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Upturn AI SWOT - About
PRU 
Prudential Financial Inc (PRU)
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Upturn Advisory Summary
09/12/2025: PRU (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $115.71
1 Year Target Price $115.71
| 2 | Strong Buy |
| 0 | Buy |
| 13 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -2.91% | Avg. Invested days 45 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 37.62B USD | Price to earnings Ratio 23.55 | 1Y Target Price 115.71 |
Price to earnings Ratio 23.55 | 1Y Target Price 115.71 | ||
Volume (30-day avg) 16 | Beta 1.05 | 52 Weeks Range 88.12 - 125.75 | Updated Date 09/12/2025 |
52 Weeks Range 88.12 - 125.75 | Updated Date 09/12/2025 | ||
Dividends yield (FY) 4.95% | Basic EPS (TTM) 4.54 |
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 - | When - | Estimate - | Actual - |
Profitability
Profit Margin 2.76% | Operating Margin (TTM) 5.39% |
Management Effectiveness
Return on Assets (TTM) 0.17% | Return on Equity (TTM) 5.8% |
Valuation
Trailing PE 23.55 | Forward PE 7.69 | Enterprise Value 60170375257 | Price to Sales(TTM) 0.64 |
Enterprise Value 60170375257 | Price to Sales(TTM) 0.64 | ||
Enterprise Value to Revenue 1.01 | Enterprise Value to EBITDA - | Shares Outstanding 351943008 | Shares Floating 350722240 |
Shares Outstanding 351943008 | Shares Floating 350722240 | ||
Percent Insiders 0.18 | Percent Institutions 61.12 |
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. It evolved from providing working-class families with affordable life insurance to becoming a global financial services leader. Significant milestones include demutualization in 2001 and expansion into wealth management and investment services.
Core Business Areas
- PGIM (Global Investment Management): Offers a range of investment management services and solutions to institutional and retail clients worldwide.
- Retirement Strategies: Provides retirement income and investment products and services, including annuities, life insurance, and investment solutions for institutions and individuals.
- U.S. Businesses: Consists of businesses that primarily serve individual and institutional customers in the United States.
- International Businesses: Focuses on businesses that primarily serve individual and institutional customers outside of the United States.
Leadership and Structure
The CEO is Charles Lowrey. The organizational structure is hierarchical, with various business units reporting to senior management. The Board of Directors provides oversight and strategic guidance.
Top Products and Market Share
Key Offerings
- Individual Annuities: Offers a range of variable and fixed annuities designed to provide retirement income. Competitors include Lincoln National (LNC), Athene (ATH), and Jackson National Life.
- Group Insurance: Provides life, disability, and other group insurance products to employers for their employees. Market share varies by segment, with Prudential being a significant player in the large-case market. Competitors include MetLife (MET), The Hartford (HIG).
- Investment Management (PGIM): Manages assets for institutional and retail clients globally. PGIM is a large asset manager, competing with BlackRock (BLK), Vanguard, and State Street (STT).
Market Dynamics
Industry Overview
The financial services industry is highly competitive and heavily regulated, influenced by interest rates, economic growth, and demographic trends. It's experiencing digital transformation and increased focus on sustainability.
Positioning
Prudential Financial Inc. is a well-established player with a strong brand and a diversified business model. Its competitive advantages include its global reach, diverse product offerings, and strong distribution network.
Total Addressable Market (TAM)
The global asset management market is estimated at over $100 trillion. The global insurance market is valued at several trillion USD. Prudential Financial Inc. has a substantial presence but only captures a fraction of these enormous markets. The TAM is growing.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Diversified business model
- Global presence
- Significant assets under management (AUM)
- Strong capital position
Weaknesses
- Exposure to market volatility
- Complex regulatory environment
- Sensitivity to interest rate changes
- High operating expenses in some segments
Opportunities
- Growing demand for retirement solutions
- Expansion into emerging markets
- Leveraging digital technologies
- Increasing focus on sustainable investing
- Acquisition opportunities
Threats
- Increased competition
- Regulatory changes
- Economic downturns
- Cybersecurity risks
- Rising interest rates
Competitors and Market Share
Key Competitors
- MET
- AIG
- LNC
- SLF
Competitive Landscape
Prudential Financial Inc faces intense competition across all its business segments. It competes on price, product innovation, and distribution capabilities. Its strong brand and diverse offerings provide a competitive edge, but competitors are also adapting to market changes.
Major Acquisitions
Assurance IQ
- Year: 2019
- Acquisition Price (USD millions): 2350
- Strategic Rationale: Expanded Prudential's reach into the direct-to-consumer insurance market.
Growth Trajectory and Initiatives
Historical Growth: Data not Available, please refer to external public sources
Future Projections: Data not Available, please refer to external public sources
Recent Initiatives: Recent initiatives include focusing on high-growth markets, expanding digital capabilities, and enhancing customer experience.
Summary
Prudential Financial Inc. is a large and diversified financial services company with a strong brand. While it faces competition and market volatility, its diversified business model and global presence provide resilience. Expanding digital capabilities and focusing on high-growth markets are critical for future success. Regulatory hurdles and economic conditions will affect Prudential's bottom line.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change.
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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