PRU- Prudential Financial, Inc.
Financial Services · Insurance - Life
Price & Performance
Performance
Analysis & Verdict
Analyst Ratings
Wall Street consensus from 15 analysts
12-Month Price Target
$113.40
Based on analyst estimates; price targets are opinions, not guarantees.
Fair Value Estimates
Current price: $119.24
Graham Number
√(22.5 × EPS × Book Value)
$150.67
Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.
Bazin Ceiling Price
Avg. Annual DPS (5Y) ÷ 6%
$83.33
Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.
These are simplified estimates. Not financial advice.
Buy & Hold Checklist
Quality criteria for long-term holding
8/10
80% score
Pays dividends
15Y hist.15+ years of dividend history
Dividend consistency (5Y+)
15 yrsUninterrupted dividend payments for at least 5 years
ROE above 10%
12.0%Return on equity - measures how efficiently capital is used
Positive profit margin
6.0%Net profit margin must be positive - company earns more than it spends
Revenue growth (annual)
+14.1%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
+89.2%Annual earnings must be growing compared to the prior year
Debt/Equity below 2×
163.89×Low financial leverage reduces risk of distress
Current ratio above 1
0.78×Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$216M/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
4.73%Stock must distribute income to shareholders
Financials
Revenue & Results
Key Statistics
Earnings
Next Earnings
Oct 28, 2026
46
days
EPS (TTM)
$11.03
P/E (TTM)
10.8
Fwd P/E
8.0
SEC Filings & Reported Financials
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Insider Transactions
SEC Form 4 · officers, directors & 10% owners
Dividends & Income
Dividends
Current DY
4.73%
5Y Avg Annual
$4.9200
Last Payment
$1.4000
Ex-Date
08/25/2026
Annual dividends paid per share
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest08/25/2026 | 09/10/2026 | $1.4000 | 4.70% |
05/26/2026 | 06/11/2026 | $1.4000 | 4.70% |
02/17/2026 | 03/05/2026 | $1.4000 | 4.70% |
11/18/2025 | 12/04/2025 | $1.3500 | 4.53% |
08/19/2025 | 09/04/2025 | $1.3500 | 4.53% |
05/20/2025 | 06/05/2025 | $1.3500 | 4.53% |
02/18/2025 | 03/06/2025 | $1.3500 | 4.53% |
11/19/2024 | 12/05/2024 | $1.3000 | 4.36% |
Magic Number
Shares needed to self-fund your next purchase
$119.24
Price
$1.4000
Last div. (quarterly)
86
shares
Own 86 PRU shares ($10,254.64) and each quarterly dividend pays for 1 new share - the snowball runs on its own.
Investment target
$10,254.64
New shares / year
+4 shares
Dividend Calculator
4.70% yieldEstimate PRU dividend income at the current rate.
Per year
$469.64
Per month
$39.14
≈ 83.9 shares at $5.6/share a year. Estimate only - dividends can be cut or raised.
Tools & Simulators
PRU vs Peers, Indexes & Commodities
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Parameters
Final value
$426,404.61
Total invested
$130,000.00
Total interest
$296,404.61
Balance over time
Period breakdown
| Period | Balance | Invested | Interest |
|---|---|---|---|
| Start | $10,000.00 | $10,000.00 | $0.00 |
| Year 1 | $17,270.27 | $16,000.00 | $1,270.27 |
| Year 2 | $25,267.56 | $22,000.00 | $3,267.56 |
| Year 3 | $34,064.59 | $28,000.00 | $6,064.59 |
| Year 4 | $43,741.32 | $34,000.00 | $9,741.32 |
| Year 5 | $54,385.72 | $40,000.00 | $14,385.72 |
| Year 6 | $66,094.55 | $46,000.00 | $20,094.55 |
| Year 7 | $78,974.28 | $52,000.00 | $26,974.28 |
| Year 8 | $93,141.97 | $58,000.00 | $35,141.97 |
| Year 9 | $108,726.44 | $64,000.00 | $44,726.44 |
| Year 10 | $125,869.35 | $70,000.00 | $55,869.35 |
| Year 11 | $144,726.56 | $76,000.00 | $68,726.56 |
| Year 12 | $165,469.48 | $82,000.00 | $83,469.48 |
| Year 13 | $188,286.70 | $88,000.00 | $100,286.70 |
| Year 14 | $213,385.63 | $94,000.00 | $119,385.63 |
| Year 15 | $240,994.47 | $100,000.00 | $140,994.47 |
| Year 16 | $271,364.18 | $106,000.00 | $165,364.18 |
| Year 17 | $304,770.87 | $112,000.00 | $192,770.87 |
| Year 18 | $341,518.22 | $118,000.00 | $223,518.22 |
| Year 19 | $381,940.31 | $124,000.00 | $257,940.31 |
| Year 20 | $426,404.61 | $130,000.00 | $296,404.61 |
What is compound interest?
Compound interest means that the interest you earn in one period is added to your principal, so in the next period you earn interest on a larger base. This creates exponential growth: the longer your time horizon, the more dramatic the effect.
Which rate should I use?
The S&P 500 has historically returned ~10%/year before inflation over long periods - use this for an all-equity US index fund scenario. A balanced growth portfolio (stocks + bonds) is closer to 7%. High-yield savings accounts (HYSA) are currently paying around 4-5% with FDIC insurance and zero market risk. Bonds historically return ~4% annualized.
Formula used
FV = PV × (1+r)^n + PMT × ((1+r)^n − 1) / rwhere r is the monthly rate, n is the number of months, PV is the initial investment, and PMT is the monthly contribution. Annual rates are converted to monthly viar = (1 + annual%)^(1/12) − 1.
For educational purposes only. Not financial advice. Past returns do not guarantee future results.
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About Prudential Financial, Inc.
Prudential Financial, Inc., together with its subsidiaries, provides financial products and services in the United States, Japan and internationally. It operates through PGIM, Retirement Strategies, Group Insurance, Individual Life, and International Businesses segments. The PGIM segment offers 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, as well as its insurance and retirement businesses. The Retirement Strategies segment provides a range of retirement investment, and income products and services to retirement plan sponsors in the public, private, and not-for-profit sectors; group annuities and other products; international reinsurance; investment only products; and FlexGuard suite, Fixed annuities, and variable annuities, as well as develops and distributes individual variable and fixed annuity products. The Group Insurance segment offers various group life, and long-term and short-term group disability, as well as group corporate-, bank-, and trust-owned life insurance; and supplemental health solutions including accident, critical illness, and hospital indemnity. The Individual Life segment develops and distributes variable life, universal life, and term life insurance products. The International Businesses segment develops and distributes life insurance, retirement products, investment products, and certain accident and health products. The company provides its products and services to individual and institutional customers through its proprietary and third-party distribution networks, financial professionals, and trusted partnerships. Prudential Financial, Inc. was founded in 1875 and is headquartered in Newark, New Jersey.
Sector
Financial Services
Industry
Insurance - Life
Location
Newark, United States
Employees
36,607
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Prudential Financial, Inc. (PRU) stock trades at $119.24, up 0.64% on the day. With a market capitalization of $41.14 billion, PRU is a large-cap financial services stock. It trades at a price-to-earnings (P/E) ratio of 10.8, a forward P/E of 8.0 and earnings per share (EPS) of $11.03. Over the most recent period the company reported 14% year-over-year revenue growth and a net profit margin of 6.0%. Below you'll find PRU's full fundamentals, fair-value estimates, dividend history, earnings and our buy, hold or avoid verdict for 2026.
PRU - Frequently Asked Questions
Is Prudential Financial, Inc. (PRU) a good stock to buy in 2026?
Prudential Financial, Inc. (PRU) shows strengths such as revenue growth of 14%, while risks include high leverage (debt/equity of 163.9). Whether PRU is a good buy in 2026 depends on your time horizon and risk tolerance - review the full bull case, bear case and fair-value estimates above. This is informational analysis, not financial advice.
What is PRU's stock price today?
Prudential Financial, Inc. (PRU) trades at $119.24, up 0.64% on the session. Prices on this page update throughout the trading day.
Does PRU pay a dividend?
Yes. Prudential Financial, Inc. pays an annual dividend of $5.60 per share, a dividend yield of 4.73%. The most recent ex-dividend date was August 25, 2026. Its payout ratio is about 50% of earnings.
Is PRU overvalued?
With a P/E ratio of 10.8×, PRU trades at a relatively modest valuation for the financial services sector. Its PEG ratio is 0.68 (below 1, which can signal growth at a reasonable price). See the Fair Value Estimates section above for Graham Number and dividend-based price targets.
What is PRU's market cap?
Prudential Financial, Inc. (PRU) has a market capitalization of $41.14 billion, classifying it as a large-cap stock in the Financial Services sector.
Disclaimer: This page - including any buy/hold/avoid view, fair value or price estimate - is generated from market data for informational and educational purposes only and does not constitute financial, investment or trading advice. Data may be delayed or inaccurate. Always do your own research and consult a licensed financial advisor before making any investment decision.