Prudential Financial Inc
PRU
Life Insurance
Mkt Cap
$42.24BPE
19.76Debt
$31.54BCash
$18.76BEV
$55.02BFCF
-P/E Ratio
19.76Debt
$31.54BCash
$18.76BEV
$55.02BFCF
-Charts data: {"Earnings":[{"time":"2014-12-30","value":1381000000},{"time":"2015-12-30","value":5587000000},{"time":"2016-12-30","value":4318000000},{"time":"2017-12-30","value":7768000000},{"time":"2018-12-30","value":4026000000},{"time":"2019-12-30","value":4140000000},{"time":"2020-12-30","value":-395000000},{"time":"2021-12-30","value":7609000000},{"time":"2022-12-30","value":-1463000000},{"time":"2023-12-30","value":2459000000}],"Sales":[{"time":"2014-12-30","value":54105000000},{"time":"2015-12-30","value":57119000000},{"time":"2016-12-30","value":58779000000},{"time":"2017-12-30","value":59689000000},{"time":"2018-12-30","value":62992000000},{"time":"2019-12-30","value":64807000000},{"time":"2020-12-30","value":57033000000},{"time":"2021-12-30","value":70934000000},{"time":"2022-12-30","value":60050000000},{"time":"2023-12-30","value":53979000000}],"Net Margins":[{"time":"2014-12-30","value":0.025524443212272433},{"time":"2015-12-30","value":0.09781333706822598},{"time":"2016-12-30","value":0.0734616104391024},{"time":"2017-12-30","value":0.13014123205280706},{"time":"2018-12-30","value":0.06391287782575565},{"time":"2019-12-30","value":0.06388198805684571},{"time":"2020-12-30","value":-0.006925814879105079},{"time":"2021-12-30","value":0.10726872867736205},{"time":"2022-12-30","value":-0.024363030807660283},{"time":"2023-12-30","value":0.04555475277422701}],"Assets":[{"time":"2014-12-30","value":766655000000},{"time":"2015-12-30","value":757388000000},{"time":"2016-12-30","value":783962000000},{"time":"2017-12-30","value":831921000000},{"time":"2018-12-30","value":815078000000},{"time":"2019-12-30","value":896552000000},{"time":"2020-12-30","value":940722000000},{"time":"2021-12-30","value":937582000000},{"time":"2022-12-30","value":689917000000},{"time":"2023-12-30","value":721123000000}],"Stockholders Equity":[{"time":"2014-12-30","value":42349000000},{"time":"2015-12-30","value":41923000000},{"time":"2016-12-30","value":46088000000},{"time":"2017-12-30","value":54344000000},{"time":"2018-12-30","value":49031000000},{"time":"2019-12-30","value":63719000000},{"time":"2020-12-30","value":68210000000},{"time":"2021-12-30","value":62608000000},{"time":"2022-12-30","value":17208000000},{"time":"2023-12-30","value":29263000000}],"ROE":[{"time":"2014-12-30","value":0.03260997898415547},{"time":"2015-12-30","value":0.1332681344369439},{"time":"2016-12-30","value":0.09369033153966325},{"time":"2017-12-30","value":0.14294126306491978},{"time":"2018-12-30","value":0.08211131732985254},{"time":"2019-12-30","value":0.06497277107299236},{"time":"2020-12-30","value":-0.005790939744905439},{"time":"2021-12-30","value":0.1215339892665474},{"time":"2022-12-30","value":-0.0850185960018596},{"time":"2023-12-30","value":0.08403102894440077}],"ROA":[{"time":"2014-12-30","value":0.004783116264812725},{"time":"2015-12-30","value":0.011981969611348477},{"time":"2016-12-30","value":0.008960893512695769},{"time":"2017-12-30","value":0.009392718779787985},{"time":"2018-12-30","value":0.00767288529441354},{"time":"2019-12-30","value":0.007400574645977032},{"time":"2020-12-30","value":0.0013298296414881335},{"time":"2021-12-30","value":0.011581920301370974},{"time":"2022-12-30","value":-0.00026090094895472936},{"time":"2023-12-30","value":0.006703433394857743}]}
Prudential Financial, Inc., together with its subsidiaries, provides insurance, investment management, and other financial products and services in the United States and internationally. It operates through PGIM, Retirement Strategies, Group Insurance, Individual Annuities, Individual Life, Assurance IQ, and International Businesses segments. The company 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 general account. It also provides a range of retirement investment, and income products and services to retirement plan sponsors in the public, private, and not-for-profit sectors; and group life, long-term and short-term group disability, and group corporate-, bank-, and trust-owned life insurance in the United States, primarily to institutional clients for use in connection with employee and membership benefits plans, as well as sells accidental death and dismemberment, and other supplemental health solutions; and provides plan administration services in connection with its insurance coverages. In addition, the company develops and distributes individual variable and fixed annuity products, principally to the mass affluent and affluent markets; and individual variable, term, and universal life insurance products to the mass middle, mass affluent, and affluent markets in the United States. Further, it provides third-party life, health, Medicare, property and casualty, and term life products to retail shoppers through its digital and agent channels. The company offers its products and services to individual and institutional customers through its proprietary and third-party distribution networks. Prudential Financial, Inc. was founded in 1875 and is headquartered in Newark, New Jersey.
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In the chart Earnings are multiplied by this value.
Earnings Growth -18%
Earnings Stability 15%
Competitiveness and MOAT
High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.
| Years | 12-2015 | 12-2016 | 12-2017 | 12-2018 | 12-2019 | 12-2020 | 12-2021 | 12-2022 | 12-2023 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 9.8% | 7.3% | 13% | 6.4% | 6.4% | -0.69% | 11% | -2.4% | 4.6% | 3.5% |
| ROA | 1.2% | 0.9% | 0.94% | 0.77% | 0.74% | 0.13% | 1.2% | -0.026% | 0.67% | - |
| ROE | 13% | 9.4% | 14% | 8.2% | 6.5% | -0.58% | 12% | -8.5% | 8.4% | 7.4% |
What is the average Net Margin?
The average Net Margin over the past 5 years is +4.16%.
What is the trend of Net Margin?
The trend of Net Margin over the past 5 years is -0.69%.
What is the average Return on Assets (ROA)?
The average ROA over the past 5 years is +0.57%.
What is the trend of Return on Assets (ROA)?
The trend of ROA over the past 5 years is -0.05%.
What is the average Return on Equity (ROE)?
The average ROE over the past 5 years is +4.36%.
What is the trend of Return on Equity (ROE)?
The trend of ROE over the past 5 years is -0.89%.
Safety & Stabiliy
Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.
| Years | 12-2015 | 12-2016 | 12-2017 | 12-2018 | 12-2019 | 12-2020 | 12-2021 | 12-2022 | 12-2023 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Debt FCF | - | - | - | - | - | - | - | - | - | - |
| Debt Equity | 0.50 | 0.42 | 0.34 | 0.40 | 0.32 | 0.30 | 0.31 | 1.20 | 1.02 | 1.09 |
| MIN | ||||||||||
| Graham Stability | - | - | 100% | 68% | 77% | -7.4% | 100% | -39% | 100% | -39% |
What is the Debt/FCF?
The Debt/FCF trailing twelve month is -.
What is the trend of Debt/FCF?
The trend of Debt/FCF over the past 5 years is -.
What is the Graham’s Stability?
Graham’s Stability measure stands at -0.39.
Growth
Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.
| Years | 12-2016 | 12-2018 | 12-2020 | 12-2022 | Trend |
|---|---|---|---|---|---|
| Revenue | -1.2% | -3% | -1.8% | -10% | -1.5% |
| Net Income | -7.7% | -9.4% | - | - | -63% |
| Stockholders Equity | -6.3% | -9.8% | -25% | 70% | 0.024% |
| FCF | - | - | - | - | - |
What is the 5 year Revenue CAGR?
The Revenue CAGR over the past 5 years is -3.04%.
What is the trend of Revenue growth?
The trend of Revenue growth rate over the past 5 years is -1.49%.
What is the 5 year Earnings CAGR?
The Earnings CAGR over the past 5 years is -9.39%.
What is the trend of Earnings growth?
The trend of Earnings growth rate over the past 5 years is -62.89%.
What is the 5 year Equity CAGR?
The Equity CAGR over the past 5 years is -9.81%.
What is the trend of Equity growth?
The trend of Equity growth rate over the past 5 years is +0.02%.
What is the 5 year FCF CAGR?
The FCF CAGR over the past 5 years is -.
What is the trend of FCF growth?
The trend of FCF growth rate over the past 5 years is -.