Prudential Public Limited Company Common Stock (PUK)

FairStock Score: 60/100 — STEADY

Key Financials

AI Analysis

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

I look at Prudential as an Asia- and Africa-focused life and health insurer. Because it is a financial company, I set aside free cash flow, EV/EBITDA, Altman Z and the Graham Number; they do not apply. I judge it on returns, price-to-book, leverage, earnings consistency and underwriting risk. The provided data show a FairStock-calculated P/E of 8.39 and an EPS figure of $2.84 at the 2026-10-13 close of $23.83. That is a low earnings multiple, and the 2.13% dividend yield plus a beta of 0.89 suggest a modestly defensive profile. But the P/B of 6.05 is demanding: I am paying six times accounting book for an 18.74% ROE. A high ROE can justify a high P/B, but only if it is durable and not leveraged. D/E of 0.29 is not alarming, though insurers carry obligations not fully captured by that ratio. ROCE of 1.60% is low, and the Piotroski F-Score of 2/9 warns of weak financial-signal confirmation. The FairStock Score of 54/100 likewise says middling. The Lynch category is none because only zero years of filed results are available and three are needed; revenue and profit growth are not provided. CET1, NIM and combined ratio are also absent, so I cannot verify capital adequacy, spread income or underwriting profitability. Price is near the 52-week low ($23.31 versus $34.03 high), which may reflect pessimism. Still, with no multi-year filed record, I cannot call the moat proven. This is a watchlist name: statistically cheap on earnings, expensive on book, and dependent on sustainable Asian insurance returns.

In plain English: Prudential sells life and health insurance and savings products, mainly in Asia and Africa. The company earns a good return on shareholders' money, but its shares are priced high compared with its accounting net worth and it has very little filed financial history in this data set. At the 2026-10-13 close of $23.83, the price looks cheap against earnings but rich against net worth, so it screens as a mixed value candidate rather than an obvious bargain.

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

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