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Upturn AI Summary - About
Prudential Financial, Inc.(PRU)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for PRU
09/24/2026: PRU (2-star) is currently NOT-A-BUY. Pass it for now.
Prudential Financial, Inc. is a leading provider of insurance, investment management, and retirement solutions. The company is known for its strong market presence and the diversified nature of its business, which spans both U.S. insurance markets and global asset management through PGIM. While the company offers a reliable dividend for income-focused investors, its performance is subject to interest rate fluctuations and macroeconomic cycles. Key risks include intense competitive pressure and the need to successfully navigate digital transformation while managing legacy cost structures. Prudential is best suited for long-term investors seeking income and exposure to stable, albeit mature, financial services operations.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company operates in a mature industry with moderate long-term growth prospects. |
| Momentum investor | Mixed fit | Momentum suitability is conditional on a sustained upturn in financial sector performance. |
| Value investor | Strong fit | The stock often trades at valuations that reflect the stable nature of the insurance business. |
| Dividend investor | Strong fit | Prudential is well-regarded for its consistent history of dividend payments and shareholder returns. |
| Low-risk investor | Mixed fit | While established, the stock price remains subject to market volatility and interest rate sensitivity. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock is influenced by broader equity market trends and interest rate expectations. |
| Valuation risk | Low | Shares typically trade at reasonable multiples compared to industry peers. |
| Competition risk (Insurance and Asset Management) | Medium / high | Intense competition from both legacy insurers and asset management firms pressures margins. |
| Business quality | Strong | The company has an enduring market franchise and diversified income streams. |
| Dividend income | Strong | It provides reliable income for yield-focused investors. |
| Execution risk | Medium | Management must successfully integrate digital initiatives while managing core business legacy costs. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -1.61% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/24/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 40.97B USD | Price to earnings Ratio 10.66 | 1Y Target Price 113.4 |
Price to earnings Ratio 10.66 | 1Y Target Price 113.4 | ||
Volume (30-day avg) 1.6M shares | Beta 0.82 | 52 Weeks Range 89.60 - 126.26 | Updated Date 09/24/2026 |
52 Weeks Range 89.60 - 126.26 | Updated Date 09/24/2026 | ||
Dividends yield (FY) 4.68% | Basic EPS (TTM) 11.14 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| U.S. Businesses | Individual and group life insurance, retirement products. | The engine for core insurance revenue and retirement services. |
| PGIM | Institutional asset management fees. | High-margin fee-based business that leverages market growth. |
| International | Life insurance and retirement in Japan and other markets. | Provides geographic diversification and long-term insurance premiums. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE 10.66 | Forward PE 9.78 | Enterprise Value 69.37B | Price to Sales(TTM) 0.63 |
Enterprise Value 69.37B | Price to Sales(TTM) 0.63 | ||
Enterprise Value to Revenue 1.07 | Enterprise Value to EBITDA - | Shares Outstanding 345.00M | Shares Floating 343.90M |
Shares Outstanding 345.00M | Shares Floating 343.90M | ||
Percent Insiders 0.18 | Percent Institutions 64.9 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Prudential Financial, Inc.
Exchange NYSE | Headquarters Newark, NJ, United States | ||
IPO Launch date 2001-12-13 | Chairman, CEO & President Mr. Andrew Francis Sullivan | ||
Sector Financial Services | Industry Insurance - Life | Full time employees 36607 | Website https://www.prudential.com |
Full time employees 36607 | Website https://www.prudential.com | ||
Prudential Financial, Inc., together with its subsidiaries, provides 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; group annuities and other products; international reinsurance; investment only products; and FlexGuard suite, Fixed annuities, and variable annuities, as well as 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; and supplemental health solutions including accident, critical illness, and hospital indemnity. 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. The company provides its products and services to individual and institutional customers through its proprietary and third-party distribution networks, financial professionals, and trusted partnerships. Prudential Financial, Inc. was founded in 1875 and is headquartered in Newark, New Jersey.
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