Prudential Financial Financials

PRU Stock  USD 117.02  1.20  1.04%   
Based on the analysis of Prudential Financial's profitability, liquidity, and operating efficiency, Prudential Financial is not in a good financial situation at the present time. It has a very high chance of going through financial crunch in April. At this time, Prudential Financial's Good Will is comparatively stable compared to the past year. Intangible Assets is likely to gain to about 1.6 B in 2024, whereas Accounts Payable is likely to drop slightly above 9.1 B in 2024. Key indicators impacting Prudential Financial's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.810.7503
Significantly Up
Very volatile
Current Ratio7.387.768
Notably Down
Slightly volatile
The financial analysis of Prudential Financial is a critical element in measuring its lifeblood. The essential information of the day-to-day investment outlook for Prudential Financial includes many different criteria found on its balance sheet. For example, investors should never minimize Prudential Financial's ability to pay suppliers or employees on time, making sure interest payments are not accumulating or correctly timing where and how to re-invest extra cash. Any individual investor needs to monitor Prudential Financial's cash flow, debt, and profitability to effectively and accurately make more informed decisions on whether to invest in Prudential Financial.

Cash And Equivalents

16.36 Billion

With this module, you can analyze Prudential financials for your investing period. You should be able to track the changes in Prudential Financial individual financial statements over time to develop the understanding of its risk, liquidity, profitability, or other critical and vital indicators.
  
Understanding current and past Prudential Financial Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Prudential Financial's financial statements are interrelated, with each one affecting the others. For example, an increase in Prudential Financial's assets may result in an increase in income on the income statement.
Evaluating Prudential Financial's financials involves analyzing a range of financial metrics and ratios to gain insights into the company's financial health and performance. However, considering all of Prudential Financial's profitability, liquidity ratios, and efficiency indicators at the same time could be an enormous task, and our Financial Distress score can provide you with a snapshot of the Prudential Financial's relative financial performance

Chance Of Distress

Less than 9

 
100  
 
Zero
Low
Prudential Financial has less than 9 (%) percent chance of experiencing financial distress in the next two years of operations. The calculation of odds of distress for Prudential Financial stock is tightly coupled with the Probability of Bankruptcy. It complements the equity performance score by supplying investors with insight into company financials without requiring them to know too much about all of the complex accounting and financial indicators surrounding the entity.
Please note, Prudential Financial's odds of distress score SHOULD NOT be confused with the real chance of Prudential Financial filing for bankruptcy protection for chapters 7, 11, 12, or 13. We define Financial Distress as an operational condition where an entity such as Prudential is having difficulty meeting its current financial obligations towards its creditors or delivering on the expectations of its investors. Macroaxis derives these conditions daily from public financial statements and analysis of stock prices reacting to market conditions or economic downturns, including short-term and long-term historical volatility. Other factors considered include Prudential Financial's liquidity analysis, revenue patterns, R&D expenses, and commitments, as well as public headlines and social sentiment.
More Info
The data published in Prudential Financial's official financial statements usually reflect Prudential Financial's business processes, product offerings, services, and other fundamental events. But there are other numbers, ratios, or fundamental indicators derived from these statements that are easier to understand and visualize within the underlying realities that drive quantitative information of Prudential Financial. For example, before you start analyzing numbers published by Prudential accountants, it's critical to develop an understanding of what Prudential Financial's liquidity, profitability, and earnings quality are in the context of the Insurance space in which it operates.
Please note, the presentation of Prudential Financial's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Prudential Financial's management is honest, while the outside auditors are strict and uncompromising. Whatever the case, the imprecision that can be found in Prudential Financial's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Prudential Financial. Please utilize our Beneish M Score to check the likelihood of Prudential Financial's management manipulating its earnings.

Prudential Financial Company Summary

Prudential Financial competes with CNO Financial, Globe Life, Vericity, National Western, and Abacus Life. Prudential Financial, Inc., together with its subsidiaries, provides insurance, investment management, and other financial products and services in the United States and internationally. Prudential Financial, Inc. was founded in 1875 and is headquartered in Newark, New Jersey. Prudential Financial operates under InsuranceLife classification in the United States and is traded on New York Stock Exchange. It employs 40916 people.
Foreign Associates
Specialization
Financial Services, Insurance - Life
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
CIK Number0001137774
ISINUS7443201022
CUSIP744320102
RegionNorth America
LocationNew Jersey; U.S.A
Business Address751 Broad Street,
SectorInsurance
IndustryFinancials
BenchmarkNYSE Composite
Websitewww.prudential.com
Phone973 802 6000
CurrencyUSD - US Dollar
You should never invest in Prudential Financial without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of Prudential Stock, because this is throwing your money away. Analyzing the key information contained in Prudential Financial's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.

Prudential Financial Key Financial Ratios

Generally speaking, Prudential Financial's financial ratios allow both analysts and investors to convert raw data from Prudential Financial's financial statements into concise, actionable information that can be used to evaluate the performance of Prudential Financial over time and compare it to other companies across industries. There are many critical financial ratios that investors are exposed to on a daily basis, but they are usually grouped into few meaningful categories from each financial statement that Prudential Financial reports annually and quarterly.

Prudential Financial Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets896.6B940.7B937.6B689.9B721.1B663.2B
Other Liab752.8B825.1B831.4B613.6B705.6B740.9B
Retained Earnings33.0B30.7B36.7B33.4B32.4B19.4B
Accounts Payable11.4B12.0B9.5B5.7B15.7B9.1B
Cash16.3B13.7B12.9B17.3B19.4B14.6B
Other Assets72.7B70.5B146.9B270.4B719.7B755.7B
Long Term Debt18.6B19.7B18.9B19.9B20.0B17.7B
Total Liab832.8B872.5B875.0B672.7B691.3B625.0B
Other Current Liab(1.9B)(925M)(722M)4.2B100M95M
Net Debt5.5B7.2B6.7B3.8B1.5B1.4B
Total Current Assets412.9B434.4B391.9B6.1B971M922.5M
Short Term Debt1.9B925M722M775M873M829.4M
Other Current Assets38.1B37.1B30.9B(15.7B)28.7B30.1B
Treasury Stock(19.5B)(19.7B)(21.8B)(23.1B)(20.8B)(19.7B)
Intangible Assets1.1B1.1B771M595M1.0B1.6B
Net Tangible Assets63.1B67.4B61.9B16.3B18.7B17.8B
Long Term Debt Total18.6B19.7B18.6B19.9B17.9B16.1B
Capital Surpluse25.5B25.6B25.7B25.7B29.6B27.4B

Prudential Financial Key Income Statement Accounts

An income statement is very similar to a cash flow statement, but instead of showing net revenue minus expenses, it only includes earnings before interest and taxes (EBIT). This number does not have all of the same line items that are on a cash flow statement, but it leaves out non-cash expenses like depreciation and amortization. For example, if you bought $100 worth of goods from Walmart (WMT) using your debit card that has an interest rate of 20%, then paid off the balance at the end of the month with a credit card that charges 30% interest, you would have an income statement showing EBIT of $80 because your expenses are lower than the amount that went into your pocket. The other reason investors look at the income statement is to determine what Prudential Financial's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201920202021202220232024 (projected)
Interest Expense1.5B1.6B1.5B1.6B1.8B891M
Total Revenue57.2B49.8B61.4B60.1B54.3B49.9B
Gross Profit57.2B49.8B61.4B60.1B54.3B48.6B
Operating Income1.9B(2.4B)6.4B(1.1B)(116M)(110.2M)
Income Before Tax5.1B(323M)9.4B(1.8B)3.1B3.2B
Net Income4.2B(242M)8.9B(1.4B)2.5B2.8B
Income Tax Expense947M(81M)1.7B(370M)613M580.3M
Ebit1.9B(2.4B)6.4B(1.1B)(46M)(43.7M)
Ebitda2.3B(1.9B)6.7B(944M)(116M)(110.2M)
Minority Interest52M228M(70M)(24M)(20M)(19M)
Tax Provision947M(81M)1.7B(370M)613M495.5M
Net Interest Income(1.5B)(1.6B)(1.5B)(1.6B)(1.4B)(1.5B)

Prudential Financial Key Cash Accounts

Cash flow analysis captures how much money flows into and out of Prudential Financial. It measures of how well Prudential is doing because it can show the actual money that comes into and out of the Company from sales instead of measuring expenses against revenue to determine earnings. You have to read the cash flow statement in three sections. The first section shows how much money Prudential Financial brought in, usually known as net revenue or sales. This is different from earnings because it does not include expenses when determining net revenue for use on this part of the cash flow statement. Next, are operating activities, which show how much money Prudential had leftover after paying for its expenses. This number can be calculated in two ways: by subtracting the total of all operating expenses from net revenue or by adding up changes to cash and other assets or liabilities on this part of the statement. The third section is about investing activities, which shows what Prudential Financial has done with the money that it received from the sale of assets or what it spent to acquire new ones. This section can be broken down into two parts: investing in existing businesses (in other words, buying more stock) and investing in non-business activities like paying off debt or making acquisitions.
201920202021202220232024 (projected)
Net Income4.2B(146M)7.8B(1.5B)2.5B2.8B
End Period Cash Flow16.5B13.9B12.9B17.3B19.5B14.7B
Change To Netincome459M(3.9B)(3.0B)4.3B3.8B4.0B
Change In Cash979M(2.6B)(921M)4.4B2.2B2.3B
Free Cash Flow15.8B8.3B10.5B5.2B6.5B9.9B
Depreciation460M457M204M124M(70M)(66.5M)
Other Non Cash Items(166M)1.8B5.0B(1.5B)5.2B5.3B
Dividends Paid1.6B1.8B1.8B1.8B(1.8B)(1.8B)
Investments(17.3B)(15.7B)(2.3B)(7.6B)(12.1B)(12.7B)
Net Borrowings1.4B249M(1.1B)1.3B1.2B1.2B

Prudential Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Prudential Financial's current stock value. Our valuation model uses many indicators to compare Prudential Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Prudential Financial competition to find correlations between indicators driving Prudential Financial's intrinsic value. More Info.
Prudential Financial is regarded fifth in short ratio category among related companies. It is considered to be number one stock in net income category among related companies making up about  806,430,868  of Net Income per Short Ratio. At this time, Prudential Financial's Net Income is comparatively stable compared to the past year.. Comparative valuation analysis is a catch-all model that can be used if you cannot value Prudential Financial by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for Prudential Financial's Stock . Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Prudential Financial's earnings, one of the primary drivers of an investment's value.

Prudential Financial Systematic Risk

Prudential Financial's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Prudential Financial volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was three with a total number of output elements of fifty-eight. The Beta measures systematic risk based on how returns on Prudential Financial correlated with the market. If Beta is less than 0 Prudential Financial generally moves in the opposite direction as compared to the market. If Prudential Financial Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Prudential Financial is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Prudential Financial is generally in the same direction as the market. If Beta > 1 Prudential Financial moves generally in the same direction as, but more than the movement of the benchmark.

About Prudential Financial Financials

What exactly are Prudential Financial Financials? Typically, a company's financial statements are the reports that show the financial position of the company. Three primary documents fall into the category of financial statements. These documents include Prudential Financial's income statement, its balance sheet, and the statement of cash flows. Potential Prudential Financial investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although Prudential Financial investors may use each financial statement separately, they are all related. The changes in Prudential Financial's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Prudential Financial's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.

Steps to analyze Prudential Financial Financials for Investing

There are several different ways that investors can use financial statements to try and predict whether a stock price will go up or down. Unfortunately, there is no surefire formula, but there are some general guidelines you should consider when looking at the numbers. First, realize what kind of company it is so you know if its revenues are more likely to grow or shrink over time. For example, a software company's revenue is expected to increase yearly due to new products and services that its customers will want to buy. At the same time, a car manufacturer might not be able to sell as many cars when the economy slows down, so it would have less net income during those times. Second, pay attention to its debt-to-equity ratio because this number will tell you how much risk it has. If a company such as Prudential Financial is not taking on any additional risks, its debt-to-equity should be less than one. As a general rule of thumb, if the market value or book value (which can be found in the footnotes) of assets exceeds the company's liabilities, then it is probably in good shape. Finally, use other financial statements to determine if a stock price will go up or down because investors are always looking for growth opportunities when they buy new stocks. For example, if you see that the net revenue of Prudential has grown by more than 25% over the last five years, then there is a good chance that it will continue growing by at least 20% or more each year. On the other hand, if you see that net revenue has only increased by about 15%, which is barely above inflation levels, then chances are it will not grow much faster than this over time, and investors may shy away from buying it.
In summary, you can determine if Prudential Financial's financials are consistent with your investment objective using the following steps:
  • Review Prudential Financial's balance sheet accounts, such as liabilities and equity, to understand its overall financial position.
  • Analyze the income statement and examine the company's revenue, expenses, and profits over time to determine its financial performance.
  • Study the cash flow inflows and outflows to understand Prudential Financial's liquidity and solvency.
  • Look at the growth rates in revenue, earnings, and cash flow over time to determine its potential for future growth.
  • Compare Prudential Financial's financials to those of its peers to see how it stacks up and identify any potential red flags.
  • Use valuation ratios to evaluate the company's financials using commonly used ratios such as the price-to-earnings (P/E) ratio, price-to-sales (P/S) ratio, and enterprise value-to-earnings before interest, taxes, depreciation, and amortization (EV/EBITDA) ratio to determine if Prudential Financial's stock is overvalued or undervalued.
Remember, these are just guidelines and should not be the only basis for investment decisions. It is always important to analyze the leading stock market indicators., conduct additional research and seek professional advice if needed.

Prudential Financial Thematic Clasifications

Prudential Financial is part of FinTech investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. A collection of large financial service, investment, and banking companies. High long term potential financial entities that are ranging from payment processing, investment management to commercial and investment banking
FinTechView
This theme covers A collection of large financial service, investment, and banking companies. High long term potential financial entities that are ranging from payment processing, investment management to commercial and investment banking. Get More Thematic Ideas
Today, most investors in Prudential Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Prudential Financial's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Prudential Financial growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.0516)

At this time, Prudential Financial's Price Earnings To Growth Ratio is comparatively stable compared to the past year.

Prudential Financial March 28, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Prudential Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Prudential Financial. We use our internally-developed statistical techniques to arrive at the intrinsic value of Prudential Financial based on widely used predictive technical indicators. In general, we focus on analyzing Prudential Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Prudential Financial's daily price indicators and compare them against related drivers.
When determining whether Prudential Financial is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if Prudential Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Prudential Financial Stock. Highlighted below are key reports to facilitate an investment decision about Prudential Financial Stock:
Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Prudential Financial. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in metropolitan statistical area.
For more information on how to buy Prudential Stock please use our How to Invest in Prudential Financial guide.
You can also try the Idea Analyzer module to analyze all characteristics, volatility and risk-adjusted return of Macroaxis ideas.

Complementary Tools for Prudential Stock analysis

When running Prudential Financial's price analysis, check to measure Prudential Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Prudential Financial is operating at the current time. Most of Prudential Financial's value examination focuses on studying past and present price action to predict the probability of Prudential Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Prudential Financial's price. Additionally, you may evaluate how the addition of Prudential Financial to your portfolios can decrease your overall portfolio volatility.
Portfolio Volatility
Check portfolio volatility and analyze historical return density to properly model market risk
Latest Portfolios
Quick portfolio dashboard that showcases your latest portfolios
Pattern Recognition
Use different Pattern Recognition models to time the market across multiple global exchanges
Share Portfolio
Track or share privately all of your investments from the convenience of any device
Portfolio Suggestion
Get suggestions outside of your existing asset allocation including your own model portfolios
USA ETFs
Find actively traded Exchange Traded Funds (ETF) in USA
Content Syndication
Quickly integrate customizable finance content to your own investment portal
Sectors
List of equity sectors categorizing publicly traded companies based on their primary business activities
Portfolio Diagnostics
Use generated alerts and portfolio events aggregator to diagnose current holdings
Technical Analysis
Check basic technical indicators and analysis based on most latest market data
Volatility Analysis
Get historical volatility and risk analysis based on latest market data
Portfolio Optimization
Compute new portfolio that will generate highest expected return given your specified tolerance for risk
Is Prudential Financial's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Prudential Financial. If investors know Prudential will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Prudential Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.527
Dividend Share
5
Earnings Share
6.74
Revenue Per Share
148.498
Quarterly Revenue Growth
0.561
The market value of Prudential Financial is measured differently than its book value, which is the value of Prudential that is recorded on the company's balance sheet. Investors also form their own opinion of Prudential Financial's value that differs from its market value or its book value, called intrinsic value, which is Prudential Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Prudential Financial's market value can be influenced by many factors that don't directly affect Prudential Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Prudential Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Prudential Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Prudential Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.