Prudential Financial, Inc.PRU
NYSE•Financial Services•Insurance - Life
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.
Prudential Financial, Inc. (PRU) reported trailing twelve months revenue of $62.96B as of March 2026, a 3.8% increase year-over-year. Quarterly revenue reached $15.53B, reflecting continued top-line momentum.
Prudential Financial, Inc. generated $3.47B in TTM net income, with quarterly EBITDA of $878.00M. The operating margin contracted from 6.8% to 4.7%, suggesting rising cost pressures or pricing headwinds.
The spread between operating margin (4.7%) and net margin (3.8%) indicates tight cost control with minimal non-operating drag. Net margin has narrowed from 5.2% a year ago, reflecting increased costs or interest expense.
PRU trades at a P/E of 9.5x (below the broader market average) and a P/S of 0.5x. The price-to-book ratio of 1.0x reflects a moderate premium to book value.
The company generated $1.01B in free cash flow over the trailing twelve months, a 140.2% increase year-over-year, indicating cash generation ability. The balance sheet shows $765.40B in total assets with no in long-term debt against $31.98B in stockholders equity. Data based on the most recent quarterly reports.
Competitive analysis based on 21 quarters of fundamental data
Operating margins are under pressure, averaging 5.7%. The business may lack pricing power or face rising costs.'
ROE is positive at ~9.6% on average, adequate but below the threshold typically associated with wide moats.
6 of the last 8 quarters generated positive FCF. The company generally funds itself but has occasional cash consumption quarters.
Revenue has grown modestly overall (~1.2%) but trajectory is uneven, suggesting a competitive or cyclical business.
Data-driven red flags and warnings across 21 quarters
The company posted negative operating margins in recent quarters — core operations are unprofitable.
FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.
D/E ratio is 0.7 — conservative capital structure with low financial risk.
Revenue has softened, declining in 4 quarters. Monitor for further erosion.
FCF turned negative in 2 of the last 8 quarters — occasional cash consumption.
Shares decreased 3.1% — net buybacks are reducing shares outstanding and boosting per-share value.
Quarterly standardized metrics.
Stock price and market valuation
Revenue and earnings growth across quarters
Assets, cash, debt, and leverage
Price multiples and return ratios
Operating efficiency and return metrics
Free cash flow, earnings quality, and capital allocation