life. Market share data is fragmented but Prudential is a major player in overall annuity sales.
- Life Insurance: Provides term, whole, and universal life insurance policies. Competitors include New York Life, Northwestern Mutual, and MetLife. Pruco Life Insurance Company has a significant portion of the U.S. life insurance market.
- ProductRevenue: Estimated 25% of total revenue
- ProductRevenue: Estimated 20% of total revenue
- Retirement Plans: Offers 401(k), pension risk transfer, and other retirement solutions to employers. Competitors include Fidelity, T. Rowe Price, and Vanguard. Prudential is a leader in pension risk transfer deals.
- Investment Management: PGIM manages assets for institutional and retail clients globally. Competitors include BlackRock, Vanguard, and State Street. PGIM has trillions in assets under management.
- ProductRevenue: Estimated 30% of total revenue
Market Dynamics
Industry Overview
The financial services industry is characterized by intense competition, regulatory changes, demographic shifts (aging population), and technological disruption. Low interest rates and market volatility can impact profitability.
Positioning
Prudential Financial is a diversified financial services company with a strong brand and global presence. Its competitive advantages include its scale, diverse product offerings, and established distribution network. However, competition is fierce from both traditional players and fintech companies.
Total Addressable Market (TAM)
The TAM for financial services, including insurance and asset management, is estimated to be trillions of dollars globally. Prudential Financial's TAM is limited to the segments it actively participates in, spanning trillions. It's positioned as a major player targeting a significant portion of this TAM.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Diversified business model
- Large asset base
- Global presence
- Established distribution network
Weaknesses
- Exposure to market volatility
- Complex regulatory environment
- Operational inefficiencies
- High operating costs
- Dependence on interest rates
Opportunities
- Growth in emerging markets
- Increasing demand for retirement solutions
- Technological advancements
- Strategic acquisitions
- Expansion of investment management services
Threats
- Increased competition
- Regulatory changes
- Economic downturns
- Rising interest rates
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- MET
- AIG
- LNC
- VOYA
Competitive Landscape
Prudential competes with other large insurance companies, asset managers, and retirement services providers. Its strengths include a strong brand and diverse product offerings, while its weaknesses include exposure to market volatility and a complex regulatory environment.
Major Acquisitions
Assurance IQ
- Year: 2019
- Acquisition Price (USD millions): 2350
- Strategic Rationale: Acquired to enhance its digital distribution capabilities and reach a broader customer base.
Growth Trajectory and Initiatives
Historical Growth: Prudential's growth has been driven by organic expansion and strategic acquisitions. It has expanded its presence in international markets and diversified its product offerings.
Future Projections: Analyst estimates suggest moderate revenue growth in the coming years, driven by growth in asset management and retirement solutions. EPS is expected to increase modestly.
Recent Initiatives: Recent initiatives include investments in technology, expansion in emerging markets, and strategic acquisitions to enhance product offerings.
Summary
Prudential Financial is a large, diversified financial services company with a strong brand and global presence. It benefits from a diversified business model and a large asset base, but faces challenges from market volatility and regulatory complexity. Growth opportunities exist in emerging markets and through technological innovation. The company is generally solid, but it should focus on navigating the current economic volatility.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Industry Publications
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market conditions and company performance can change, impacting the accuracy of the information presented.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Prudential Financial Inc
Exchange NYSE | Headquaters Newark, NJ, United States | ||
IPO Launch date 2001-12-13 | CEO, President & Director Mr. Andrew Francis Sullivan | ||
Sector Financial Services | Industry Insurance - Life | Full time employees 37936 | Website https://www.prudential.com |
Full time employees 37936 | Website https://www.prudential.com | ||
Prudential Financial, Inc., together with its subsidiaries, provides insurance, investment management, and other financial products and services in the United States, Japan and internationally. It operates through PGIM, Retirement Strategies, Group Insurance, Individual Life, and International Businesses segments. The PGIM segment offers investment management services and solutions related to public fixed income, public equity, real estate debt and equity, private credit and other alternatives, and multi-asset class strategies to institutional and retail clients, as well as its insurance and retirement businesses. The Retirement Strategies segment provides a range of retirement investment, and income products and services to retirement plan sponsors in the public, private, and not-for-profit sectors; develops and distributes individual variable and fixed annuity products. The Group Insurance segment offers various group life, and long-term and short-term group disability, as well as group corporate-, bank-, and trust-owned life insurance in the United States primarily for institutional clients for use in connection with employee and membership benefits plans; sells accidental death and dismemberment, and other supplemental health solutions; and plan administration services in connection with its insurance coverages. The Individual Life segment develops and distributes variable life, universal life, and term life insurance products. The International Businesses segment develops and distributes life insurance, retirement products, investment products, and certain accident and health products; and advisory and administration services . The company provides its products and services to individual and institutional customers through its proprietary and third-party distribution networks. Prudential Financial, Inc. was founded in 1875 and is headquartered in Newark, New Jersey.
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