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Upturn AI Summary - About
Prudential PLC ADR(PUK)
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 PUK
09/25/2026: PUK (1-star) is currently NOT-A-BUY. Pass it for now.
Prudential PLC is a leading life and health insurance provider that has successfully transitioned into a pure-play focused on the growth of Asian and African markets. Its main strength lies in its extensive distribution networks and deep regional market expertise, which support a compelling long-term growth story driven by the expanding middle class. However, the company faces risks from currency volatility, geopolitical tensions, and intense regional competition. The stock may suit investors seeking long-term exposure to emerging market insurance demand who are comfortable with the inherent volatility of these regions. Investors should monitor regional regulatory developments and the company’s progress in digital distribution efficiency.
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 | Strong fit | The company is positioned to capture long-term expansion in Asian and African middle-class insurance demand. |
| Momentum investor | Mixed fit | Momentum is conditional on positive trends in Asian market sentiment and interest rate stability. |
| Value investor | Strong fit | The stock often trades at valuations that reflect emerging market discounts relative to peers. |
| Dividend investor | Strong fit while signal remains positive | The company has a history of prioritizing shareholder dividends as part of its capital allocation policy. |
| Low-risk investor | Weak fit | Exposure to emerging market currencies and geopolitical risks introduces significant volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Emerging market assets are subject to higher swings in valuation due to macro factors. |
| Valuation risk | Medium | Stock performance is heavily tethered to regional economic growth forecasts. |
| Competition risk (Regional Insurance Competition) | High | Prudential faces intense competition from local and regional insurers in Asia. |
| Business quality | Strong | The firm holds a strong franchise and operational history in key Asian growth markets. |
| Dividend income | Medium | Dividend payouts depend on regional earnings volatility and capital requirements. |
| Execution risk | Medium | Successfully managing a diverse set of regulatory regimes remains a core operational challenge. |
Price Behavior
Downtrend
The stock has experienced a sustained decline in price over recent periods.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 8.09% | Avg. Invested days 51 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/25/2026 |
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 31.14B USD | Price to earnings Ratio 8.89 | 1Y Target Price 38.05 |
Price to earnings Ratio 8.89 | 1Y Target Price 38.05 | ||
Volume (30-day avg) 1.1M shares | Beta 0.89 | 52 Weeks Range 24.45 - 33.36 | Updated Date 09/26/2026 |
52 Weeks Range 24.45 - 33.36 | Updated Date 09/26/2026 | ||
Dividends yield (FY) 1.10% | Basic EPS (TTM) 2.84 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Asia Insurance | Life and health insurance products sold across various Asian nations. | Most revenue comes from insurance policies sold to growing Asian middle-class populations. |
| Africa Insurance | Protection and savings products in expanding African markets. | This is a smaller but faster-growing segment for future geographic diversification. |
| Asset Management | Investment services through Eastspring Investments. | The company earns fees by managing money for institutional and retail investors. |
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 8.89 | Forward PE 9.74 | Enterprise Value 31.16B | Price to Sales(TTM) 2.18 |
Enterprise Value 31.16B | Price to Sales(TTM) 2.18 | ||
Enterprise Value to Revenue 1.05 | Enterprise Value to EBITDA - | Shares Outstanding 1.23B | Shares Floating 4.71B |
Shares Outstanding 1.23B | Shares Floating 4.71B | ||
Percent Insiders - | Percent Institutions 3.02 |
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 PLC ADR
Exchange NYSE | Headquarters - | ||
IPO Launch date 1990-07-03 | CEO & Executive Director Mr. Anil Wadhwani | ||
Sector Financial Services | Industry Insurance - Life | Full time employees 15338 | Website https://www.prudentialplc.com |
Full time employees 15338 | Website https://www.prudentialplc.com | ||
Prudential plc, through its subsidiaries, provides life and health insurance, and asset management solutions to individuals in Asia and Africa. It offers savings and investments products; and wealth, health, and protection products. The company was founded in 1848 and is headquartered in Central, Hong Kong.
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