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Prudential Financial

PRU NYSE Life & Health Insurance Financials FY2016–FY2025

Prudential Financial's revenue fell 13.7% to $60.8 billion in fiscal 2025. Its net margin was 5.9%, up from 3.9% a year earlier. It paid out $2.9 billion in dividends and buybacks. The diluted share count fell 1.6%.

Last close · Oct 23, 2026

$114.99

2.7%
Value it Compare
Revenue Total sales reported in the income statement.
$60.8B
13.7% vs prior year
Operating margin Operating income as a share of revenue.
—
Net income Profit after all expenses, interest and tax.
$3.6B
31.1%
Free cash flow Cash from operations minus capital spending.
—
Return on capital After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
—
Market cap Last close times the latest diluted share count, so it is approximate.
$40.0B
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
10.4x
On $11.04 EPS (TTM)

About these figures. Prudential's cash flow statement doesn't show its spending on property and equipment as a line of its own, so capital spending and free cash flow are left blank.

What Prudential Financial does

No business description yet.

Legal name
PRUDENTIAL FINANCIAL INC
Fiscal year ends
December 31, 2025
Latest annual report
—
Accession · CIK
0001137774-26-000048
0001137774

Revenue and margins

Prudential Financial had $60.8B of revenue in fiscal 2025, down 13.7% on the year before.

Revenue
Revenue
Margins, % of revenue
Gross Operating Net FCF
Margins, % of revenue
Gross Operating Net FCF

Net income and earnings per share

From fiscal 2016 to 2025, diluted EPS grew 0.3% a year. Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns on capital

After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.

Return on capital, equity and assets (annual)
Return on capital Return on equity Return on assets

Cash flow

Free cash flow was — in fiscal 2025, — of revenue. Cash from operations minus capital spending.

Free cash flow
Cash from operations vs capital spending
Cash from operations Capital spending
Cash from operations vs capital spending
Cash from operations Capital spending

Dividends, buybacks and share count

Prudential Financial returned $2.9B to shareholders in fiscal 2025. The diluted share count fell 1.6%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Value Prudential Financial yourself

Change the assumptions and see what they imply per share. These are models, not forecasts or price targets — the answer depends entirely on what you put in.

Discounted cash flow

Value per share

—

Adds net cash of $856M and divides by 353.7M diluted shares. Ten years of cash flows plus a terminal value, discounted to today.

Earnings multiple

Value per share

—

Reference multiples: today 10.4x · peers 17.3x · sector 13.7x.

Balance sheet

Cash, debt and the ratios that show how comfortably Prudential Financial can carry it.

Cash vs debt (incl. leases)
Cash Debt
Fiscal year endFY21FY22FY23FY24FY25
Cash and short-term investments $19.5B$21.8B$19.4B$18.5B$19.7B
Debt incl. finance leases $18.6B$19.9B$18.9B$19.2B$18.9B
Net debt / EBITDA −0.1x——0.1x−0.1x
Debt / equity 0.3x————
Interest coverage 8.3x−0.2x2.7x2.6x3.4x
Total assets $937.6B$689.0B$721.2B$735.6B$773.7B
Total liabilities $875.0B$657.1B$691.3B$705.5B$738.2B
Shareholders' equity $61.9B$30.6B$27.8B$27.9B$32.4B
Net debt (− = net cash) −$901M−$1.9B−$537M$690M−$856M

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.2M

3 insiders

Sold, 12 months

$9.2M

4 insiders

Of sales under plans

0%

$0.0M

DateInsiderTradeSharesPriceValueFiling
Aug 14, 2026 Ann M KapplerEVP and General Counsel Sold 7,652 $125.01 $1.0M Form 4
May 14, 2026 Ann M KapplerEVP and General Counsel Sold 13,580 $103.25 $1.4M Form 4
Feb 17, 2026 Thomas D StoddardDirector Bought 250 $102.97 $0.0M Form 4
Feb 11, 2026 Joseph J WolkDirector Bought 400 $105.32 $0.0M Form 4
Feb 6, 2026 Jacques ChappuisExecutive Vice President Bought 1,000 $100.97 $0.1M Form 4
Dec 11, 2025 Caroline FeeneyExecutive Vice President Sold 6,555 $116.28 $0.8M Form 4
Dec 2, 2025 Timothy L SchmidtSenior Vice President Sold 8,000 $107.69 $0.9M Form 4
Nov 10, 2025 Charles F LowreyChairman of the Board, Director Sold 48,164 $107.39 $5.2M Form 4

Piotroski F-score

Nine pass/fail tests of profitability, funding and efficiency. 8–9 is strong, 0–2 weak.

TestFY23FY24FY25
Net income is positive ✓ ✓ ✓
Cash from operations is positive ✓ ✓ ✓
Return on assets rose ✓ ✓ ✓
Cash from operations exceeds net income ✓ ✓ ✓
Debt fell relative to assets ✕ ✓ ✓
Current ratio rose — — —
Share count didn't rise ✓ ✓ ✓
Gross margin rose — — —
Revenue rose relative to assets ✓ ✓ ✕
F-score — / 9— / 9— / 9
Accruals ratio −0.6%−0.8%−0.4%
Altman Z'' ———

Similar companies

Each company's latest fiscal year. Fiscal years end in different months, so periods don't line up exactly.

CompanyMarket capGrowthOp. marginFCF marginROICP/EF-score
Prudential Financial PRU $40.0B −13.7% — — — 10.4x —
MetLife MET $63.9B 8.6% 8.0% — — 18.9x — Compare →
Aflac AFL $60.9B −9.3% — — 13.0% 13.0x — Compare →
Principal Financial Group PFG $23.9B −3.1% — — — 15.6x — Compare →
Unum UNM $14.4B 1.5% — 4.3% 7.6% 21.0x — Compare →

10 years of figures

US$ millions unless stated. Hover a ratio's name for its definition.

Download CSV
Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $58.8B $59.7B $63.0B $64.8B $57.0B $71.2B $56.9B $54.0B $70.4B $60.8B
Interest expense $1.3B $1.3B $1.4B $1.6B $1.6B $1.5B $1.6B $1.8B $2.0B $1.9B
Pretax income $5.7B $6.5B $4.8B $5.1B −$323M $10.8B −$1.9B $3.1B $3.2B $4.7B
Income tax $1.3B −$1.4B $822M $947M −$81.0M $2.0B −$279M $613M $507M $1.1B
Net income $4.4B $7.9B $4.1B $4.2B −$374M $8.9B −$1.6B $2.5B $2.7B $3.6B
Diluted EPS $9.71 $17.86 $9.50 $10.11 −$1.00 $22.40 −$4.49 $6.74 $7.50 $9.99
Diluted shares 0.45B 0.44B 0.43B 0.41B 0.40B 0.39B 0.37B 0.36B 0.36B 0.35B
Cash flow
Cash from operations $14.9B $13.5B $21.7B $19.6B $8.4B $9.8B $5.2B $6.5B $8.5B $6.3B
Depreciation and amortization $318M $222M $161M $460M $457M $206M $117M — $383M $128M
Stock-based compensation $202M $263M $155M $231M $226M $268M $208M $254M $314M $257M
Acquisitions $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Share buybacks $2.0B $1.3B $1.5B $2.5B $500M $2.5B $1.5B $1.0B $1.0B $1.0B
Dividends paid $1.3B $1.3B $1.5B $1.6B $1.8B $1.8B $1.8B $1.8B $1.9B $1.9B
Dividends and buybacks $3.3B $2.5B $3.0B $4.1B $2.3B $4.3B $3.3B $2.9B $2.9B $2.9B
Balance sheet
Cash and short-term investments $21.6B $21.3B $21.8B $21.8B $21.5B $19.5B $21.8B $19.4B $18.5B $19.7B
Total debt $18.0B $17.2B $17.4B $18.6B $19.7B $18.6B $19.9B $18.9B $19.2B $18.9B
Finance lease liabilities $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Inventory $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Total assets $784.0B $832.1B $815.1B $896.6B $940.7B $937.6B $689.0B $721.2B $735.6B $773.7B
Total liabilities $737.9B $777.6B $766.0B $832.8B $872.5B $875.0B $657.1B $691.3B $705.5B $738.2B
Shareholders' equity $45.9B $54.2B $48.6B $63.1B $67.4B $61.9B $30.6B $27.8B $27.9B $32.4B
Margins
EBITDA margin 12.5% 13.5% 10.2% 11.0% 3.0% 17.6% −0.3% — 8.0% 11.0%
Net margin 7.4% 13.2% 6.5% 6.5% −0.7% 12.5% −2.9% 4.6% 3.9% 5.9%
Returns
Return on equity 10.0% 15.7% 7.9% 7.5% −0.6% 13.7% −3.6% — — —
Return on assets 0.6% 1.0% 0.5% 0.5% −0.0% 0.9% −0.2% 0.4% 0.4% 0.5%
Growth
Revenue growth 2.9% 1.6% 5.5% 2.9% −12.0% 24.9% −20.2% −5.1% 30.4% −13.7%
Net income growth −22.6% 80.0% −48.2% 2.8% −108.9% — −118.6% — 9.6% 31.1%
EPS growth −20.2% 83.9% −46.8% 6.4% −109.9% — −120.0% — 11.3% 33.2%
Share count change −3.0% −2.4% −2.3% −3.6% −3.7% −1.4% −4.6% −2.1% −1.5% −1.6%
Financial health
Net debt / EBITDA −0.5x −0.5x −0.7x −0.4x −1.1x −0.1x — — 0.1x −0.1x
Debt / equity 0.4x 0.3x 0.4x 0.3x 0.3x 0.3x — — — —
Interest coverage 5.3x 5.9x 4.4x 4.3x 0.8x 8.3x −0.2x 2.7x 2.6x 3.4x
Capital allocation
Stock comp / revenue 0.3% 0.4% 0.3% 0.4% 0.4% 0.4% 0.4% 0.5% 0.5% 0.4%
Quality scores
Accruals ratio −1.4% −0.7% −2.1% −1.8% −1.0% −0.1% −0.8% −0.6% −0.8% −0.4%

Source: SEC EDGAR XBRL filings (CIK 0001137774). Data updated October 9, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.

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