Prudential Financial Inc (PRU) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Prudential Financial Inc stock (PRU) is currently trading at $95.26. Prudential Financial Inc PE ratio is 9.49. Prudential Financial Inc PS ratio (Price-to-Sales) is 0.54. Analyst consensus price target for PRU is $110.07. WallStSmart rates PRU as Buy.
- PRU PE ratio analysis and historical PE chart
- PRU PS ratio (Price-to-Sales) history and trend
- PRU intrinsic value — DCF, Graham Number, EPV models
- PRU stock price prediction 2025 2026 2027 2028 2029 2030
- PRU fair value vs current price
- PRU insider transactions and insider buying
- Is PRU undervalued or overvalued?
- Prudential Financial Inc financial analysis — revenue, earnings, cash flow
- PRU Piotroski F-Score and Altman Z-Score
- PRU analyst price target and Smart Rating
Prudential Financial Inc
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PRU Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Prudential Financial Inc (PRU)
PRU trades at a significant discount to its Graham intrinsic value of $467.53, offering a 77% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Prudential Financial Inc (PRU) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, peg ratio, price/sales. Overall metrics suggest strong investment potential with favorable risk/reward.
Prudential Financial Inc (PRU) Key Strengths (7)
Growing significantly faster than its price suggests
Paying less than $1 for every $1 of annual revenue
Trading below book value, meaning the market prices it less than net assets
Revenue surging 31.20% year-over-year
Earnings per share surging 223.40% year-over-year
Large-cap company with substantial market presence
63.07% held by institutions, strong professional interest
Supporting Valuation Data
Prudential Financial Inc (PRU) Areas to Watch (3)
Thin operating margins with cost pressures present
Thin profit margins with limited profitability
Moderate profitability with room for improvement
Prudential Financial Inc (PRU) Detailed Analysis Report
Overall Assessment
This company scores 81/100 in our Smart Analysis, earning a A- grade. Out of 10 metrics analyzed, 7 register as strengths (avg 9.6/10) while 3 fall into concern territory (avg 4.3/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on PEG Ratio, Price/Sales, Price/Book. Valuation metrics including PEG Ratio (0.59), Price/Sales (0.54), Price/Book (1.00) suggest the stock is attractively priced. Growth metrics are encouraging with Revenue Growth at 31.20%, EPS Growth at 223.40%.
The Bear Case
The primary concerns are Operating Margin, Profit Margin, Return on Equity. Profitability pressure is visible in Return on Equity at 11.40%, Operating Margin at 10.40%, Profit Margin at 5.84%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Operating Margin improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 11.40% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 31.20% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of PEG Ratio and Price/Sales makes a compelling case at current levels. The key risk is Operating Margin, but the overall fundamental picture is positive with a clear path to maintaining or improving the current A- grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
PRU Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
PRU's Price-to-Sales ratio of 0.54x trades 25% below its historical average of 0.72x (25th percentile). The current valuation is 63% below its historical high of 1.45x set in May 2007, and 125% above its historical low of 0.24x in Feb 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for Prudential Financial Inc (PRU) · FINANCIAL SERVICES › INSURANCE - LIFE
The Big Picture
Prudential Financial Inc is in a high-growth phase, prioritizing rapid expansion over margins. Revenue reached 61.2B with 31% growth year-over-year. Profit margins are thin at 5.8%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
Revenue growing at 31% YoY, reaching 61.2B. This pace significantly outperforms most INSURANCE - LIFE peers.
ROE of 1140.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Margin expansion: can Prudential Financial Inc push profit margins above 15% as the business scales?
Growth sustainability: can Prudential Financial Inc maintain 31%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 5.7%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor INSURANCE - LIFE industry trends, competitive moves, and regulatory changes that could impact Prudential Financial Inc.
Bottom Line
Prudential Financial Inc is a high-conviction growth story with revenue accelerating at 31% while profitability is still developing. For growth-oriented investors, the trajectory is compelling. For value investors, the thin 5.8% margins and premium valuation suggest patience until the unit economics mature further.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(156 last 3 months)
| Insider | Type | Shares |
|---|---|---|
SULLIVAN, ANDREW F Chief Executive Officer | Buy | +2,329 |
| Insider | Type | Shares |
|---|---|---|
STODDARD, THOMAS D Director | Buy | +250 |
| Insider | Type | Shares |
|---|---|---|
WOLK, JOSEPH J Director | Buy | +400 |
| Insider | Type | Shares |
|---|---|---|
CHAPPUIS, JACQUES Executive Vice President | Buy | +1,000 |
| Insider | Type | Shares |
|---|---|---|
PRUDENTIAL, INSURANCE CO OF AMERICA 10% Owner | Buy | +1,406,738.649 |
Data sourced from SEC Form 4 filings
Last updated: 8:22:21 AM
About Prudential Financial Inc(PRU)
NYSE
FINANCIAL SERVICES
INSURANCE - LIFE
USA
Prudential Financial, Inc. is an American company whose subsidiaries provide insurance, investment management, and other financial products and services to both retail and institutional customers throughout the United States and in over 40 other countries.