Bull Rankings model

Prudential Financial, Inc. (PRU) stock analysis

Insurance - Life. Scored on the same transparent model behind the daily rankings.

★
PRU
Prudential Financial, Inc. · Insurance - Life
73.4Financial strength
$113.41Oct 13 close$39.1B
1Y Target$113.00Analyst consensus · 15 analysts
5Y Target$142.66Compound horizon
10Y Target$182.96Long-dated conviction
Rev-13.7%
D
Revenue -13.7% — meaningful contraction
P/E10.3x
A-
P/E 10.3 — cheaper than most Financial Services peers (≈25th pctile)
ROE12.0%
B
ROE 12.0% — acceptable capital return
P/B1.24
B+
P/B 1.24 — reasonable for a quality bank
Yield5.0%
B+
Yield 5.0% — healthy income

Targets: 1-year is analyst consensus where covered, 5- and 10-year are model estimates; the DCF is a cross-check, not a target. Methodology

Financial strength · 73.4 / 100
Profitability63.0
Value (P/B)75.4
Income89.5

A peer-relative read for financials on profitability (ROE), valuation, and covered income — the quality-growth (FCF/ROIC) screen doesn't apply to balance-sheet businesses. Not comparable to the 0–100 quality-growth score shown on other stocks.

Entry · Margin of safety
52-week rangeMid-range
11% off the 12-month high

Model-generatedFrom reported fundamentals, checked against the figures above · Editorial standards

Why now
Insurance - Life · market cap $39.1b. 11% off the 52-week high of $127.72. Revenue -14% — in contraction; any catalyst that reverses this triggers re-rating. PEG 0.66 — paying under fair value for the growth rate. 15 sell-side analysts rate this a Hold with a mean 1-yr target of $113.00 (implying -0% upside).
Moat
ROE 12% meets the long-run market sustainable threshold — solid but not differentiated; the durability comes from elsewhere. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Revenue contracting -14% — the operational turn is not yet visible in the top line. Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Horizon
1-3 yr $113.00 (15-analyst consensus) — multiple re-rating thesis requires a catalyst. 5 yr $142.66 at ~5% CAGR — dividend + buyback compounding. 10 yr $182.96 if the moat survives secular pressure.

Not enough history yet — the model records PRU's score after each daily run, and the chart appears once a few days have accumulated.

PRU at a glance

FINANCIAL STRENGTH · BANKPROFITABILITY63VALUE75COVERED INCOME9073.4/100 on our peer scale — not the quality-growth score.
PRICE IN ITS 52-WEEK RANGE$113LOW $91.9HIGH $128Trading at the 60th percentile of its 52-week range ($91.9–$128).
ONE-YEAR MOVE VS ITS BETAFLATThis stock+12%Trailing one-year price change. Price history is not an inputto the Bull Rankings score.

Same audited fundamentals as the score, unless a card says otherwise.

Analyst estimate revisions

30-day change+0.0%
90-day change+1.8%
Forward EPS estimate$14.86

Over the last 90 days, what analysts expect PRU to earn is drifting higher (+1.8%). The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.

Estimates move both ways and are not part of the Bull Rankings score. Biggest movers →

Shares to buy
17
Position size
$1,928
3.9% of portfolio
Stop price
$85.06
25% below $113.41
$ at risk if stopped
$481.99
budget $500.00 · 1% of portfolio

Math only: excludes commissions, slippage and gap risk. Inputs stay in your browser.

Prudential Financial, Inc. (PRU): score, valuation & FAQ

Prudential Financial, Inc. (PRU) is an Insurance - Life company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.

Its strongest graded signals are P/E (A-), P/B (B+) and Yield (B+), while Rev (D) rate weaker.

Is PRU a good stock to buy?

Bull Rankings grades PRU on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. That is driven by P/E (A-), P/B (B+) and Yield (B+). A score is a quantitative screen of Prudential Financial, Inc.'s fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.

How does Bull Rankings grade PRU?

As a bank, insurer or REIT, PRU isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage, where it rates strongest on P/E (A-), P/B (B+) and Yield (B+) and weakest on Rev (D).

Is PRU overvalued or undervalued?

We don't publish a discounted-cash-flow value for PRU, and not because the business is unprofitable. For a lender, insurer or property trust, "free cash flow" measures balance-sheet growth rather than owner earnings — loan originations and repayments run through operating cash flow — so discounting it would produce a confident-looking number with nothing behind it. PRU is judged on book value, return on equity and income cover instead, which is what the financial-strength card shows.

What are the main risks of investing in PRU?

Revenue contracting -14% — the operational turn is not yet visible in the top line. Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.

New to these metrics? See the guides and the methodology.

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