Prudential Financial, Inc. (PRU)

FairStock Score: 60/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at Prudential as a large, established life insurer and asset manager. It sells retirement, group insurance, individual life and international products, with PGIM managing assets. The filed record shows fiscal Q2 2026, the quarter ended 2026-06-30, with revenue of $15.7B, net income of $985.0M and diluted EPS of $2.80. A year earlier, fiscal Q2 2025, the quarter ended 2025-06-30, had revenue of $13.7B, net income of $533.0M and diluted EPS of $1.48. Full-year fiscal 2025 produced $60.8B of revenue, $3.6B of net income and $9.99 of diluted EPS, up from fiscal 2024's $70.4B of revenue, $2.7B of net income and $7.50 of diluted EPS, though revenue fell. FairStock's computed Lynch category is TURNAROUND because it returned to profit after a loss within the last three years. The moat is modest: scale, distribution and regulatory licenses, but insurance is competitive and exposed to credit, rates and longevity. At the 2026-10-13 close of $113.41, FairStock calculates a P/E of 10.28, P/B of 1.24, ROE of 12.01%, ROCE of 0.43%, D/E of 1.64, dividend yield of 4.73%, beta of 0.82 and Piotroski F-Score of 5/9. That price looks modestly cheap for an average-quality insurer, not a bargain. I would want CET1, NIM and combined ratio, none supplied. I would watch book value, underwriting, reserve development and investment losses.

In plain English: Prudential Financial sells life insurance, retirement products and investment management in the U.S., Japan and other countries. The business is profitable, and its latest quarter showed more revenue and profit than the same quarter a year earlier, but insurance results can swing with markets and claims. At $113.41, the price looks somewhat low compared with what the company earns, though not a steal.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer