Stocks · Financial Services · Insurance - Life
Prudential Financial, Inc. 5.95 PRH
$20.78 -0.76% Close, Oct 2, 2026 · NYSE · Market cap $7.23B
Strong growthWeak trendInexpensive vs sector
Next earnings report: Nov 4, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $11.11, up 145.8% year over year.
- The diluted share count fell 8.5% in a year, mainly through buybacks.
- The stock is in a downtrend: below its 200-day average, with the 50-day average below the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 42%
- EPS growth (TTM, YoY)Top 6%
- FCF growth (TTM, YoY)Top 3%
- Revenue growth, 3-year CAGRBottom 12%
- Revenue growth accelerationTop 18%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 39%
- Gross marginBottom 10%
- Operating marginBottom 17%
- Cash conversion (OCF / net income)Top 12%
- Accruals (lower is better)Top 34%
- Net debt / EBITDA (lower is better)Top 47%
- Interest coverTop 23%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 2%
- Free-cash-flow yieldTop 1%
- EBITDA / enterprise valueTop 3%
- Sales / enterprise valueTop 1%
- P/E vs own 5-year history (lower is better)Top 16%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 13%
- 6-month returnBottom 9%
- 1-year return vs S&P 500Bottom 16%
- Distance from 52-week highBottom 26%
- Trend checklist (0–4)Bottom 9%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 24%
- Consecutive EPS beatsTop 42%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 22%
- Maximum drawdown, 3 yearsTop 32%
- Beta vs S&P 500 (lower is better)Top 19%
- Net debt / EBITDA (lower is better)Top 47%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 3.8% | 8.9% | ↑ |
| EPS growth (YoY) | 54.9% | 145.8% | ↑ |
| Gross margin | 26.7% | 30.8% | ↑ |
| Operating margin | 3.5% | 7.7% | ↑ |
| FCF margin | 3.5% | 16.9% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 8.9% | 3.8% | ↑ | Top 42% |
| EPS growth (TTM, YoY) | 145.8% | 54.9% | ↑ | Top 6% |
| Gross margin | 30.8% | 26.7% | ↑ | Bottom 10% |
| Operating margin | 7.7% | 3.5% | ↑ | Bottom 17% |
| Net margin | 5.9% | 2.7% | ↑ | — |
| Free-cash-flow margin | 16.9% | 3.5% | ↑ | — |
| Return on invested capital | 0.7% | — | Bottom 39% | |
| Revenue growth, 3-year CAGR | 2.3% | — | Bottom 12% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 2.86×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.9%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -10.1 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 1.03×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 3.9×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 26.91%
- Net buyback yield (TTM)
- 12.34%
- Shareholder yield
- 39.25%
- Share count change, 1 year
- -8.5%
- Share count change, 3-year CAGR
- -4.0%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 5, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 2
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +11.3%
- Average 2-day reaction, last 8
- -0.2%
- Positive 20 days after report
- 1 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 4, 2026 | +15.9% | +0.2% | -1.3% | -3.3% | — |
| May 5, 2026 | +16.8% | -0.4% | -0.1% | -3.3% | -6.7% |
| Feb 3, 2026 | -2.1% | +0.1% | +0.3% | -1.1% | -4.8% |
| Oct 29, 2025 | +14.5% | -0.4% | -1.2% | -2.1% | -0.1% |
| Jul 30, 2025 | +11.2% | -0.2% | +0.5% | -0.4% | -1.3% |
| Apr 30, 2025 | +3.5% | -0.6% | -0.5% | +0.0% | +3.9% |
| Feb 4, 2025 | -8.6% | +0.2% | +1.2% | -0.1% | -2.7% |
| Oct 30, 2024 | +0.3% | -0.2% | +0.2% | -2.0% | -2.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 4, 2026 | $4.08 | $3.52 | +15.9% | $14.82B |
| May 5, 2026 | $3.61 | $3.09 | +16.8% | $15.23B |
| Feb 3, 2026 | $3.30 | $3.37 | -2.1% | $14.52B |
| Oct 29, 2025 | $4.26 | $3.72 | +14.5% | $16.24B |
| Jul 30, 2025 | $3.58 | $3.22 | +11.2% | $13.51B |
| Apr 30, 2025 | $3.29 | $3.18 | +3.5% | $13.41B |
| Feb 4, 2025 | $2.96 | $3.24 | -8.6% | $13.01B |
| Oct 30, 2024 | $3.48 | $3.47 | +0.3% | $19.48B |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 1.9× | 3.4× | 16th | Top 2% |
| P/E (forward) | 1.4× | — | — | — |
| EV / EBITDA | 2.4× | — | — | Top 3% |
| EV / Sales | 0.20× | — | — | Top 1% |
| Free-cash-flow yield | 151.68% | — | — | Top 1% |
| Earnings yield | 53.46% | — | — | Top 2% |
P/E over the past five years
Range 1.3× – 31.7× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -19.3%
- Earnings per share growth (TTM)
- +145.8%
- Change in P/E multiple
- -64.8%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -1.9%
- 200-day average slope (20 days)
- -1.4%
- Distance from 50-day average
- -4.0%
- Distance from 200-day average
- -11.0%
- RSI (14)
- 36.3
- Relative volume
- 1.08×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 13.3%
- Volatility vs own 5-year history
- 100th percentile · High for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.17
- Correlation with S&P 500
- 0.29
- Current drawdown from 1-year high
- -19.3%
- Maximum drawdown, 3 years
- -23.1%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Aug 14, 2024 | Sep 30, 2026 | -23.1% | 533 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $7.23B
- P/E (TTM)
- 1.9
- EPS, diluted (TTM)
- $11.11
- Revenue (TTM)
- $64.83B
- Dividend yield
- 7.16%
- 52-week range
- $20.57 – $25.75
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $71.15B | $56.99B | $54.27B | $70.67B | $60.97B |
| Gross profit | $28.28B | $11.89B | $17.55B | $17.52B | $18.94B |
| Operating income | $10.84B | -$1.89B | $3.07B | $3.21B | $4.66B |
| Net income | $8.87B | -$1.65B | $2.49B | $2.73B | $3.58B |
| EPS (diluted) | $19.51 | -$4.49 | $6.74 | $7.50 | $10.22 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $19.53B | $12.64B | $13.54B | $13.80B | $17.95B | $15.68B | $15.55B | $15.66B |
| Net income | $448.0M | -$57.0M | $707.0M | $533.0M | $1.43B | $905.0M | $597.0M | $909.0M |
| EPS (diluted) | $1.24 | -$0.16 | $1.96 | $1.48 | $4.01 | $2.59 | $1.71 | $2.80 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $9.81B | $5.16B | $6.51B | $8.50B | $6.27B |
| Capital expenditure | $736.0M | $0 | $0 | $0 | $0 |
| Free cash flow | $10.55B | $5.16B | $6.51B | $8.50B | $6.27B |
| Dividends paid | -$1.81B | -$1.82B | -$1.85B | -$1.89B | -$1.93B |
| Net share buybacks | -$2.50B | -$1.49B | -$1.01B | -$1.00B | -$891.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $348.69B
- Total assets
- $783.55B
- Total liabilities
- $751.62B
- Total debt
- $20.62B
- Net debt
- $5.46B
- Shareholders’ equity
- $31.58B
As of Jun 30, 2026 (filed Aug 5, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 14, 2026 | $0.37 | Sep 1, 2026 |
| May 15, 2026 | $0.37 | Jun 1, 2026 |
| Feb 13, 2026 | $0.37 | Mar 2, 2026 |
| Nov 14, 2025 | $0.37 | Dec 1, 2025 |
| Aug 15, 2025 | $0.37 | Sep 2, 2025 |
| May 15, 2025 | $0.37 | Jun 2, 2025 |
| Feb 14, 2025 | $0.37 | Mar 3, 2025 |
| Nov 15, 2024 | $0.37 | Dec 2, 2024 |
Short interest
- Shares sold short
- 38,987
- Days to cover
- 1.00
- Change vs previous report
- +70.3%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- May 24, 2013
- 25-for-1