PRS
Financial ServicesPrudential Financial, Inc. 5.62 · Insurance - Life · $8B
What is Prudential Financial, Inc. 5.62?
Prudential Financial is a diversified financial services company offering insurance, investment management, and retirement solutions to individuals and institutions across the United States and internationally. It operates through several distinct business segments serving a broad client base.
Prudential generates revenue through four main segments: PGIM, its institutional investment management arm covering fixed income, equity, real estate, and alternative strategies; U.S. Businesses, which includes retirement strategies, group insurance, and individual life products; International Businesses, which pursues growth and acquisitions abroad; and a Corporate and Other segment handling enterprise-level items not assigned to specific divisions.
Founded by John Fairfield Dryden in 1875, Prudential Financial is headquartered in Newark, NJ.
- Investment management through PGIM
- Retirement strategies and annuities
- Group and individual life insurance
- International financial services and acquisitions
Is PRS a Good Stock to Buy?
UQS Score rates PRS as Below Average overall, reflecting a mixed profile across its five quality pillars.
Valuation stands out as the most favorable pillar, rated Attractive relative to sector peers — suggesting the market may not be fully pricing in the company's asset base. Quality, Moat, and Growth each register as Neutral, indicating neither a clear competitive edge nor a deteriorating business position.
The Risk pillar is rated Weak, which is the most notable drag on the overall score and warrants careful attention from investors evaluating downside exposure.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does PRS pay dividends?
Yes — Prudential Financial, Inc. 5.62 pays a dividend.
PRS pays a regular dividend, consistent with Prudential Financial's long-standing practice of returning capital to shareholders. As a large, established insurer with significant recurring cash flows from premiums and investment income, the company has historically prioritized dividend continuity. Income-focused investors often view dividend-paying insurers as a core allocation within financial services portfolios.
When does PRS report earnings?
Prudential Financial reports earnings on a quarterly cadence, typical for US-listed financial services companies.
Results across recent periods have reflected the mixed signals visible in the UQS pillar profile — stable core operations offset by elevated risk factors. Segment-level performance across PGIM and U.S. Businesses tends to drive headline results, with international operations adding variability.
For the most recent quarter's results and guidance, visit Prudential Financial's investor relations page directly.
PRS Price History
+9.6% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Prudential Financial, Inc. 5.62?
Based on Prudential Financial, Inc. 5.62's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
PRS Long-term Outlook
The Growth pillar rating of Neutral suggests a business expanding at a pace broadly in line with sector averages rather than outperforming. The Attractive Valuation label indicates potential upside if operational execution improves, but the Weak Risk rating signals that near-term headwinds — including interest rate sensitivity and insurance liability dynamics — could weigh on results.
Growth drivers
- Expansion of PGIM's alternative and private credit strategies
- Demand for retirement income products amid aging demographics
- International business development and selective acquisitions
Key risks
- Interest rate sensitivity affecting insurance liabilities and investment returns
- Regulatory and capital requirements in global insurance markets
- Competitive pressure in both asset management and life insurance segments
PRS vs Peers
PRS operates in a competitive financial services landscape alongside several peers in insurance and retirement products.
A related preferred security from the same parent issuer, differing primarily in its capital structure position and income characteristics.
Jackson focuses heavily on variable and fixed-index annuities in the U.S. retail market, making it a more concentrated retirement-income play than Prudential's diversified model.
Primerica targets middle-income households with term life insurance distributed through a large independent agent network, a narrower model compared to Prudential's broad product suite.
Frequently Asked Questions
What does Prudential Financial do?
Prudential Financial provides insurance, investment management, and retirement solutions through four segments: PGIM (institutional asset management), U.S. Businesses (retirement and life insurance), International Businesses, and a Corporate segment. It serves individuals, institutions, and corporate clients across multiple countries.
Does PRS pay dividends?
Yes, PRS pays a regular dividend. Prudential Financial has a history of returning capital to shareholders through dividends, supported by recurring cash flows from its insurance premiums and investment management operations. Income investors often consider dividend-paying insurers for portfolio stability.
When does PRS report earnings?
Prudential Financial reports on a quarterly cadence, as is standard for US-listed financial companies. Exact upcoming dates are not available through our data source — check Prudential Financial's investor relations page for the current earnings calendar.
Is PRS a good stock to buy?
UQS Score rates PRS as Below Average overall. The Valuation pillar is Attractive, but the Risk pillar is Weak, and Quality, Moat, and Growth are each Neutral. Whether that profile suits your portfolio depends on your risk tolerance and investment goals. Pro members can view the full breakdown.
Is PRS overvalued?
The UQS Valuation pillar for PRS is rated Attractive, suggesting the stock may be priced favorably relative to its fundamentals and sector peers. This does not guarantee price appreciation, particularly given the Weak Risk rating, but it does indicate valuation is not a primary concern at current levels.
How does PRS compare to its competitors?
PRS competes with peers including Jackson Financial and Primerica in the insurance and retirement space. Prudential's diversified model — spanning asset management, life insurance, and international operations — distinguishes it from more narrowly focused rivals. UQS pillar comparisons for each competitor are available on their respective score pages.
What is PRS's market cap bracket?
PRS is classified as a mid-cap security within the financial services sector. This places it in a range that typically offers more liquidity than small-caps while remaining more nimble than mega-cap financial conglomerates.
Who founded Prudential Financial?
Prudential Financial was founded by John Fairfield Dryden in 1875. Dryden pioneered affordable life insurance for working-class Americans, establishing the foundation for what became one of the largest financial services companies in the United States.
Is PRS a long-term quality investment?
As a long-term quality indicator, PRS scores Below Average on the UQS composite. The Neutral readings across Quality, Moat, and Growth suggest a stable but undifferentiated business, while the Weak Risk pillar is a meaningful consideration for long-horizon investors. Pro members can access the complete pillar analysis.
What is the main competitive advantage of Prudential Financial?
Prudential's scale across insurance, retirement, and institutional asset management through PGIM gives it diversified revenue streams that many peers lack. However, the UQS Moat pillar is rated Neutral, indicating this breadth has not yet translated into a clearly measurable structural advantage over sector competitors.
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Pro Analysis
PRS — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 20, 2026 | 56.5 | 48.6 | 43.0 | 41.2 | 72.1 | 96.7 | +0.1 |
| May 14, 2026 | 56.4 | 48.6 | 43.0 | 41.2 | 72.1 | 96.6 | +4.7 |
| May 12, 2026 | 51.7 | 48.6 | 43.0 | 41.2 | 39.8 | 97.1 | +0.7 |
| May 7, 2026 | 51.0 | 49.9 | 43.0 | 41.2 | 35.8 | 94.2 | +0.1 |
| Apr 19, 2026 | 50.9 | 49.9 | 43.0 | 41.2 | 35.8 | 93.8 | 0.0 |
| Apr 18, 2026 | 50.9 | 49.9 | 43.0 | 41.2 | 35.8 | 93.9 | -0.9 |
| Apr 2, 2026 | 51.8 | 49.9 | 43.0 | 41.2 | 35.8 | 100.0 | — |
PRS — Pillar Breakdown
Quality
— 48.6/100 (25%)Prudential Financial, Inc. 5.62 has average quality metrics, with room for improvement in margins or capital efficiency.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 41.2/100 (20%)Prudential Financial, Inc. 5.62 shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 72.1/100 (15%)Prudential Financial, Inc. 5.62 maintains a reasonable risk profile with manageable debt levels.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 96.7/100 (15%)Prudential Financial, Inc. 5.62 appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 43/100 (25%)Prudential Financial, Inc. 5.62 possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for PRS.
Score Composition
Financial Data
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How is the PRS UQS Score Calculated?
The UQS (Unified Quality Score) for Prudential Financial, Inc. 5.62 is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Prudential Financial, Inc. 5.62's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Prudential Financial, Inc. 5.62 is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.