PRU
Financial ServicesPrudential Financial, Inc. · Insurance - Life · $36B
What is Prudential Financial, Inc.?
Prudential Financial is a large-cap financial services company headquartered in Newark, offering insurance, investment management, and retirement solutions across the United States and internationally.
The company generates revenue through eight business segments spanning retirement plan services, group insurance, individual life and annuity products, and institutional investment management via its PGIM division. It serves a broad client base ranging from individual policyholders in the mass middle market to large institutional retirement plan sponsors and global clients.
Prudential Financial became a publicly traded company in 2001 and is headquartered in Newark, New Jersey.
- Individual life and annuity products
- Group insurance and employee benefits
- PGIM institutional investment management
- Retirement income and plan administration services
Is PRU a Good Stock to Buy?
UQS Score rates PRU as Below Average overall.
Valuation stands out as a relative bright spot, rating Attractive — suggesting the market may not be pricing in full value. Quality, Moat, and Growth all register as Neutral, reflecting a stable but undifferentiated competitive position.
The Risk pillar is rated Weak, which is the most significant drag on the overall score and warrants careful attention from prospective investors.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does PRU pay dividends?
Yes — Prudential Financial, Inc. pays a dividend.
PRU pays a regular dividend, consistent with large, mature insurance and financial services companies that generate steady cash flows. The dividend reflects Prudential's long-standing commitment to returning capital to shareholders alongside its business reinvestment needs.
When does PRU report earnings?
Prudential Financial reports earnings on a quarterly cadence, typical for US-listed equities.
Results across segments have reflected the broader dynamics of the insurance and asset management industry, including interest rate sensitivity and shifting demand for retirement products. Growth and Quality pillar ratings suggest performance has been in line with — but not notably ahead of — sector norms.
For the most recent quarter's results, see Prudential Financial's investor relations page.
PRU Price History
+13.4% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Prudential Financial, Inc.?
Based on Prudential Financial, Inc.'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.
Frequently Asked Questions
What does Prudential Financial do?
Prudential Financial provides insurance, investment management, and retirement solutions. Its eight business segments include PGIM for institutional asset management, group and individual insurance, annuities, and international financial services, serving both retail and institutional clients.
Does PRU pay dividends?
Yes, PRU pays a regular dividend. This is common among large, established insurance companies that generate relatively predictable cash flows. Investors should verify the current dividend rate and schedule on Prudential's investor relations page.
When does PRU report earnings?
Prudential Financial reports on a quarterly cadence. For confirmed upcoming earnings dates, refer directly to the company's investor relations page rather than relying on third-party estimates.
Is PRU a good stock to buy?
UQS Score rates PRU as Below Average overall. Its Valuation pillar is Attractive, but the Weak Risk rating is a meaningful concern. Whether it fits your portfolio depends on your risk tolerance and investment goals — the full pillar breakdown is available to Pro members.
Is PRU overvalued?
Based on the UQS Valuation pillar, PRU is rated Attractive, suggesting it may be reasonably priced relative to its fundamentals. However, valuation alone does not determine investment suitability — risk and quality factors also matter.
What is PRU's market cap bracket?
PRU is classified as a large-cap stock, placing it among the more established and widely followed companies in the financial services sector.
Is PRU a long-term quality indicator?
From a long-term quality perspective, PRU's Neutral ratings across Quality, Moat, and Growth suggest a stable but not distinctly advantaged business. The Weak Risk pillar is worth monitoring for investors with a long time horizon.
What sector does PRU belong to?
PRU operates in the Financial Services sector, specifically spanning life insurance, asset management, and retirement services — segments that are sensitive to interest rates, regulatory changes, and demographic trends.
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Pro Analysis
PRU — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 22, 2026 | 55.9 | 48.6 | 41.0 | 41.0 | 72.1 | 96.6 | +5.5 |
| May 7, 2026 | 50.4 | 49.9 | 41.0 | 40.7 | 35.8 | 94.2 | +0.1 |
| May 4, 2026 | 50.3 | 49.9 | 41.0 | 40.8 | 35.8 | 93.8 | -0.1 |
| Apr 26, 2026 | 50.4 | 49.9 | 41.0 | 40.8 | 35.8 | 93.8 | 0.0 |
| Apr 21, 2026 | 50.4 | 49.9 | 41.0 | 41.1 | 35.8 | 93.8 | 0.0 |
| Apr 19, 2026 | 50.4 | 49.9 | 41.0 | 41.0 | 35.8 | 93.8 | 0.0 |
| Apr 18, 2026 | 50.4 | 49.9 | 41.0 | 41.0 | 35.8 | 93.9 | -0.9 |
| Apr 2, 2026 | 51.3 | 49.9 | 41.0 | 41.0 | 35.8 | 100.0 | — |
PRU — Pillar Breakdown
Quality
— 48.6/100 (25%)Prudential Financial, Inc. 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
— 41.0/100 (20%)Prudential Financial, Inc. 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. 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. 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
— 41/100 (25%)Prudential Financial, Inc. 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 PRU.
Score Composition
Financial Data
More Stock Analysis
How is the PRU UQS Score Calculated?
The UQS (Unified Quality Score) for Prudential Financial, Inc. 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.'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. 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.