8-K Announcements
6Material company update
May 5, 2026·SEC
Material company update
Apr 21, 2026·SEC
Material company update
Apr 14, 2026·SEC
Prudential Financial, Inc. 5.95(PRH)Earnings, Financials & Key Ratios
PRH•NYSE•Insurance & Managed Care
$22.37
2.2× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryLife InsuranceSub-IndustryDiversified global life and asset managers
AboutPrudential Financial, Inc. engages in the provision of insurance, investment management, and other financial products and services to both individual and institutional customers. It operates through the following segments: PGIM, U.S. Businesses, International Businesses, Closed Block, and Corporate and Others. The PGIM segment provides investment management services and solutions related to public fixed income, public equity, real estate debt and equity, private credit and other alternatives, and multi-asset class strategies, to institutional and retail clients globally, as well as the Company’s general account. The U.S. Businesses segment offers a range of products and solutions that cover protection, retirement, savings, income and investment needs. The U.S. Businesses are organized into five segments: Retirement, Group Insurance, Individual Annuities, Individual Life and Assurance IQ. The Retirement segment provides retirement investment and income products and services to retirement plan sponsors in the public, private, and not-for-profit sectors. The Group Insurance segment provides group life, long-term and short-term group disability, and group corporate bank, and trust-owned life insurance in the U.S., primarily to institutional clients for use in connection with employee plans and affinity groups. The Individual Annuities segment develops and distributes individual variable and fixed annuity products, primarily to the U.S. mass affluent and affluent markets. The Individual Life segment develops and distributes individual variable life, term life and universal life insurance products primarily to the U.S. mass middle, mass affluent and affluent markets. The Assurance IQ segment leverages data science and technology to primarily distribute third-party products and a proprietary term life product directly to retail shoppers, primarily through its digital and agent channels. The International Businesses segment develops and distributes life insurance, retirement, and related products to the mass affluent and affluent markets in Japan, Korea, and other foreign countries through its Life Planner operations. The Closed Block segment includes certain in force participating insurance and annuity products and corresponding assets that are used for the payment of benefits, expenses and policyholders’ dividends related to these products. The Corporate and Other Operations segment include corporate items and initiatives that are not allocated to business segments. The company was founded by John Fairfield Dryden in 1875 and is headquartered in Newark, NJ.Show more
- Revenue$60.77B-13.7%
- Combined Ratio92.13%+386.2%
- Net Income$3.58B+31.1%
- Return on Equity10.88%+19.6%
- Medical Cost Ratio57.96%
- Operating Margin7.87%-90.3%
- Net Margin5.88%+51.9%
- ROA0.47%+26.6%
- Equity / Assets4.6%+12.3%
PRH Price & Volume
Prudential Financial, Inc. 5.95 (PRH) stock price & volume — 10-year historical chart
Loading chart...
Market Volatility Masks Underlying Insurance Earnings Sensitivity
Investment Thesis • Updated 2026Q1
VerdictNeutral: While the stock trades at a low P/B of 0.22 and offers a 24.5% dividend yield
Growth:Mixed
Profitability:Moderate
Financial:Adequate
Cash Flow:Mixed
Primary Risk:Commercial Real Estate Exposure
Key Thesis Takeaways
- Prudential Financial faces a complex outlook where headline earnings are heavily distorted by market-driven investment gains rather than consistent premium growth, as evidenced by revenue swings ranging from a 133.4% surge to a 42.7% contraction.
- While the firm maintains a commitment to shareholder returns, the disconnect between net income and operating cash flow—highlighted by an OCF/NI ratio of -40.74 in 2024Q4—suggests significant earnings quality concerns.
- Investors should remain cautious regarding the company's exposure to commercial real estate and the potential for future impairments to weigh on the $2.6 billion equity base.
Verdict Logic
the extreme volatility in operating cash flow and the potential for credit migration in the investment portfolio warrant a wait-and-see approach.
PRH Growth Metrics
Prudential Financial, Inc. 5.95 (PRH) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years0.62%
5 Years1.26%
3 Years3.65%
TTM4.08%
Profit CAGR
10 Years-4.46%
5 Years-
3 Years-
TTM50.96%
EPS CAGR
10 Years-2.02%
5 Years-
3 Years-
TTM54.27%
Return on Capital
10 Years2.89%
5 Years3.12%
3 Years4.86%
Last Year0.64%
PRH Recent Earnings
Prudential Financial, Inc. 5.95 (PRH) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 1/8 qtrs (20%)●Beat Revenue 3/8 qtrs (60%)
Q2 2026Latest
May 5, 2026Metric
Actual
Est
EPS
$1.72-48.8%
$3.36
Rev
$15.5B+6.0%
$14.6B
Q1 2026
Feb 3, 2026Metric
Actual
Est
EPS
$3.30-2.1%
$3.37
Rev
$14.5B-1.0%
$14.7B
Q4 2025
Oct 29, 2025Metric
Actual
Est
EPS
$4.05+8.9%
$3.72
Rev
$16.0B+13.1%
$14.1B
Q3 2025
Jul 30, 2025Metric
Actual
Est
EPS
$1.50-53.4%
$3.22
Rev
$13.7B+1.6%
$13.5B
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 5, 2026 | $1.72vs $3.36-48.8% | $15.5Bvs $14.6B+6.0% |
| Q1 2026 | Feb 3, 2026 | $3.30vs $3.37-2.1% | $14.5Bvs $14.7B-1.0% |
| Q4 2025 | Oct 29, 2025 | $4.05vs $3.72+8.9% | $16.0Bvs $14.1B+13.1% |
| Q3 2025 | Jul 30, 2025 | $1.50vs $3.22-53.4% | $13.7Bvs $13.5B+1.6% |
Based on last 8 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Prudential Financial, Inc. 5.95 (PRH)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $22.37 | $7.78B | 2.24 | -13.68% | 5.88% | 10.88% | 24.34% | |
| $91.67 | $59.77B | 19.10 | 10.22% | 4.7% | 12.72% | — | |
| $115.47 | $40.16B | 11.30 | -14.01% | 5.62% | 10.26% | — | |
| $39.19 | $7.49B | 6.71 | 1.24% | 9.14% | 16.79% | — | |
| $121.49 | $61.84B | 17.79 | -8.84% | 25.44% | 16.08% | — | |
| $89.20 | $14.41B | 20.84 | 2.07% | 5.87% | 7.07% | — |
Compare PRH vs Peers
Prudential Financial, Inc. 5.95 (PRH) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
PRH SEC Filings & Documents
Prudential Financial, Inc. 5.95 (PRH) SEC filings — annual & quarterly reports (10-K, 10-Q)
Get notified when PRH posts new earnings or crosses analyst targets
Free. No account needed. Unsubscribe any time.
PRH Frequently Asked Questions
Prudential Financial, Inc. 5.95 (PRH) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Prudential Financial, Inc. 5.95 growing?
Prudential Financial, Inc. 5.95 (PRH) saw revenue decline by 13.7% over the past year.
Is PRH profitable?
Yes, Prudential Financial, Inc. 5.95 (PRH) is profitable, generating $3.47B in net income for fiscal year 2025 (5.9% net margin).
Dividend & Returns
Does PRH pay dividends?
Yes, Prudential Financial, Inc. 5.95 (PRH) pays a dividend with a yield of 24.34%. This makes it attractive for income-focused investors.
What is PRH's return on equity?
Prudential Financial, Inc. 5.95 (PRH) has a return on equity (ROE) of 10.9%. This is reasonable for most industries.
Industry Metrics
What is Prudential Financial, Inc. 5.95's combined ratio?
Prudential Financial, Inc. 5.95 (PRH) has a combined ratio of 92.1%. A ratio below 100% indicates underwriting profitability.